vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed

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 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed

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 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I APPLIED FOR MORTGAGE LOAN WITH XXXX. THEY USED FACTUAL DATA XXXX IN XX/XX/2020. BECAUSE OF COVID 19 XXXX CALLED ME WANTING TO KNOW IF THEY COULD PULL MY CREDIT AGAIN BECAUSE OF REMOTE WORKING. SO MY CREDIT WAS PULLED AGAIN WITH FACTUAL DATA XXXX ON XX/XX/2020. THESE XXXX PULLS SHOULD BE COMBINED INTO XXXX PULL FOR XX/XX/2020. BECAUSE OF COVID 19, 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: OH

Complaint narrative:
XXXX XXXX  originated our mortgage in XXXX. We made our first payment due XX/XX/XXXX on XX/XX/XXXX after having received our first payment coupon. We made the payment as directed to our loan originator XXXX. We made our second payment on XXXX, for payment due on XXXX, to XXXX XXXX as well. 
Our loan was sold on/around XX/XX/XXXX to Plaza Home Mortgage , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL. 
We made our third payment on XXXX, due for XXXX ; however, our payment notice indicated a payment was missed. prior to making the XXXX payment, we called Plaza regarding the payment notice. The Plaza representative indicated this was likely because of processing/timing between the seller ( XXXX ) and Plaza ( the XXXX ), and would be rectified through their settlement process. 
We then received our next payment notice in XXXX, again indicating we were behind XXXX payment. FIRST ISSUE : The individual was abusive and used inappropriate language. He was also very accusatory in nature and complained about how he was demoted when I asked to speak to a supervisor, stating " I was a supervisor and they will tell you what I told you. '' He finally agreed to transfer me to a supervisor but disconnected me instead. 
I called immediately back and waited for another 15 minutes to reach another representative, who again told us they were reflecting a missed payment. 
SECOND ISSUE. In researching she told me that they had only received XXXX payment from XXXX XXXX XXXX when the loan was purchased and that we should submit proof of payment to XXXX. We had paid both payments via our Internet banking. We received, from our bank, proof of ACH payments to Plaza on XX/XX/XXXX and XXXX as described above. We sent the ACH form to the email as directed and also to our lender at XXXX, who subsequently confirmed that the HomeTown HAD received both payments and HAD submitted both payments to Plaza. 
THIRD ISSUE : We have NEVER received any response from PLAZA from our email to them dated XX/XX/XXXX at XXXX eastern , with proof of payment. 
In discussion with our Lender, XXXX, they confirmed that they had discussed with Plaza and confirmed that Plaza was in agreement that they had received both payments for XX/XX/XXXX and XXXX. 
FOURTH ISSUE : We continue to receive late notices AND late fees, as well as accrued interest that is not justified as a result of Plaza continuing to not reflect the proper payments. We have tried repeatedly to have this resolved, beyond reasonable means - have worked with both the lender and the servicer for over 2 months - to absolutely no resolution while they continue to charge abusive fees and interest. We have had absolutely no response, formal or informal, from Plaza, only from XXXX, and the issue remains unresolved. We have now made payments on XXXX for XXXX, XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Title loan company is not allowing me to pay off my loan not giving me a payoff stalling steering me into hardship raising my interest rates because I can't make my payment on time because of covid-19 devaluing my property by slamming my credit and raising my interest rates now my property is worth nothing sent me into hardship andharassment on the phone not ever giving me a monthly statement nor telling me they're doing inquiries on my credit absolutely everything is verbal this company is running extortion on me and extorting money by threatening me for repossession of my vehicle.

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 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I APPLIED FOR MORTGAGE LOAN WITH XXXX. THEY USED FACTUAL DATA XXXX IN XX/XX/2020. BECAUSE OF COVID 19 XXXX CALLED ME WANTING TO KNOW IF THEY COULD PULL MY CREDIT AGAIN BECAUSE OF REMOTE WORKING. SO MY CREDIT WAS PULLED AGAIN WITH FACTUAL DATA XXXX ON XX/XX/2020. THESE XXXX PULLS SHOULD BE COMBINED INTO XXXX PULL FOR XX/XX/2020. BECAUSE OF COVID 19, 2020.

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 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I APPLIED FOR MORTGAGE LOAN WITH XXXX. THEY USED FACTUAL DATA XXXX IN XX/XX/2020. BECAUSE OF COVID 19 XXXX CALLED ME WANTING TO KNOW IF THEY COULD PULL MY CREDIT AGAIN BECAUSE OF REMOTE WORKING. SO MY CREDIT WAS PULLED AGAIN WITH FACTUAL DATA XXXX ON XX/XX/2020. THESE XXXX PULLS SHOULD BE COMBINED INTO XXXX PULL FOR XX/XX/2020. BECAUSE OF COVID 19, 2020.

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 2020-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I checked my credit report and found that this company Transworld systems input a collection on my credit that was unknown to me. After sending a VOD to this company they sent me something stating it was a statement from the company XXXX XXXX XXXX. I reached out to the company to ask why and what was this debt that they were trying to collect on being that I did not owe a debt to them. I rented an instrument for my XXXX  during the school year of 2018 and it was returned with no problems and no balance due. The rep said she didn't know anything and wanted me to call the collection company. I asked why would I need to call a collection company when your company is the one that is trying to collect on a debt that I know nothing about. I asked for the corporate number so I could get the facts of what's going on with this account and why is this just now coming out. She told me that was the corporate number I called and then proceeded to tell me that she was going to hang up the phone because she didn't have anything else to say to me. I told her I need her to make me understand what is this amount they are trying to collect when clearly the instrument was returned and I have a receipt. From there she still did not want to look into this situation. Told me it wasn't her company and I just need to speak with the collection agency. I told her this isn't right but could not get any further with this rep. I have attached the receipt I received from the rep at the store after returning the instrument and I have also attached what this collection agency has sent me saying I owe this amount. That I know I do not owe. The current balance as well as total account balance shows XXXX so how could they possibly try to collect on anything when the amount is XXXX owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: NY

Complaint narrative:
I have requested my Transunion report a few times and have not received a copy. I tried to view my credit report online however I have been unable to access it through Transunions unions website, and Annual Credit Report website. When trying I get an alert indicating that I would have to call in to request a copy of my credit report. I have called in 8 times within the past 7 months and requested a report be mailed to me however I still have not received my report from both credit bureaus. During this, both credit bureaus have reported fraudulent information on my report which I am alerted to through my credit monitoring service but still am unable to view the actual report. I have not received any communication from XXXX despite requesting my report with them via phone and Annual Credit Report, I was also a victim of the XXXX data breach and still don't have access to view the information on 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 non-monetary relief
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
went to XXXX XXXX. The salesperson would not take a no. XX/XX/2020. XXXX XXXX XXXX XXXX. That I did not want a XXXX XXXX CARD. TOLD THEM I DO NOT WANT A HARD INQUIRY ON MY CREDIT REPORT. THEY INSISTED AT IT WOULD ONLY BE A SOFT PULL. THEY SAID XXXX XXXX HAD TOLD THEM TO TELL CUSTOMERS THAT IT IS A SOFT PULL. HAD BEEN IN XXXX XXXX TOO LONG IT IS GETTING DARK OUTSIDE I TOOK THEIR WORD. NOW I SEE I HAVE A HARD INQUIRY. I ASK THAT IS REMOVED.

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 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2020, Chase Credit Card company reported my account as delinquent. However, my account is not in delinquent or late status because my bill is due the XXXX of each month and was in process of being withdrawn from my bank account on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My student loan is in foreberaance and all the Covid problems. Why is this hurting my credit score so bad. I have credit cards I have payed on time for a year with my accounts. Please advise what to do next. My credit score just keeps dropping.

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 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My student loan is in foreberaance and all the Covid problems. Why is this hurting my credit score so bad. I have credit cards I have payed on time for a year with my accounts. Please advise what to do next. My credit score just keeps dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Applied Data Finance, LLC
State: TX

Complaint narrative:
I have been receiving messages about personify financial withdrawing money from my bank account ( though i dont see any such withdrawal ) since XX/XX/2020. These messages come to me thrice a month and i suspect identity fraud ( specifically with my phone number ). I did try to contact the company ( without having to give my SSN ) but theres no way i can approach them and discuss this problem. I hope to get to the bottom of this before it turns out a full-fledged attack on my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
On XX/XX/2020 the main creditor was XXXX XXXX XXXX XXXX XXXX, La. for services that day. I had currently had XXXX at that time which before leaving I provided that information to bill them. XXXX and XXXX have my current mailing address and I never received any bill from them. I decided to check credit report and I noticed that I had 2 negative accounts with LAW OFFICES MBA ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PH : XXXX. I made several attempts to reach out to them regarding matter. They will not answer/respond back when i left my info. I disputed with experian which I am assuming they were able to get in touch with them. They deleted one account but not the other. They stated I still owed them which is inaccurate information. 
Listed below is the info for the debt : date of service : XX/XX/2020 amount : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26 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: CA

Complaint narrative:
On XX/XX/2020 I sent Equifax a letter about items on my credit report that doesnt belong to me, they are still reporting inaccurate. I am including a copy from XX/XX/XXXXthat is reporting accurately from XX/XX/2020 I filed a previous complaint against XX/XX/XXXX complaint number XXXX please update that case with the information provided by XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: TX

Complaint narrative:
XXXX XXXX Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX, TX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX FTC violations or FCRA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong address please remove it or correct it not by adding the last four of my zip thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased a purse on line from XX/XX/XXXX. The date was around the last week of XXXX. I used my B of A card ( debit card ) for this transaction. 
The transaction showed on my statement as a pending charge ( 3 ) times when I only purchased and received ONE purse. 

I called B of A and was told ( 1 ) one charge was coming off the other would be investigated. They asked for documentation and I provided the documentation TWICE. They only respond via regular mail. The letter does not include a phone number nor email for the B of A dept handling the dispute or investigation. There is a fax number only. I am XXXX yrs old. I do not have access to a fax. I have had to travel out of my home TWICE to the post office and ONCE to my local B of A branch. During COVID this is a risk for me as I suffer from XXXX. 

This PENDING charge on my debit card reduces my available funds and I am on a fixed income. 

B of A has responded and issued a " temporary '' release of the funds and has requested documentation AGAIN. I don't know what else they need. I have documentation from XXXX that they only billed me ONCE. 

I can not afford to keep going in circles with B of A. The department writing the letter hides behind the letter with no phone, extension and or email. There is not even a representatives name. I have documentation that EVERY time I reach out to B of A I am speaking to someone new/different. THIS WILL NEVER BE RESOLVED. 
I can not afford to lose money at my age and I can not keep venturing out of the house during time of COVID. 

Please help me. If a representative from your office reaches out I prefer XX/XX/XXXX speaking. I am XX/XX/XXXX but am most comfortable in XXXX. - I requested help in filing this complain in English.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: NY

Complaint narrative:
I have requested my XX/XX/XXXX report a few times and have not received a copy. I tried to view my credit report online however I have been unable to access it through XXXX XXXX website, and XX/XX/XXXX website. When trying I get an alert indicating that I would have to call in to request a copy of my credit report. I have called in 8 times within the past 7 months and requested a report be mailed to me however I still have not received my report from both credit bureaus. During this, both credit bureaus have reported fraudulent information on my report which I am alerted to through my credit monitoring service but still am unable to view the actual report. I have not received any communication from Equifax despite requesting my report with them via phone and Annual Credit Report, I was also a victim of the Equifax data breach and still don't have access to view the information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: TX

Complaint narrative:
XXXX XXXX Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX, TX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX FTC violations or FCRA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong address please remove it or correct it not by adding the last four of my zip 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 explanation
Consumer complaint received 2020-12-26 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: TX

Complaint narrative:
XXXX XXXX Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX, TX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX FTC violations or FCRA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong address please remove it or correct it not by adding the last four of my zip 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 explanation