vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-07 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-07 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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 2022-03-07 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In 2020, my account was reported late 90 days ( XX/XX/2020 ) Transunion and again XX/XX/2020 with Transunion and XXXX. However, the account was paid on time. I have reached out to the company on numerous times to try and get this resolved.

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 2022-03-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In 2020, my account was reported late 90 days ( XX/XX/2020 ) XXXX and again XX/XX/2020 with XXXX and Experian. However, the account was paid on time. I have reached out to the company on numerous times to try and get this resolved.

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 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I am sorry to bother you again, but I cant understand why PHH mortgage XXXX can't give me a payment deferral plan as I see it is being offered at this time. 
I have lived in my home for for 27+ years. My demise began as a result of a work related injury at XXXX XXXX ( my employer since 1986 ). I very much wanted to return to work post- surgeries and retire with my peers to include my earned travel benefits But.XXXX XXXX XXXX XXXX has been difficult to say the least- 3 claim closures which were won in appeals court, 2 XXXX later and currently waiting for nearly 4years for the approval of the final XXXX ( approved already at the beginning of my claim ) leaves me now, a XXXX XXXX XXXX single woman struggling to make ends meet. 
I did try a modification several Yeats ago, but at that time, XXXX XXXX XXXX closed my claim and I wasnt able to keep up. Since then, I have modified my home and now have rental units which give me significant income. I've tried sending Mtg. payments which were returned and I have applied for modifications again but was either denied and/or I received no response. 
I watch others receive Unemployment compensation regardless if they've ever had a job, people get rental assistance and housing is being built for the homeless people as I sit here and watch all my life 's hard efforts get taken away from me due to medical reasons. It's just not right! With that being said, the 2 issues I am asking you to help me with are 1 ) Negotiate extreme penalty amounts with PHH Mortgage. 
2 ) Help me request a Deferred payment plan. If I could just continue with my original loan amount with the amount of arrears put to the end of the loan, I am confidant that I can make the payments on time, every month. Whereas a refinance with a huge payment would be a struggle. 
A deferral of my past due amount to the end of my loan would put an end to my ongoing mortgage issues. Please, can you advise me on how to get this deferral program? I have read that it is being offered to others - Why can't it be offered to me? 
My income has sustained thru my rental units along with SSI checks that i just recently started getting. 
I also look forward to my pension from XXXX XXXX. 
I have considered hiring an Attorney to help me with my Mortgage issues but hoping I don't have to. 
I just don't know what I would do if my home is foreclosed on. The cost of housing is so high. 
Please, can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: NJ

Complaint narrative:
incorrect name and address and phone number will like this information removed With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, [ insert date of your most recent consumer report ], there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing.

Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly.

Omit the following names as my TRUE name can be verified on my supporting identification : LIST ALL THE INACCURACTE, MISSPELLED, OR NAMES THAT ARE NOT APPLICABLE Omit the following inaccurate addresses : LIST ALL INACCURATE ADDRESSES LISTED Omit the following telephone numbers as none are listed at a public record and I have not consented to its recording : LIST ALL PHONE NUMBERS Omit the following employers LIST ALL EMPLOYERS Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
at this time, I XXXX, the living woman and consumer protected by federal law is writing the request in regards to errors that have not been updated nor deleted off my consumer report. It is a fact that the US DEPARTMENT OF EDUACTIONS XXXX has not proven, validated any facts regarding my written consent given to them or any permissible purpose to report on my consumer report. I NEVER GAVE CONSENT so how can XXXX overturn me the consumers decision, this is a identity theft act and violation. If i did not consent this is in fact identity theft. Pursuant to 15 US code 1681B you MUST HAVE WRITTEN CONSENT FROM THE CONUSUMER.XXXX has been sent by certified mail showing signature confirmation. In addition, Experian continues to verify the information " accurate '' in violation pursuant to 15 US Code 1681AE, verifying information with public sources, family, friends, can not be factual, unless coming from the CONSUMER, XXXX, which in this case HAS NOT. The information needs to be deleted immediately. a Federal Claim is pending for violations under the US Codes and unlieable rights. XXXX IS IN RECEIPT OF DEBT VALIDATION LETTER also requesting the following pursuant to the fdcpa laws of requeting documentation to prove non ill will toward the situation in hopes of correcting thereof. XXXX XXXX wa asked to provide ... .I am requesting the following from [ DEBT COLLECTOR ] : 1.Name and address of alleged creditor. 


2. Name on file of alleged debtor. 



3.Alleged account number or numbers 4.Address on file for alleged debtor. 


5.Amount of alleged debt.

6.Date ( this alleged debt became payable ). 

7.Date of original charge or delinquency. 



8.Was this debt assigned to a debt collector or purchased? 



9. Amount paid if debt was purchased.

10. Commission for debt if collection efforts are successful. 

However they responded with the attachments below, and without nay factual validation or any contract ties to myself and XXXX. We have none. and if so please request the ledgers the on and off ledgers pertaining to this account showing the bookkeeping. as well a any tax forms copies. XXXX can not.

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 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I received a text message from XXXX stating my credit card was charged XXXX. The message said to call XXXX. When i did they had me down an app called Anydesk. They had me go into my XXXX account, had me apply for a credit card then was trying to have me send {$500.00} to XXXX. I then hung up the phone and deleted the app off my phone right away

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 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The account was reported negative on XXXX and Transunion XXXX, XXXX, and XX/XX/2019. My account was paid on time.

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 2022-03-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The account was reported negative on Experian and XXXX XXXX, XXXX, and XX/XX/2019. My account was paid on time.

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 2022-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2007 I went to WAMU at age XXXX to renew my current mortgage and combine the second mortgage i also had with them. I wanted to get my loans in order for my retirement. I explained that I was retiring soon and will be on fixed income and desired a fixed rate loan. I was told that they had a new product that would work perfect for me and agreed to take the loan. They also advised me that I would have to payoff my car and some credit cards, but that it would be better for me. I was told that the loan was a fixed rate product and that I would have an initial period of a variable rate which would allow my payments to be lower at first then convert to a fixed rate with a payment of {$2600.00}. 

I am now XXXX and had my son go through my things to make sure all is good. He has discovered that I am on an interest only loan and my balance is the same as it was 15 years ago. I was never told that i would have a balloon payment at the end of my loan and that I would be interest only for 30 years. I have tried to get answers from Chase with no help. 

We have gone through the paperwork which I had saved, and can not find any legal documents with the note or HUD Settlement statement. I would like Chase to forward me the original XXXX application and the legal note and documents that i had signed at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2022-03-07 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: FL

Complaint narrative:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I made my XXXX mortgage payment like I do every month on the PNC bank website. I clicked on my external account name linked to my personal checking account with wells fargo and clicked pay. In XXXX I went on the PNC website to do the same thing and noticed that my XXXX payment was returned unpaid by my wells fargo. I contacted PNC to see why because I had enough money in my XXXX XXXX checking account to pay that XXXX payment. The PNC rep told me that the account number was wrong. I responded, how could it be wrong I've been making the mortgage payment the same way with the same account since the mortgage started. After numerous phone calls ranging from 45 minutes to 2 hours and 34 minutes, We discovered that someone, we don't know who, entered 3 account numbers, two of which had the incorrect XXXX XXXX account number, and my name was misspelled on three of those accounts. So when I wnet to pay my mortgage, I unknowingly clicked on one of the 2 accounts that had the wrong account number so PNC never got the money. Finally after a 2 hour and 34 minute phone call with 6 different people, PNC and I worked together on line to have the other accounts deleted, and the problem has finally been solved, I requested to have the late fees reversed since I did not enter those incorrect account numbers and the incorrect spelling of my name. On one of the accounts it list my middle initial, which I never ever ever use. They are refusing to credit me the late fees.

I have only two theories...

One, my account was hacked into, which to me makes no sense since they would have nothing to gain but to cause confusion and chaos.

Two, Which makes sense to me ... ..PNC did it themselves to create the {$81.00} late fee. If they do that to just 100 of the thousands of costumers they have, they would create an additional {$8100.00} of revenue to their bank. And it happened to me twice for a total of {$160.00}. That might seem hard to believe by most people but if you've watched enough XXXX XXXX Documentaries like I have, you would know that XXXX  XXXX does this all the time in the name of profit. How the Tobacco companies that lied to the public about the cause of XXXX from cigarettes ', How the chemical companies lied about the XXXX causing agent XXXX, and let us not forget about XXXX XXXX 's predatory loans which I'm sure your agency is well knowledgably about. 

So, in summery, I would like th CFPB to look into PNC Mortgage accounts and to see if there is a pattern of these mystery account names and numbers and any unusually high amounts of late fees they are collecting from their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I never opened a account with capital one I have reached out multiple times explaining the issue and have yet to hear from them then I see that they upload a letter stating that the account was mine because of a address that they are claiming is linked to me but that not true what so ever that address is not linked to me nor is it on my credit report they are lying and falsifying documentation. I am in the process of talking with my lawyer and handling this matter in court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report.

US DEPT. OF EDUCATION/XXXX - {$14000.00} Opened - XX/XX/XXXX ( 10 yrs, 3 mos ) Account status - Open Type - Educational The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of 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 non-monetary relief