vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
TODAYS DATE:XX/XX/2020 XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported :XX/XX/2020 XXXX/XXXX  Reported : XX/XX/2020 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2020-03-27 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: FL

Complaint narrative:
TODAYS DATE:XX/XX/2020 XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XX/XX/2020 XXXX/XXXX  Reported : XX/XX/2020 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Kentucky Higher Education Assistance Authority
State: TN

Complaint narrative:
KHESLC is telling me, that my account doesnt qualify for the student loan interest waiver due to COVID 19. My loaned are not FFEL loans, they are federal loans ( they were taken out prior to 2010, but still federal loans ). KHESLC states they arent eligible. How is this possible, the interest rate should absolutely be waived for The duration of the period outlined in the COVID stimulus bill. My account # is XXXX. My name is XXXX XXXX XXXX. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Received credit of XXXX in XXXX from care credit/synchrony bank. 
I paid {$200.00} in XXXX with a {$170.00} min. Due. promotional 24 months zero interest. 
My XXXX  Where the original credit came from then issued a credit of {$2900.00} on XXXX. Left a balance of {$900.00} I called then because they were still charging me {$170.00} min due on a {$900.00} balance. 
I had it on auto pay so they would take the minimum due a minimum due this month was XXXX but yet they still took {$170.00} out of my bank account for the second month in a row. 
I contacted them 63 by email three by phone. 
Every time they assured me that it was their mistake and it would be corrected. See enclosed letter.

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 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: WA

Complaint narrative:
I closed on my home XX/XX/2020, and my loan was paid in full. 

Today is XX/XX/2020, and have yet to receive my escrow refund of {$1800.00}. 

I've contacted Dovenmuehle on seven different occasions to be told when I'd receive my check. My last three conversations in the last three weeks have been that they've issued the check and I should be receiving in the mail. Multiple times I've called them back to ask where my check is to find out that the previous person I spoke to on the phone never actually issued it like they said they would. 

The amount of days they've held on to my funds is a clear violation of RESPA, and they need to be held accountable for dropping the ball on my family so many times. 

At this point, I can't even call their office to speak with customer service. If this goes on any further, I'm forced to seek legal council. 

I've also reached out to them over their websites messaging system. This is the message I sent on XX/XX/2020. 

" Hello, I'm closing on the sell of my home today ( XX/XX/2020 ), so I'm requesting a refund of my escrow balance. 

I've been told it takes 15 days to receive a refund, so I'll be expecting to receive the check by or before XX/XX/XXXX. 

Thanks, XXXX XXXX '' -- -- -- -- -- -- -- -- This is the message I received on XX/XX/2020. 

" Dear XXXX XXXX XXXX, This is in response to your inquiry regarding your remaining funds in your escrow account. We apologize for the delay in our response. 

Our records indicate your loan was paid in full on XX/XX/2020. An escrow refund of {$1800.00} was issued on XX/XX/2020 and sent to your mailing address on file. Please allow up to 15 business days for it to arrive. 

The appropriate release of lien documents were prepared for this loan within state-defined timeframes and sent to your county recorder 's office on XX/XX/2020. 

Please contact your taxing authority and insurance carrier to let them know to send any tax bills and/or insurance bills to you as you are now responsible for making tax and hazard insurance payments. 

We appreciated the opportunity to service your loan. 

While we believe that this response fully addresses the concerns outlined in your correspondence, should you have any further questions, please contact our Customer Service Department at XXXX, or you may respond directly to this message. 

Sincerely, Research Department '' -- -- -- -- -- -- -- - Again, they've resolved nothing. I've been very punctual with checking in on the status of my refund, but I still have not received anything. Dovenmuehle needs to be held accountable for mismanaging my escrow account, and withholding the money that I put into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I purchased a floor lamp from a neighbor. He disassembled the lamp and have it to me without instructions or guide to rebuild it. I have contacted him to make this right but he is unwilling to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Clark County Collection Service
State: IL

Complaint narrative:
Trying to apply apartment but I can't be approved because of the collection I don't own .. the Clark county collection trying to collect the XXXX XXXX  under my husband account.. which my husband just file chapter XXXX bankruptcy. Which the XXXX XXXX  been discharged with  the bankruptcy and now they report it under my credit report as a joint which I don't sign anything and im not present when my husband get a loan. 
The amount they trying to collect is {$1400.00} XX/XX/2018 And they put joint without my signature and even im not present they include me as a joint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB
State: OR

Complaint narrative:
We made a payment viva XXXX XXXX  online bill pay to State Farm Bank for our XXXX mortgage payment the end of XXXX. Normally I make all payments through the State Farm website but both times I tried it was not functioning. XXXX reported the funds had been delivered on XX/XX/20. 
Below is the event timeline : XX/XX/XXXX : We received a letter informing us the payment had not been received. I called as soon as I got the letter around XXXX oclock. They threatened that if I did not make an additional payment, we would incur late fees and have a mark on my credit. The double payment was made in anticipation of them quickly resolving the issue. At that time, they had told me should be the next day. 
I emailed the transmittal form provided by XXXX stating State Farm Bank had received and accepted the funds to both the website message center and XXXX. 
XX/XX/XXXX : I called State Farm Bank the customer service representative said that they will not resolve the claim for up to 48 hours, call back Thursday. When I asked if they could at least tell me if the documentation I submitted was correct, they said no. 
XX/XX/XXXX : The customer service representative that day said it could take up to a week, I asked for a manager. The manager told me I could fax it, when I stated I had no access to a fax I was told it could take up to two weeks. Also, recent information two both the web site and email. 
XX/XX/XXXX : On the call this day I got a customer representative that said they had received the proper documentation and it should be resolved by the end of the day. However, it could take a little longer call back on the XXXX have I not heard anything. 
XX/XX/XXXX : The first representative said they never received the transmittal. I was sent to another a person and they FINAL found it and stated they would work on it. They called back and declared I should hear from them first thing the following day. 
XX/XX/XXXX : I called after not hearing from them by XXXX. The representative from the previous day said the managers were working on it and would call back by noon the following day. 
XX/XX/XXXX : Never received a call back, I called them, they called back. The message was I would have to escalate because in order to have it looked at then hopefully resolved. 

Email transmittal from XXXX was sent to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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:
On XX/XX/2020 at XXXX XXXX  I sent certified mail written communication to EQUIFAX dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that Equifax used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from Equifax on XX/XX/2020 dated XX/XX/2020. Out of 20 requests for verification of accounts. Only 1 item was deleted. I requested for Equifax to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/2020 I sent a second certified mail written communication to Equifax dated XX/XX/2020. requesting verification to substantiate information that is being furnished to them. The statutory 30-day has passed and I have not received communication from EQUIFAX. FCRA requires EQUIFAX to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation EQUIFAX received and used to verify the information being reported and maintained in my file. Equifax must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Ad Astra Recovery Serv refused to remove a fradulent account from credit report after proof of identity theft was given and they could not supply any personal loan identification Social security number taken through data breach was all and a fake contract without signatures or identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX As required by FACTA and in support of my request, I am including a copy of my AFFIDAVIT And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter.

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 2020-03-27 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: FL

Complaint narrative:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX As required by FACTA and in support of my request, I am including a copy of my AFFIDAVIT And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any  reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX Inquiry Date : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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 XXXX  XXXX  wrongfully reported my wife and I during the government shutdown last year XX/XX/2019. They eventually acknowledged and removed that 30 day late status XX/XX/2019, but our 70 points taken off from each of us never returned.

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 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: CA

Complaint narrative:
Called company but no one answer.

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 2020-03-27 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 filling this report because today XX/XX/2020 I found out about two accounts and several credit inquiries on my credit report that do not belong to me. I was denied from refinancing my car and thats how I found out about all of these items on my credit that do not belong to me. I did not open those accounts nor did I make those credit inquiries. I did not allow anyone to open those accounts in my name nor did I give those companies permission to run my credit. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts and inquiries such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts. I have filed a police report regarding this unauthorized accounts and inquiries that should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: SC

Complaint narrative:
a formal complaint that you are reporting inaccurate and incomplete credit information NOTHING RETURNED IN 30 DAY OF TWO TRIES

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