vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 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: MI

Complaint narrative:
Today, Thursday, XX/XX/2020, I called and spoke to XXXX, ID XXXX, who verbally stated, " We do not have an original contract, proof of your signature, or a recording or you by audio or video to send to you. All of our applications are done online. '' I asked if she can send me a screen shot of an online application. Again, she verified, " I can not. '' She then went on to say the debt has been sold to XXXX XXXX and I can reach them at XXXX. COMPANY REFUSES AND CAN NOT SEND ME DOCUMENTS REQUESTED : ORIGINAL CONTRACT, PROOF OF PHYSICAL SIGNATURE, RECORDING BY AUDIO OR PHONE OF ME ASKING FOR A LINE OF CREDIT. 

1. This account can not be verified or validated that it is mine.

2. This account is not mine and was never opened by me.

3. This account has been sold with no proof it belongs to me.

4. Information on my reports in hereby not 100 % accurate and truthful so it can not be there.

5. Account was charged off and no longer owned by Milestone 6. Multiple names used for company : TBOM/Milestone, letter head GENESIS FS CARD SERVICES. 
7. Wrong information given in their letter, attached. Says to call XXXX and then get told to call XXXX. 

Many laws are broken here. FCRA AND FDCPA and I can sue them for damages of {$1000.00} per reporting.

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 2020-01-09 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: MI

Complaint narrative:
Today, Thursday, XX/XX/2020, I called and spoke to XXXX, ID XXXX, who verbally stated, " We do not have an original contract, proof of your signature, or a recording or you by audio or video to send to you. All of our applications are done online. '' I asked if she can send me a screen shot of an online application. Again, she verified, " I can not. '' She then went on to say the debt has been sold to XXXX XXXX and I can reach them at XXXX. COMPANY REFUSES AND CAN NOT SEND ME DOCUMENTS REQUESTED : ORIGINAL CONTRACT, PROOF OF PHYSICAL SIGNATURE, RECORDING BY AUDIO OR PHONE OF ME ASKING FOR A LINE OF CREDIT. 

1. This account can not be verified or validated that it is mine. 
2. This account is not mine and was never opened by me. 
3. This account has been sold with no proof it belongs to me. 
4. Information on my reports in hereby not 100 % accurate and truthful so it can not be there. 
5. Account was charged off and no longer owned by Milestone 6. Multiple names used for company : XXXX, letter head XXXX XXXX   XXXX XXXX. 
7. Wrong information given in their letter, attached. Says to call XXXX and then get told to call XXXX. 

Many laws are broken here. FCRA AND FDCPA and I can sue them for damages of {$1000.00} per reporting.

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 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a vehicle they had for sale. The sales agent asked me some verbal questions about my income, credit, etc. I explained that I was working to repair my credit. Agent asked if the finance manager could " check my credit '' to see what the score was. It was low. I told him I was not interested in going any further. I did not fill out an application and I DID NOT authorize Fields verbally or in writing to " shop me around '' to various lenders, who each pulled their own HARD INQUIRY. I was not aware of this until a later date. I reported this crime and misuse of my personal information to XXXX and nothing was done. Experian does not permit a dispute for all these inquiries to be done on line. So, I called in. There is no option to speak to a person. So, how am I supposed to dispute this????? I did not authorize these and XXXX XXXX has significantly harmed by credit rating and Experian is not available to assist. Can you help me with my compliant against Experian and 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 2020-01-09 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: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 90 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: TX

Complaint narrative:
After 3 years. A account is reported back on my credit reports. The original creditor is reporting and the agency they apparently sold this debt to. First, its against the law for the original creditor and a collection agency to report the same thing. That is fraud! Second, this was removed from my credit report XX/XX/2016. Due to incorrect information, harrassment, threats and etc from XXXX. Then its a different name of XXXX XXXX and the collection agency XXXX XXXX. Both the same with a couple dollars off. All illegal and fraudulent.This needs to be removed and never sold or return on my credit report ever?

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 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
I received a letter in the U S Mail which offered a {$200.00} credit with a new card application after spending {$500.00} in the first 90 days. The letter offers application by phone or online. When attempting to make the application on line no terms were offered which included the {$200.00} credit. After attempting to make the application by telephone I was told that a cell phone was needed to proceed with the application. The agent stated that there are hundreds of offers available but would not confirm the one mailed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 90 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score 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 2020-01-09 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: CA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 90 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score 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 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XX/XX/2019 I requested an escrow analysis with PennyMac because I was fully aware that I had a surplus of {$2600.00} in my escrow account. PennyMac completed an escrow analysis on XXXX XXXX and has issued a check to me in the amount of {$650.00} leaving my escrow account with a surplus balance of {$1900.00}. 

In accordance with 12 CFR Part 1024 - Real Estate Settlement Procedures Act ( Regulation X ) 1024.17 Escrow accounts. ( 2 ) Surpluses. ( i ) If an escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to 50 dollars ( {$50.00} ). If the surplus is less than 50 dollars ( {$50.00} ), the servicer may refund  such amount to the borrower, or credit such amount against the next year 's escrow payments. 

My original loan contract signed at closing and the state of Texas does not require me to leave a surplus in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CA

Complaint narrative:
Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) 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 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a vehicle they had for sale. The sales agent asked me some verbal questions about my income, credit, etc. I explained that I was working to repair my credit. Agent asked if the finance manager could " check my credit '' to see what the score was. It was low. I told him I was not interested in going any further. I did not fill out an application and I DID NOT authorize XXXX verbally or in writing to " shop me around '' to various lenders, who each pulled their own HARD INQUIRY. I was not aware of this until a later date. I reported this crime and misuse of my personal information to XXXX and nothing was done. XXXX does not permit a dispute for all these inquiries to be done on line. So, I called in. There is no option to speak to a person. So, how am I supposed to dispute this????? I did not authorize these and XXXX XXXX has significantly harmed by credit rating and XXXX   is not available to assist. Can you help me with my compliant against XXXX and 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 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a vehicle they had for sale. The sales agent asked me some verbal questions about my income, credit, etc. I explained that I was working to repair my credit. Agent asked if the finance manager could " check my credit '' to see what the score was. It was low. I told him I was not interested in going any further. I did not fill out an application and I DID NOT authorize XXXX verbally or in writing to " shop me around '' to various lenders, who each pulled their own HARD INQUIRY. I was not aware of this until a later date. I reported this crime and misuse of my personal information to XXXX and nothing was done. XXXX does not permit a dispute for all these inquiries to be done on line. So, I called in. There is no option to speak to a person. So, how am I supposed to dispute this????? I did not authorize these and XXXX XXXX has significantly harmed by credit rating and XXXX   is not available to assist. Can you help me with my compliant against XXXX and XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CA

Complaint narrative:
I am filing this complaint because I was made aware of some accounts on my credit report that do not belong to me. The way I found out is that I got my credit ran by a loan company when I applied for a personal loan. I had no idea that these accounts were on my credit before today XX/XX/20. I did not open any of these accounts nor did I give anyone permission to open them in my name. I made some calls and I found out that these accounts were opened by a person named XXXX XXXX XXXX. I have no idea who that is nor why they opened these accounts in my name without my permission. I never made any purchases or payments towards any of these accounts nor did I benefit anything from these accounts such as money, services, goods or any other benefit.

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 2020-01-09 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: CA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) 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 2020-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Student Loan Financial Assistance
State: CA

Complaint narrative:
I am writing this complaint about a company Student Loan Financial Assist. 
This company is defrauding the government. This company is telling barrow that they can assist them with there student loans, and they are taking upfront fees that are not being placed into an escrow account. This company is telling barrows that the fees that they are paying are going to the balance of their student loans. This company is also charging barrows monthly fees that range from 8.00 to 75.00 a month. This company is also signing documents that are being sent to the Department of Education on behalf of the barrows. This company is also sending forbearance that is not signed by the barrow but is actually being signed employees of the company. SLFA is also calling the department of education collection pretending to be the barrow and providing them with incorrect information to ensure that the barrow is placed on a XXXX a month rehab plan, The documents that are beings sent to the collection are also not being signed by the barrow but employees of the company. The employees are told to do this by the Manager of the company. This company is also creating online accounts with services such as XXXX XXXX, XXXX XXXX, At one time this company was login on XXXX to complete the application, but that has now stop, and they are just sending paper application using an expired form and signing the application as the borrow without the barrow knowing. They are also using incorrect family size they are also stating that the barrows are unemployed when they actually have income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CA

Complaint narrative:
I am filing this complaint because I was made aware of some accounts on my credit report that do not belong to me. The way I found out is that I got my credit ran by a loan company when I applied for a personal loan. I had no idea that these accounts were on my credit before today XX/XX/20. I did not open any of these accounts nor did I give anyone permission to open them in my name. I made some calls and I found out that these accounts were opened by a person named XXXX XXXX XXXX. I have no idea who that is nor why they opened these accounts in my name without my permission. I never made any purchases or payments towards any of these accounts nor did I benefit anything from these accounts such as money, services, goods or any other benefit.

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 2020-01-09 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:
I am filing this complaint because I was made aware of some accounts on my credit report that do not belong to me. The way I found out is that I got my credit ran by a loan company when I applied for a personal loan. I had no idea that these accounts were on my credit before today XX/XX/20. I did not open any of these accounts nor did I give anyone permission to open them in my name. I made some calls and I found out that these accounts were opened by a person named XXXX XXXX XXXX. I have no idea who that is nor why they opened these accounts in my name without my permission. I never made any purchases or payments towards any of these accounts nor did I benefit anything from these accounts such as money, services, goods or any other benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. 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 2020-01-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi prepaid amount paid XXXX and XXXX XX/XX/XXXX Still not cleared although funds were withdrawn from my bank account XX/XX/XXXX Citi is still holding funds Another payment in amount XXXX made XXXX also cleared through bank never released Citi is still holding funds and not making them available It is completely illegal to hold funds for more then 5 business days

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