vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 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: NY

Complaint narrative:
I have updated letters describing the issue. A fair resolution to this issue is to remove.

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 2020-12-08 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, TD BANK N.A. add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX 2020 Filed an dispute with XXXX  and Equifax disputing Collection account by XXXX XXXX XXXX one in the amount of {$1100.00} and the second account in {$790.00} I Have NEVER HAD AN CONTRACT OR ACCOUNT WITH THIS COMPANY EVER THIS INFORMATION IS FALSE AND NOT MINE! UNDER FAIR CREDIT REPORTING ACT THIS IS A VIOLATION BY BOTH XXXX AND EQUIFAX! XXXX  HAS SINCE REMOVED THE ACCOUNT IN THE AMOUNT OF {$790.00} AND NOT THE OTHER AND EQUIFAX HAS FAILED TO REMOVE ANY OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NFM, INC
State: NJ

Complaint narrative:
On XXXX XXXX we have purchase our first home, and we did not ask any question about anything we were very excited for our new home, we did not bother to ask like millions of home owners, but our Ignorance of the law we couldn't see anything wrong until we starting looking for information about our property we starter seeing that every single document in our possession was not sign, however we start to get info and research about this matter and after consulting a 25 year experience CPA we were able to find out that our XXXX XXXX  was not even a Mortgage, no signature it was no loan in other words it was a fraud. after months of research and study we came to the conclusion that in fact was a fraud, so therefore is null and void. After digging with the help of our CPA we were aware of the Known concept of Generally Accepted Accounting Principles ( XXXX ) giving us the understanding how the Banking System works. with over XXXX hours of research we starting to comprehend what was really going on. Now we know that our loan was a deposit According to XXXX and and expert CPA name XXXX XXXX XXXX here is the link : XXXX : XXXX out of this document our eyes has been open

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: MA

Complaint narrative:
Good Evening Credit Bureau and Agency ; I've written to you guys for many months now, expressing my concerns about several personal information that doesn't belong to me and I've asked on several occasions that that information be corrected or deleted. For example, I've told you guys that the name is incorrectly spelled, and addresses and hard inquiries that don't belong to me. The other information there belongs to my brother and family member that has the same name. I've also gone ahead and uploaded, faxed, and mailed my ID, SS Card, and proof of address as requested to make the correct but you still reporting those issues.

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 2020-12-07 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: MA

Complaint narrative:
Good Evening Credit Bureau and Agency ; I've written to you guys for many months now, expressing my concerns about several personal information that doesn't belong to me and I've asked on several occasions that that information be corrected or deleted. For example, I've told you guys that the name is incorrectly spelled, and addresses and hard inquiries that don't belong to me. The other information there belongs to my brother and family member that has the same name. I've also gone ahead and uploaded, faxed, and mailed my ID, SS Card, and proof of address as requested to make the correct but you still reporting those issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: NC

Complaint narrative:
XXXX XXXX  will not remove the dispute Im requesting.. Ive already contacted them and explain that the auto loan was fraudulent put in my name by a family voluntarily turn it in ... Im so hurt because now my credit is destroyed from a auto loan I wasnt responsible for myself

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 2020-12-07 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: NC

Complaint narrative:
XXXX XXXX  will not remove the dispute Im requesting.. Ive already contacted them and explain that the auto loan was fraudulent put in my name by a family voluntarily turn it in ... Im so hurt because now my credit is destroyed from a auto loan I wasnt responsible for myself

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: NC

Complaint narrative:
XXXX XXXX  will not remove the dispute Im requesting.. Ive already contacted them and explain that the auto loan was fraudulent put in my name by a family voluntarily turn it in ... Im so hurt because now my credit is destroyed from a auto loan I wasnt responsible for myself

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 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020, I sent a letter to the bureaus about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to XXXX XXXX XXXX XXXX but my credit is making the process a lot harder.

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 2020-12-08 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: TX

Complaint narrative:
i am a victim of identity theft and i noticed a lot of inquiries on my credit report and also an account that needs to be validated by signed documents by me authorizing this account

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 2020-12-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX I notice two hard Inquiries that show up on my account. I reach out to CBNA and Sears/ CNBA and they have no recollection of me applying or have an account with them. Which means the Information is inaccurate and needs to be removed. They told me to reach out to you XXXX  so you can remove the hard inquiry. I also attached a credit shot of my XXXX XXXX showing that the information is still reporting on my credit report.

Feel Free to call me at XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I initially refinanced with XXXX XXXX  on XX/XX/2020. During the loan process they added {$2000.00} in closing fees to the mortgage making my LTV ratio 80.29 percent. When I inquired about just paying the closing fees to avoid PMI they added additional fees in the way of point to my loan. Not wanting to restructure my whole mortgage and lose thousands of dollars I told XXXX XXXX  to go ahead and just add the closing costs to the original loan. The services informed me that once the loan was processed I could pay the {$2000.00} in a principal payment to reduce my LTV ratio below 80 percent and have the PMI removed. After completion of the refinance my loan was transferred to WellsFargo. I added that principal payment on XX/XX/2020 prior to my first scheduled payment. I then called WellsFargo to inquire about taking off my PMI. I have received several denial letters from them stating I need my house to be re-appraised. The cost is another XXXX dollars. I think this unfair as my house was just appraised by XXXX XXXX  and the loan is less than 2 months old. I am writing because I am out of options and dont know how to proceed as WellsFargo is being unreasonable.

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 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
In XX/XX/XXXX I opened an account at a TD Bank branch in Washington DC. I have had an account at the XXXX part of TD for decades because I used to work there and I imagined that having an account at the US bit would make it easier and cheaper for me to move funds from the XXXX account to the US.

All was well until about four years ago, when TD neglected to send me a replacement ATM card. I called several times but, despite wasting a lot of time, was for reasons I remain unclear on, unable to persuade them to send me one. After a couple of years of that, I decided to simply close the account. That, as it turns out, is not easy either. Indeed, so far it has proved impossible. Again there have been multiple phone calls, followed by the notarized letter that their website promises will suffice to close an account. That letter was sent in XX/XX/XXXX. I then followed up multiple times using the secure email facility on their website. At first I just got form emails back saying that they were too busy with COVID. So I gave up again and got busy with other things. 

Today I received a snail mail letter informing me that my account has been designated inactive and is in danger of being turned over to the government as unclaimed. It has been active in the financial sense because TD Bank refuses to let me use it by sending me an ATM card or, as I found out today, by letting me remove funds electronically to my local bank account or to XXXX. It has certainly not been inactive in the broader sense that I have been in contact every few months, first in my attempts to attain an ATM card and then in my attempts to close my account. 

So the snail mail I received today asked me to show up in person at a branch or to undertake a transaction. The former is difficult because I live far from the nearest TD Branch and am not travelling to DC for business as I normally do due to the pandemic. The latter is impossible because they will not send me an ATM card nor let me withdraw money electronically. I would be a fool to deposit money in an account from which I am unable to withdraw funds. I have not attempted to write a paper check and deposit it in my local bank because I worry they will not honor it and I will end up paying bounced check fees. I did not call again today because I have learned through painful experience that all it does is put me in a bad mood, which is unpleasant for my family. 

Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I received a phone call from this so called company ARS ( Account Resolution Services ) telling me that I was placed in collections for a medical debt regarding some previous visit of my son to the ER in the XXXX XXXX Hospital I explained that my son had insurance ( XXXX bc he is XXXX  ) and I have never had to pay any bill or medication before. I didn't give them any information and asked for the Dr name bc I keep records of all my son 's visit to the hospital and the dates were coincident Then I called the hospital and they assured me that i didn't have any bill pending under that doctor 's name Now I'm getting a letter from the same company ( the information is at the end of this letter ) with two visits ( one is real, the other is not ) and I'm worried bc I really don't know if this could impact my credit history, which btw is not bad at all. 
Any help I could receive from you would be highly appreciated ACCOUNT RESOLUTION SERVICES a division of HRRG, XXXX XXXX XXXX  XXXX XXXX, FL XXXX Ph : XXXX My address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2020-12-08 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:
On XXXX XXXX I notice two hard Inquiries that show up on my account. I reach out to XXXX and XXXX/ XXXX and they have no recollection of me applying or have an account with them. Which means the Information is inaccurate and needs to be removed. They told me to reach out to you Equifax so you can remove the hard inquiry. I also attached a credit shot of my XXXX XXXX showing that the information is still reporting on my credit report. 

Feel Free to call me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX ) via certified mail on XX/XX/2020. 
In my letter received by Experian, XXXX and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. I received a notice from Experian stating that they would complete my reinvestigation on or around XX/XX/XXXX but I never received that update and I have no update at all from XXXX or 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 2020-12-08 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: NY

Complaint narrative:
Hello, DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH XXXX  AND TRANSUNION. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS  DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.

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 2020-12-08 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: NY

Complaint narrative:
Hello, DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XXXX. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.

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