vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Here we are yet again! The laws are not being followed. Under the FCRA, if proof of a contract, a physical signature, a recording by video or phone of a person asking for a line of credit is not available, it can not be verified or validated that SAID PERSON has a line of credit with an individual or company. Furthermore, IF IT IS NOT 100 % TRUTH it can not be reported. In addition, under the FCRA, false reporting can be compensated at {$1000.00} or more per offense. Now lets review this once again! 

Attached you will find letters dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In them are out right lies.

* Cards were not applied for by me * No contract to present * No physical signature to prove it was me who asked for the line of credit or used it * No email received : No in " IN BOX '', " SPAM '', or " JUNK '' * No phone call by me : I do everything my mail/certified mail in case I need to go to court * Card not applied for, as I always do, with my full name. If only middle initial is asked for I leave it blank and enter first and middle name on " FIRST NAME '' line * Copies of statements are not proof of an account in my name for verification or validation by court of law. 

My credit and name have been trashed my XXXX, XXXX, and the people who bought their debts XXXX XXXX. I have asked for 2 years now for proof and there has been none. I have not made payments on these accounts, used these accounts and I did not request lines of credit with these people. I'm willing to stand in front of a judge and state this as matter of fact. These companies can not stand in front of a judge and MATTER OF FACT prove any of the above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX   XXXX/XXXX account number XXXX. This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly on the XXXX XXXX XXXX/XXXX   account number XXXX. This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
I keep getting robo calls from a specialized loan servicing vendor at XXXX : " Hello this is specialized loan servicing this attempt is to confirm whether or not you have have been affected by the recent disaster in your area please contact our customer care department at XXXX we are available Monday through Friday XXXX XXXX to XXXX XXXX  mountain time. '' XX/XX/XXXX they have called seventeen times and left seventeen voicemails. 

The dates and times of these calls are : XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 

This provider is the second mortgage on my XX/XX/XXXX which was originated at the height of the XXXX bubble. The primary lender paid for an inspection of the property and hasn't bothered me. If they want to know if the property has been impacted, they are welcome to coordinate with the primary lender or pay for their own inspection. 

These calls need to stop. I'm not calling and waiting on hold to waste my time dealing with this seedy third rate servicer just to save then a few bucks. I continue to make payments on time and as expected. The nonstop calls are annoying and as a result I have today blocked their robo call vendor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Experian on numerous occasions due to their negligence in allowing a credit report inaccurate information on my report in which I ask them to remove with account because of the inaccuracies and violation. They have failed to comply. I had mentioned a timeshare by the name of XXXX XXXX XXXX is appearing on my report and shows a past due amount of " XXXX '' however the account states- written off and past due amount. This is inaccurate once a account is closed/written off/charged off it must state paid/closed with a {$0.00} balance. My account does not and I expressed this is a violation and must be removed yet they have failed to do so. Additionally they were reporting after the account was closed on my report which was XX/XX/2018 and reported again XX/XX/2018, this again is a violation. Furthermore, the terms states 10 months. Where did they get this information from. I had asked in the past to be provided with the proof of how they validated my report, they failed to provide that as well. I feel they are not abiding by the laws set in place by the FCRA or CFPB to protect customers such as myself from being taken advantage of. Additionally, they provided me a report in which my name wasnt even spelled correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On the closing documents, they state that they estimate the taxes and insurance ( Enclosed ). as {$1300.00} a month. 
Then they state they didn't pay it. 
And they stated I owe XXXX more and an additional XXXX a month payment. 
From {$5500.00} a month. 
to XXXX a month. 
I have been stupidly paying the XXXX a month, when it clearly states on the GOOD FAITH loan estimate is taxes and insurance is included and my payment is XXXX a month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting incorrectly on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Yesterday on XX/XX/2019 at approximately XXXX ( time of receipt ), XXXX from the Capital One Branch bank at XXXX XXXX and XXXX XXXX by XXXX XXXX , issued me a cashier 's check for {$2800.00} that wasn't signed. I deposited it into my XXXX XXXX account at XXXX at the XXXX XXXX XXXX branch , only for me to be notified by XXXX XXXX that Capital One had not signed the check. This caused me overdraft fees and a negative balance. I went to capital one and even called the branch to see how this could be rectified because I have bills to pay and have no cash or funds to pay my bills with, and they told me that they couldn't do anything about it despite it being their mistake. I am now left without any funds and can't pay my bills due to this issue. They also are withholding {$2500.00} of my funds claiming that they are fraudulent XXXX  payments, when in fact, I sent them from my own bank account to myself. They have refused to issue me my full funds so that I can close my account. I took time off from my consulting assignment in XXXX to fly here only to be met with them withholding my funds. I have been calling them since XXXX to close the account and send me my funds, and asked them to do so on three separate occasions ( there are call logs/recordings with proof ), and each time they agreed to do so but didn't hold their end of the bargain. This prompted me to take time off from work to rectify the situation. Please help me resolve this issue so that I can get my funds back from Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Again, TransUnion is reporting " XXXX XXXX '', which was deleted and reappeared without notice. I filed a complaint on here and they responded that it was put back on in error and they would delete. It is still showing on my credit report and needs deleted immediately and NEVER placed back on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ACCOUNT THAT WAS PLACED ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Innovis
State: MI

Complaint narrative:
Here we are yet again! The laws are not being followed. Under the FCRA, if proof of a contract, a physical signature, a recording by video or phone of a person asking for a line of credit is not available, it can not be verified or validated that SAID PERSON has a line of credit with an individual or company. Furthermore, IF IT IS NOT 100 % TRUTH it can not be reported. In addition, under the FCRA, false reporting can be compensated at {$1000.00} or more per offense. Now lets review this once again! 

Attached you will find letters dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In them are out right lies. 

XXXX Cards were not applied for by me * No contract to present * No physical signature to prove it was me who asked for the line ofcredit or used it * No email received : No in " IN BOX '', " SPAM '', or " JUNK '' * No phone call by me : I do everything my mail/certified mail in case I need to go to court * Card not applied for, as I always do, with my full name. If only middle initial is asked for I leave it blank and enter first and middle name on " FIRST NAME '' line * Copies of statements are not proof of an account in my name for verification or validation by court of law. 

My credit and name have been trashed my XXXX, XXXX, and the people who bought their debts XXXX XXXX. I have asked for 2 years now for proof and there has been none. I have not made payments on these accounts, used these accounts and I did not request lines of credit with these people. I'm willing to stand in front of a judge and state this as matter of fact. These companies can not stand in front of a judge and MATTER OF FACT prove any of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
capital one is not honoring their agreement to allow me to pay {$50.00} a month and have me enrolled into their special program. My current bill reflects a minimum payment of {$630.00} that is owned by XXXX there is no way I can pay it and they continue to affect my credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc.
State: NY

Complaint narrative:
Hello, I recently applied for a Parent Plus Student Loan Refi through SoFi. I  am retired and therefore have no earned income at this time. I submitted my retirement savings for income verification and was denied. I was not offered the opportunity to have a co-signer or to verify additional income. 

My complaint is regarding sex discrimination. 

My husband applied for a personal loan through SoFi a week or two prior to my application. He too is retired and submitted our combined retirement account statements as income verification. He was approved, no questions, no need for co-signer, no additional documentation needed. 

I spoke to SoFi this morning and expressed my concern for how my loan was processed and they spoke with both my husband and I on this call. They did not have a good explanation of why they could use my retirement account to verify his income, however, they could not or would not do the same for my loan. 

I am very disappointed to have been treated unfairly and with bias toward being a woman. I appreciate you looking into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. 
I have already contacted the FTC and local police to file a report. These items need to be deleted from my credit report. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and these inquiries are not mine either. XXXX .XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX, XXXX , XXXX/XXXX, XXXX XXXX , XXXX, XXXX  XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. 
I have already contacted the FTC and local police to file a report. These items need to be deleted from my credit report. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and these inquiries are not mine either. XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX, XXXX, XXXX , XXXX/XXXX, XXXX XXXX , XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CO

Complaint narrative:
A withdrawal from wells fargo was made on XX/XX/XXXX to open a discover savings account. The amount was for {$10.00}, 000. I went to my XXXX savings account on XXXX to transfer funds from my savings to checking in order to cover a check I wrote to a roofing company. 

When I logged on to XXXX XXXX my savings account was depleted to {$.00} 2 transactions in the amount of {$10000.00} were withdrawn from my savings account One was withdrawn on XXXX and an erroneous {$10000.00} was withdrawn on XXXX from Discover. 

I called customer service 3 times to be told that it was a known error and would be put back in my account within 2-5 days I called back because this was unacceptable There was no communication to me from Discover of their " known error ''. They apologized and repeated they would restore my funds within a couple of days. I asked to speak to a manager They told me a manager would call me back. Hours passed without a call. I called for a 3rd time and asked to speak to a manager immediately.

I spoke with XXXX ( I think ) who was a supervisor. She again was very polite, repeated that this was a " known error '' but this time she promised that funds would be restored by midnight on XX/XX/10. 


I mentioned how upset I was that Discover never communicated the " known error '' and I felt very vulnerable with there lack of being proactive and to do right by me ( a new customer ). 

The supervisor said a message regarding the error detailing the issue would also be sent to me. 

Not only were funds NOT put in to my XXXX XXXX account I am still waiting on any form of communication regarding that the error. 

I feel like Discover has taken {$20000.00} from me with no explanation and a series of empty promises. 

I still cant access {$20000.00} and have no idea when it will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
I applied for the Illinois Hardest Hit Fund program offered by IHDA. IHDA sent SUNTRUST a request in XXXX OF 2019 to verify all of the figures on my mortgage. This normally should take no MORE than 35 business days. 

It is now 3 months, and I do not have any answer from this lender. My file is sitting at IHDA collecting dust since Suntrust has not answered and seems to not know what they are doing. 

Can Suntrust please answer IHDA so I can get mortgage assistance. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have disputed this account from Santander Consumer many times, only for it to be verified and remain on my credit report. How can an account be verified if it does not belong to me? I have even called and requested Santander to provided me proof of my Authorization. I also mailed a letter along with my police report for identity theft. I do not know what date the Debt started.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I contacted the police locally and FTC. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX   XXXX, XXXX XXXX. And these inquiries are not mine either : XXXX XXXX XXXX, XXXX XXXX .XXXX XXXX XXXX, XXXX , XXXX , XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX . XXXX, XXXX.

Company response to consumer: Closed with explanation