vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 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 have been denied a rental unit due to an unsuccessful attempt to gain access to my credit report via Experian, who asked me for further identification using unfair and unrelated questions. I have been applying and getting denied for an apartment due to inaccurate questions being asked of me for further identification purposes through Experian. I applied for an apartment on XX/XX/2019 at XXXX XXXX XXXX XXXX in XXXX, CA who uses a company called XXXX ( XXXX XXXX XXXX ) to run credit reports through Experian. I paid {$35.00} ( Twice ) and was told that I needed to further identify myself through a link sent to my email with questions that were supposed to pertain to myself, randomly selected and provided by Experian. The questions I received did not pertain to me. For example, I was given a question asking to choose a phone number I am associated with, I either have never had these numbers or they are so old that it is unfair to ask me to remember them and then deny me when I don't. Another examples would be a question asking me to choose the person whos birthday falls on a particular date, not only did I have no association with the people listed in the multiple choice question, but it is unfair to assume that I would know their birthdays even if I had known them. I was charged twice for this service and two hard inquiries have been put on my report regardless of the fact that it was the same company and they said they were unable to run it due to inability to verify who I am. I am in desperate need to have this issue resolved, as I can not find a place to live if I am constantly denied due to unfair questions asked of me. My two-year old daughter and I are within weeks of being homeless due to this issue. I need these questions removed pertaining to people, phone numbers and any other information that does not pertain to me. Seeing as I do not know what questions I will be asked ahead of time, there is no way for me to inform you of which future questions I may be asked that will be incorrect or that I can not answer. I am requesting that Experian provide my report to XXXX, as previously authorize, twice, and remove these questions that were asked of me so future inquiries will be process without delay. I would also like those two hard inquires from Rental Property Solution ( dated XX/XX/19 & XX/XX/19 ) taken off my report as it is unfair for my report to be impacted by an inquiry that could not be completed once, much less, the two times it is on my report from the same company, for the same reason. Thank you for your time and I look forward to a resolution.

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 2019-09-09 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-09-09 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: TN

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting a charge-off collection in the amount of {$16000.00} on the XXXX XXXX/XXXX/XXXX XXXX XXXX - account number XXXX. ( Please see page attached from my credit report. ) Per agreement from XXXX XXXX XXXX, the vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My loan servicing was transferred from XXXX to Mr. Cooper. It was supposed to be effective XX/XX/2019. There is a regular payment and two additional principal payments I made to XXXX  that were not reflected in the balance Mr. Cooper stated I owed. Specifically, the balance XXXX  says was transferred was {$460000.00} and the balance Mr. Cooper said I owed in the first statement received from them was {$470000.00}. The balance of {$470000.00} was the principal balance of my loan with XXXX   after I made the regular payment to XXXX  on XX/XX/2019. I made an additional principal payment on XX/XX/2019 of {$310.00} to XXXX. I also made another regular payment to XXXX of {$2200.00} along with an additional principal payment to XXXX  of {$310.00} on XX/XX/2019. The amount of {$2900.00} is essentially missing. I have sent a detailed letter to both companies and had numerous phone calls with both companies. Both companies deny any error. This entire issue appears to possibly be caused by Mr. Cooper 's records reflecting my loan was transferred to Mr. Cooper on XX/XX/2019 instead of XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: VA

Complaint narrative:
A XXXX XXXX XXXX Report has been completed with no resolution or a response. Money Lion has had a troubled history with actions taken by VA & other  states. I signed up for the {$79.00} membership plan including {$29.00} + {$50.00} mandatory investment. The online message system is unacceptable. The contact forms online serve no purpose as every time, there is absolutely no resolution. You get non resolved emails. Additionally, Money Lion online does not match what is available on the PHONE APP and I do not have a smart phone. I have no idea my checking acct bal unless calling and no statements with the online account. No view of checking or investment accts. I have a review by XXXX XXXX and I need statements email to me by tomorrow. 
Additionally, money lion takes about 9 days to credit the money to the investment account. My loan # is XXXX. Checking XXXX XXXX acct XXXX. Additionally, they purposely hide their phone number of the New York Corporate Office - no one knows what their number is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: TN

Complaint narrative:
I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR THE CREDIT BUREAUS TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: TN

Complaint narrative:
I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR THE CREDIT BUREAUS TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

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 2019-09-09 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: TN

Complaint narrative:
I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND EXPERIAN CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR THE CREDIT BUREAUS TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

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 2019-09-09 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 — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
In XX/XX/2019 I received a text from HSBC asking was I trying to charge XXXX at a grocery store. I was not and texted no. I received a text back to contact the fraud department. I contacted them and the filed a fraud report. They person on the phone told me I would receive a form to complete in the mail. I received the fraud affidavit form and returned to to HSBC. I heard nothing back from HSBC. In XX/XX/XXXX I noticed my HSBC card had a balance on XXXX XXXX and contacted HSBC. My account had a XXXX   balance. I never use this credit card. HSBC wrote me back and said the fraudulent charges had been removed and I was not responsible for them. I asked over the phone should I file a police report. I was told I should not. In XX/XX/XXXX I started getting collection calls from HSBC for the fraudulent charges. They referred me back to fraud department. I was told to file a police report and I did and gave them the report number. a month later I started receiving collection calls again. A few weeks later the HSBC collector refereed me to the fraud department and they requested a copy of the police report. I provided the report and they said I would hear from them in 10 days. That was XX/XX/XXXX. I have never gotten anything in writing about the fraud claim. After I spoke to collections I was told from that department that the fraud claim was denied. I asked the fraud department why the fraud claim was denied and why I had never gotten anything in writing as credit card companies are required. They did not answer my questions. All of the charges were made on the same I a received the text. I have never used this card in a store on online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: TN

Complaint narrative:
XXXX  ; XXXX  and Transunion are incorrectly reporting a charge-off collection in the amount of {$16000.00} on the XXXX XXXX/XXXX/XXXX   XXXX XXXX - account number XXXX. ( Please see page attached from my credit report. ) Per agreement from XXXX XXXX XXXX, the vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items 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 2019-09-09 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: TN

Complaint narrative:
XXXX  ; Experian and XXXX  are incorrectly reporting a charge-off collection in the amount of {$16000.00} on the XXXX XXXX/XXXX/XXXX XXXX XXXX - account number XXXX. ( Please see page attached from my credit report. ) Per agreement from XXXX XXXX XXXX, the vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items 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 2019-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I called Syncrhony and XXXX and no one was debt it yet, it is reporting on my credit

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 2019-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: LendKey Technologies, Inc.
State: MI

Complaint narrative:
I applied for a XXXX XXXX XXXX through XXXX XXXX / Lendkey. The website stated I needed to demonstrate 15K in annual income plus a good credit score to qualify. I am a XXXX XXXX XXXX so I do not currently have income, however I have a credit score of 800+ and made more than 15K during a summer internship, so I believed I would qualify for the loan based on the requirements they stated and I submitted an application. After being told that my income did not satisfy the requirements because it was not active income ( which was not stated on the requirements ), I continued to provide additional documentation at the institutions request, only to be told that the documentation they requested and which I provided did not suffice. After getting sick of the back and forth, I requested to pull my application. I then received an email stating my application had been denied because I failed to provide appropriate documentation. I called XXXX XXXX and complained, and they told me that I could call the loan center back and request a change in the language from loan denial to loan withdrawal, as well as a removal of my hard credit inquiry. I made the request and have been given the run around, when I ask for a supervisor I am told that none are available and they will call me back later, yet I have not received any calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
We had many lenders that wanted us to work with them including XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX when we purchased our home. Our realtor at XXXX XXXX XXXX referred us to her husband, a lender at First National Bank ( FNB ). He promised us a slightly better rate of 3 1/2 no points on a 15 year fixed but not until the day of closing we found out that wed have to pay over {$5000.00} to in fact get that rate.

First National Bank knew that we needed a construction loan to add bedrooms for our large, blended family. He knew that we needed to get the work done as soon as possible to ease the transition for our kids.

The contractor ( XXXX ) that we preferred using had also done work for us on our previous home, and we were happy with his work. XXXX gave detailed drawings and numbers for FNB. FNB informed us that XXXX  wasnt approved for the construction loan and instead steered us to the pre-approved contractor, XXXX, for our construction loan.

However, FNB never delivered the construction loan. FNB instead gave us a line of credit at a higher interest rate. As construction began, we were told to keep issuing wire transfers to XXXX  or threats that our construction would stop. Our house was completely demolished at this point, with no electric or plumbing. So we had no choice but to issue the wires from our LOC and complete the work. Again, we were threatened that the work would stop and the contractor would leave out of the country if we did not comply. We were also told that new fixtures would be ripped out of the walls if we didnt pay.

We are now in a house where the plumbing and electric are functional, but not complete. The electric box has open wires, our generator has not been hooked up, some plumbing is leaking or loose, tile work has not been completed, our fireplace is not fully installed, and other issues.

We need to complete the work but have completely lost all trust in XXXX. We have come to find out that First National Bank and our contractor, XXXX, have a side business. They also used underage children who should have been in school.

Because of First National Banks unprofessionalism, we are now in a bad financial situation. We have reached out to other lenders but they will not refinance our construction loan or LOC during active construction.

First National Bank steered us to a line of credit that we never asked for in the first place and said they would pay the point to get us to prime until we got the promised refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I was told by the customer service agent, that if a made a payment of {$150.00} that I would not be marked for a 30 day past due ding on my credit report. I paid that amount and it was still reported on my credit as 30 days past due. As of now i am currently caught up on all payments to the current company. I also told them that we can set up automatic payments as well. I still recieved a 30 day past due mark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My loan servicing was transferred from XXXX  to XXXX XXXX. It was supposed to be effective XX/XX/2019. There is a regular payment and two additional principal payments I made to XXXX that were not reflected in the balance XXXX XXXX stated I owed. Specifically, the balance XXXX  says was transferred was {$460000.00} and the balance XXXX XXXX said I owed in the first statement received from them was {$470000.00}. The balance of {$470000.00} was the principal balance of my loan with XXXX   after I made the regular payment to XXXX on XX/XX/2019. I made an additional principal payment on XX/XX/2019 of {$310.00} to XXXX. I also made another regular payment to XXXX of {$2200.00} along with an additional principal payment to XXXX of {$310.00} on XX/XX/2019. The amount of {$2900.00} is essentially missing. I have sent a detailed letter to both companies and had numerous phone calls with both companies. Both companies deny any error. This entire issue appears to possibly be caused by XXXX XXXX 's records reflecting my loan was transferred to XXXX XXXX on XX/XX/2019 instead of XX/XX/2019.

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 2019-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: AZ

Complaint narrative:
This organization has purchased the debt at issue from XXXX XXXX. 

I have never done any business with XXXX XXXX or Trident Asset Management ( hereinafter TAM ).

I have informed Trident via reply to one of their notifications regarding this debt. I have informed both XXXX  XXXX and TAM that I never open an account or contract electronically or via the internet. I do NOT sign any contract unless it is with a notary present and I can sign my wet-ink signature on the contract to signify my agreement. 

Trident claims I opened an account online with XXXX XXXX. This is untrue ; and if they maintain this claim, I am demanding to see the initial contract I signed to do so. If there is no such contract, there is no such debt in my name ( XXXX XXXX ), and Trident will not receive one penny towards this false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: FL

Complaint narrative:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.

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