vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-07-13 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: AZ

Complaint narrative:
I applied for a VA home loan with Veterans United Home Loans on XX/XX/2020, I worked with XXXX XXXX, XXXX XXXX and XXXX XXXX. I was told that I would be given a pre approval for my loan of XXXX once issued I requested an increase to {$220000.00} and I was assured that this was a pre approcal and I could proceed to go shopping for a home not to exceed {$220000.00}. I was able to find a home within my price range paid the earnest money, inspections cost and appraisal fees. Two days before the close of escrow the lender tells me that im now unapproved for the loan because of a new debt that I went and acquired after I applied for the loan. XXXX XXXX then proceeds to email the title company and tells them that I applied for debt after the loan and I should not be given my earnest money back. It isnt true that I applied for new debt I purchased new vehicles on XX/XX/2020 in which those inqueries showed on my credit report at the time that Veterans United Home Loans pulled a copy of my credit report. I feel like I am being done wrong as a customer because the loan officers didnt do there due diligence I didnt conceal or hide any information from them at the time of the loan and now not only am I on the verge of being homeless Im also out of pocket close to {$2200.00} due to their mistake. If they wouldve in fact gave a true pre approval this wouldnt have happen at all. They say they give true pre approvals but are only using a desktop underwriting software and the problem with that is that issues are found on the back end versus the front end. I dont want to happen to other XXXX veterans.

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 2020-07-13 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I went to aXXXX XXXX XXXX XXXX to get my credit report from all three agencies. 

XXXX  stated " online delivery unavailable '', stating I had to fill out additional paper work to get my credit report. 

Trans Union and XXXX  did not provide credit scores and had additional steps to retrieve these scores.

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I went to XXXX XXXX XXXX XXXX  to get my credit report from all three agencies. 

Equifax stated " online delivery unavailable '', stating I had to fill out additional paper work to get my credit report. 

XXXX XXXX and XXXX  did not provide credit scores and had additional steps to retrieve these scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-07-13 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SAMC Honebee TRS, LLC
State: AL

Complaint narrative:
I currently have my mortgage with GMFS, serviced by XXXX XXXX XXXX XXXX. I have had continuous problems over the past several months. On XX/XX/2020 I inquired through their web portal about any assistance being offered during the COVID-19 pandemic. I received a response back on XX/XX/2020 advising me of the terms and conditions of a forbearance program and that my account may be eligible. After reviewing the terms and conditions I responded back via the web portal on XX/XX/2020 advising I would not be interested in taking advantage of the forbearance. On XX/XX/2020 I received a response from XXXX XXXX XXXX advising a request had been put in to stop the forbearance. 
I made my payment as scheduled for XXXX ; however, I received a robocall within a couple of days advising my forbearance had been approved. I signed on and noticed the payment I made did not apply towards my monthly payments ; however, to unidentified funds. I sent yet another response on XX/XX/2020 advising them I declined the forbearance and I would like my payment corrected. On XX/XX/XXXX I received a response back stating the cancellation was put in on XX/XX/XXXX for forbearance and that my payment would be applied correctly. Keep in mind, I never authorized this forbearance. At this point I assumed all would be well. The exact same thing happened for XXXX and XXXX. After speaking with a supervisor ( I do not remember the date ) I was advised my account did go through the full three months of forbearance ; however, all payments were posted accordingly. I did have to write in and/or call every month to have my payments corrected. It got so bad that I had one associate tell me over the phone that I had only made a partial payment. All of this was eventually straightened out. After all this is said and done, I now have a forbearance on my record with this company and that is not fair. I specifically said I do not want it. Also, I have tried to set up ACH for the past two months. To this day, I keep getting denial letters for ACH because my account is in " Forbearance ''. Once again, this is unfair, as I now don't have something available to me that other customers have available to them, especially when the account should have never been in forbearance. I have spoken with two associates regarding this and they could not give me a reason as to why the ACH is getting kicked back for forbearance. The management team does not make themselves readily available for escalated situations rather you have to wait on them to call you whenever they have free time. 
I feel as though I am stuck. I can not easily go out and refinance my house as that usually cost a nice chunk of money out of pocket ; therefore, I have to be subjected to the poor service and having things on my record I didn't ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
I requested debt Validation from American Coradius International LLC that represents XXXX XXXX XXXX and a debt they claim is mine. They sent me documentations that show inconsistencies with my name. My name is XXXX XXXX, but XXXX  responded with my name as XXXX XXXX XXXX XXXX. That is not me or my name. I am asking XXXX to remove the derogatory account off my credit reports for all three bureau 's. I sent my request and proof that the debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible

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 2020-07-13 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible

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 2020-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX, I was notified by Experian that my FICO score had dropped 8pts. I have made every single payment on time and have no recent activity that shouldve caused my score to drop. Experian was not able to provide any reason for my score drop. In XXXX of XXXX, I submitted a previous complaint about how credit reporting agencies had reported a 24pt drop in my FICO score that was caused from paying off the balance on a high interest loan. I have patiently waited for my score to slowly climb back up. I need to know why my score has again dropped for no apparent reason. 

Thank you, 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 2020-07-13 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: AR

Complaint narrative:
This is the first time ihave had identity theft. Im not sure the reason behind this, but i pulled my credit report and these are a couple of fraudulent accounts that do not belong to me. I have alread y submitted a request to get these things removed. Someone is using my identity without my consent. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC
State: AR

Complaint narrative:
I was furloughed due to the pandemic, i have been trying to reach my mortgage company. I was hoping that they would work with me. I have emailed, called ( XXXX XXXX ) the 800 number and any numbrs on their website many times left messages and They do not respond in any way! Very frustrated as time to make my mortgage payment nears. This has always been the case with this comp should never have refinanced with them! Was extremely happy with Rocket mortgage.Its very hard to get a hold of anyone if i have questions or concerns. Yet they are quick to remind me of my approaching payment by text! Anyone reading this please do not trust Village Capital with your mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX and XXXX # XXXX failed to listen to understand each word of the needs to connect a credit account to a checking one after an hour call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: RI

Complaint narrative:
To whom it may concern, In XX/XX/XXXX, I was notified by Experian of a credit score increase to XXXX. My payments are exceptional and due to the pandemic, I ensured that I paid all of my credit cards off, just in case. In XXXX, I was notified by one of my credit card companies that they were raising my credit limit and switching me from a secured to an unsecured credit card with a XXXX dollar credit limit. I assumed that such a congratulatory event would cause an increase in my credit score.  Unfortunately, they dropped it to XXXX for no reason. I assume because I was not using my credit cards at the time. I sent an inquiry and they reflected an increase in the limit on my credit card, but the score remained. 
I pay my credit cards off, whenever I use them and I don't use them unless it is needed. I find it strange that consumers are penalized for not using credit frivolously with the reporting agencies attempting to goad us into " boosting '' scores by adding utility bills. I think it's a scam and it should be investigated. I'm attempting to recover my score, after filing bankruptcy in XXXX. I have been exceptional in my payments but regardless, I am remaining in a subprime lending zone, when my behavior doesn't warrant such a position. Please investigate this, as it is unfair.

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 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
They included in my my monthly statement legal fees of {$24.00} and property inspection of {$30.00} without telling me and what gives them the right to charge me for something that I did not agree to pay and what right do they have to add charges to my monthly statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: MS

Complaint narrative:
Please be advised this is my second attempt to file a complaint. The first complaint experian didn't even read and just put up a standard templete telling me contact them directly and dispute with them. PLEASE BE ADVISED I HAVE DISPUTED DIRECTLY ATTACHED YOU WILL FIND THE LETTERS SENT DIRECTLY TO THEM. FURTHERMORE, I did provide copy of license social security card and copy of a bill. This response has to be illegal by them not even reading my response and just putting anything done to close this case. I demand justice my rights are being violated they should not be allowed to operate this way. I have provided experian copies showing them proof this bureaus collection should not be on my credit. I have contacted the vendor directly and themselves can not validate the collection. I have sent Experian proof of these letters that the vendor can not validate the collection, their response was that vendor came them my name address and social security so it must be true. This way of doing business is illegal they did not obtain any proof other that the vendor giving them my name address and social security. I asked for proof copy of a signed contract and neither experian or the vendor can provide a contract signed by me. Therefore, I am demanding the Experian remove this inaccurate and verifiable collection off my credit. I value my credit and Experian is allowing anyone without verifying to list what ever they want, this is totally illegal and violating rights. I hope this time Experian will take the time to read this complaint and instead of a standard templete telling me to dispute directly. This is illegal I thought this site was for me to file and complaint and actually have it investigated with a proper response from the corportation. We can not allow corporation to do what they want and not follow the proper procedure. Why even have this site to complaint if they can get away without even reading your complaint. I demand justice and have my complaint actually reviewed. I demand this collection bureaus to deleted.

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 2020-07-13 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: AR

Complaint narrative:
This is the first time ihave had identity theft. Im not sure the reason behind this, but i pulled my credit report and these are a couple of fraudulent accounts that do not belong to me. I have alread y submitted a request to get these things removed. Someone is using my identity without my consent. Please remove these items as soon as possible.

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 2020-07-13 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: AR

Complaint narrative:
This is the first time ihave had identity theft. Im not sure the reason behind this, but i pulled my credit report and these are a couple of fraudulent accounts that do not belong to me. I have alread y submitted a request to get these things removed. Someone is using my identity without my consent. Please remove these items as soon as possible.

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