vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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 do not recognize certain items on my credit report. I am requesting that you immediately delete information off of my credit report that isnt mine. 
These accounts and inquires are not my and that my identity may have been stolen which I have included with this letter. 
Please find the attached documents.

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 2021-01-18 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: FL

Complaint narrative:
I do not recognize certain items on my credit report. I am requesting that you immediately delete information off of my credit report that isnt mine. 
These accounts and inquires are not my and that my identity may have been stolen which I have included with this letter. 
Please find the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
I have been issued three Direct Express Cards where the deposit has only appeared in XXXX. Deposits should have appeared from XXXX of last year. There are several credit cards missing including a XXXX card, there is a settlement from XXXX XXXX XXXX, there is a social security check from the first of this month. It is my opinion that someone is depositing this money into a cellphone with my information in it. It is a duplicate device and then taking it to someone who can get tbe money out of the device. It is also my opinion ghat they may be transferring the money in others accounts, they then want me to get into someones car while they use my money like im XXXX no one does this. A duplicate device with a persons infromation blocks them from receiving. They are then deposting partial or no payment to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
On Wednesday, XX/XX/XXXX, I got a letter from Online Information Services stating I owe {$460.00} for a XXXX  XXXX  account. I called the company at XXXX and learned this was a utility account in XXXX, TX reported XX/XX/XXXX. I've never lived there and don't know anyone in XXXX. I reported to the company above that this is a fraudulent debt. I then reported this at identitytheft.gov. The woman I spoke to initially gave me a number to call XXXX XXXX, and I tried. It was a fax. I called back to get the right #, and the woman I spoke to said, " We don't give that information. You must have XXXX the #! '' I told her her coworker gave me the number ; she refused to correct it. I called back 1 minute later, got someone else and they gave the correct # for XXXX. I called, and they said, 1 ) " We have no record of account in XXXX for your SS #, '' and 2 ) that they DID send a debt in my name to this company. Yes, they don't have my SS # on an account, but they did send it to collections (??? ). I JUST got another call from Online Information. I said, ( to XXXX ) " I reported this is fraudulent and not my debt last week. Why am I still getting calls. '' She said, " Because that doesn't stop the calls. '' I hung up on her. I want the calls to stop. The debt is not mine, I never had an account of any kind in XXXX, TX, and XXXX says they don't even have an account there with my SS # ( which they also said they couldn't open WITHOUT having - this makes no sense ). Please help me stop harassing phone calls. I've already reported the debt as fraudulent to the company and identitytheft.gov, and they do not respect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the XXXX data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.

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 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I keep sending my one address with electric bill and state Id with the same address to have all of these incorrect addresses removed They won't removed these invalid addresses

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 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
ROCKET MTG XX/XX/21 I PAID ABOUT {$97000.00} IN ADVANCE PRINCIPAL. THIS ELIMINATES THE PMI. BUT IT WAS'NT ELIMINATED. I AM 100 % MILITARY XXXX, SO I DO NOT OWE ANY ( A N Y ) TAXES. BUT ROCKET ESCROWS TAXES. THESE TWO ESCROWS ADD UP TO OVER {$2400.00} IN DEDUCTIONS PER YEAR. BOTH ARE INCORRECT CHARGES TO ME. THS IS SOMETHING THAT SHOULD BE LOGISTICALLY SIMPLE TO CORRECT. BUT -- -BUT -- -BUT!!!! I HAVE NOT BEEN ABLE TO SPEAK WITH SOMEONE ABOUT THIS. AND, EACH TIME I CALL, I GET ANOTHER PERSON. I WOULD APPREICIATE SOMEONE TO CONTACT ME AT XXXX XXXX XXXX MY CELL. AFTER XXXX ANY DAY OF THE WEEK. IF I AM UNABLE TO ANSWER AT THAT TIME ( I AM BEING CARED FOR MEDICALLY ALMOST DAILY ) PLEASE -- -PLEASE LEAVE A MESSAGE WITH A CONTACT PERSON 'S NAME AND A RETURN PHONE NUMBER, TO DISCUSS THIS SIMPLE SITUATION. YOU HAVE THE OPPORTUNITY TO EASILY RESOLVE THIS SITUATION AND CHANGE MY CUSTOMER COMPLAINT TO A CUSTOMER RESOLUTION THAT WILL REFLECT POSITIVELY ON THE PERSON WHO FOLLOWS UP ON THIS PROBLEM AND CHANGES THIS COMPLAINT INTO A RESOLUTION THAT SHOWS PROFESSIONALISM AND CUSTOMER SATISFACTION ON ROCKET 'S PART. I WILL AWAIT A CALL. GET SERIOUS!! THIS IS SIMPLE TO RESOLVE - RESOLVE IT. XXXX XXXX XXXX XXXX XXXX ... ... ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
My hours at work have been cut drastically due to covid 19 and I used to make 80 hours a week and now am lucky to get 40. I have called the auto loan company the past two months to try to get an extension at the end of my loan or loan modification and they refuse they only offer me 7 day grace period or 2 weeks and pay two full payments with in a month. 
They refuse to put anything in writting in order to describe what they offered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I keep sending my one address with electric bill and state Id with the same address to have all of these incorrect addresses removed They won't removed these invalid addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC
State: NE

Complaint narrative:
On or about XX/XX/20 I was contacted by Recovery Partners LLC form XXXX XXXX XXXX XXXX, AZ XXXX They stated i had verbally agreed to make a payment to them for something that i did not do. I informed them that i was not going to pay them and to leave em alone. They have since then sent paperwork and phone calls harassing me. I am a XXXX Vet on on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: LEXISNEXIS
State: TN

Complaint narrative:
I've tried to order my LexisNexis report for three months now without success. I've contacted the company directly and they tell me they could not find a file for me with the information I gave. I'm attaching a state-issued photo ID and social security card to this complaint. There is no reason LexisNexis can not issue my reports now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the Equifax data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the XXXX  data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.

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 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
My loan was transferred in XX/XX/2020 from XXXX XXXX to Gregory Funding. 
However, around the same time, I did a refinance. My property taxes was paid by the refinance company and Gregory Funding in XX/XX/2020. 

After several calls to XXXX County Tax Revenue department a supervisor by the name of XXXX informed me that the money in the amount of {$5800.00} was sent back to Gregory Funding since my account was already paid by XXXX XXXX XXXX. He further stated that Gregory Funding must reclaim their own funds. 

As of today, I have not received my escrow balance in the the amount of {$5800.00} from Gregory Funding. It is very difficult to communicate with them and I keep getting the same people and being told that the research department is working on it. 

I spoke to a supervisor by the name of XXXX XXXX a couple of times about the matter. The last time I spoke to him was on XXXX. He told me that the research department spoke with someone at the XXXX County Tax office and I should receive the refund soon. I called again on XXXX and was told that I was not going to receive the refund. I was connected to XXXX XXXX voice mail and Ieft a message again for him to call me but he never called me back. 

I would like a resolution to this matter by Gregory Funding refunding my {$5800.00} that is due to me from my escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: PA

Complaint narrative:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2021-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE BANK USA is reporting to all credit agencies two accounts that do not belong to me. The first account was opened XX/XX/XXXX with a credit limit of {$400.00}. The other account was opened XX/XX/XXXX with a credit limit of XXXX. Neither account belongs to me but it is still being reported to all agencies under my name. The records of both accounts do not match my SSN and when I give my information to capital one agents over the phone they do not have any records of this. My full social is XXXX and my DOB is XX/XX/XXXX. All of the accounts that are appearing on my credit profile the only information that matches my accurate information is my name XXXX XXXX. Nothing else in the records matched for my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: ERC
State: PA

Complaint narrative:
I have disputed this account previously requesting that the collection agency provide proof of identity as this account does not belong to me. XXXX  has removed the account but XXXX XXXX XXXX has not. 

ENHAHNCED RECOVERY ( XXXX XXXX XXXX ) XXXX XXXX XXXX ALL 3 accounts was disputed and below is the tracking information. 

Please remove as I have no knowledge of these accounts and the creditors has yet to provide proof! 

XXXX  tracking XXXX XXXX XXXX XXXX XXXX XXXX  tracking XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: PA

Complaint narrative:
I have disputed this account previously requesting that the collection agency provide proof of identity as this account does not belong to me. XXXX has removed the account but XXXX  and equifax has not. 

XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ALL 3 accounts was disputed and below is the tracking information. 

Please remove as I have no knowledge of these accounts and the creditors has yet to provide proof! 

Equifax tracking XXXX XXXX XXXX XXXX XXXX XXXX tracking XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2021-01-19 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: DISCOVER BANK
State: TN

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation