vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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: MO

Complaint narrative:
XXXX and Transunion are not researching and properly reporting that the following accounts are in fact in dispute. XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) The  collection account listed is reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.

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 2020-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: WI

Complaint narrative:
I was offered a loan by Prosper with a low APR, had a hard inquiry on my report generated ... and I was denied a loan before I was able to upload supporting documents, all within 2 hours - online. I believe the lead generation practices of Prosper.com are misleading and result in damaging the credit worthiness of prospective customers. The adverse action emails generated by Prosper.com are intentionally meaningless and not indicative of what information was used to deny the application. 

On the website XXXX, I was offered a 'pre-approved ' loan product from Prosper.com at a lower rate than several of my credit cards. This looked like a good deal for a debt consolidation loan. I applied for a loan from Prosper through the XXXX website at the amount and rate indicated on the CreditKarma site. While I was uploading documents to verify my identity and income to Prosper, my loan application was denied. The email I received stated : " Your loan request has been cancelled for the following reason ( s ) : Unable to verify identity, employment, credit history, income or other information on the application. '' Just before receiving this information, I got an email indicating that : " Congratulations, your application for a {$25000.00} loan at X.XX %  APR is almost done! But, first we need your help providing a bit more information '' I had not had time to upload documents before the application was denied. The documents I would have uploaded would have demonstrated significant income and assets. 

The application resulted in hard inquiry to my credit that will have an adverse effect on my credit. The company ( Prosper ) indicated it was impossible to remove this inquiry.

The adverse action letter I received from Prosper did not provide any meaningful information and the representative I talked to from Prosper indicated that because they do not want to expose any information about their proprietary risk model Prosper makes their adverse action letters as generic and meaningless as possible.

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 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
I want to complain about Freedom Mortgage. 
I am a cosigner on my daughter 's mortgage. She had some extenuating circumstances that put her behind on her payments. So I called to make the payment that I received in the mail of the default amount. I gave my routing number and account number. I got a confirmation number and watched my account for it to be drawn. 3 days later it hadn't drawn so I called again and got a runaround that there had been a problem and i was put on hold while they " took care of '' the problem. I was told that it now had just posted. 13 days later it still hadn't posted so I have talked to 3 different agents. Was hung up on by one who didn't want to post my payment to the original date that I made the payment. 
They had told me that my credit union had returned the request. I visited the credit union branch manager today who went through my account and said that there had never been a request for the ACH payment. 
I called my daughter and she told me that they have terrible customer service and that she has gotten a runaround every time she has called them. The comments on " XXXX  '' online are terrible as well. 
The fifth call after 2 weeks I finally got XXXX teller # XXXX who was very helpful and seemed like she has it together. Now I'm just waiting to see if the payment goes through. 

Another interesting thing is that the delinquent amount I got in the letter was a totally different amount than the amount I paid. Seems their letters pad the amount owed.

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 2020-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
My parents have been declared XXXX, I have been made their legal guardian by the court. I am to assume control of all their assets both financial and personal as well as handle all medical decisions etc. I have been attempting to manage their XXXX  account Since XX/XX/XXXX of this year. I have submitted all the requested forms at least twice, mailed court supplied documents on two occasions and spoken to numerous customer service representatives. No one returns my calls at this point, they send me a vague message via the website telling me supply further documentation. My parents have all their retirement tied up in XXXX, with the volatile market I have had not had any access to any of these accounts to make any adjustments or in any way protect their remaining assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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:
SOMEONE USED MY SOCIAL SECURITY NUMBER TO APPLY FOR SEVERAL FRAUDULENT ACCOUNTS THAT I DID NOT GIVE PERMISSION TO THEY STOLE MY INFORMATION ANF OPEN FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-07-20 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 file a depute on XXXX to your company XXXX for incorrect information reporting on my credit report which you fail to investigate in the 30 day time frame by law you are required to respond which means the invalid information must be deleted from my credit report Im demanding you delete this inaccurate information immediately! A 30 day none respond letter dated XXXX was also sent please take care of this issue immediately! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: TX

Complaint narrative:
I file a depute on XXXX to your company XXXX for incorrect information reporting on my credit report which you fail to investigate in the 30 day time frame by law you are required to respond which means the invalid information must be deleted from my credit report Im demanding you delete this inaccurate information immediately! A 30 day none respond letter dated XXXX was also sent please take care of this issue immediately! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Toyota Financial Services reported my account as closed when the loan was paid in full. This has caused a decrease in my credit score rather than an increase. I attempted to resolve this matter with TFS but they insist on reporting the account as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have received repeated calls from this company. When I pick up the line is quiet and they go directly to talking to me and asking personal questions. When I ask if it is being recorded, they disclose this then, after the fact. 

I was contacted in this manner this morning ( XXXX XXXX by XXXX with IQ Data International from number XXXX ) She did not tell me I was being recorded. I repeated told her I did not want to be contacted and she did not acknowledge this whatsoever. She accused me of being rude for speaking over her because I did not want to be recorded without consent. 

I was contacted on XXXX on XX/XX/XXXX and the call was ignored. 

I was contacted on XX/XX/XXXX at XXXX and I informed them then I do not authorize them to call me or record me. 

I have had several other calls that I have not logged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: NV

Complaint narrative:
When Covid hit my wife and I looked into mortgage payment deferral with XXXX XXXX. She was temporary out of work. But we did not sign up for it! We continued making out payments and discovered we had Forbearance on our credit from XXXX XXXX. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!!

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 2020-07-20 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: MS

Complaint narrative:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
This debt of {$100.00} is not my bill. This debt was bought by another debt collector XXXX XXXX XXXX XXXX in XXXX, VA. This was reported to my credit bureau again after it was removed and disputed. This was disputed and taken off my credit report by XXXX   when the last debt collector had the account. Now I am being harassed again. The supposed creditor was XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX. I do not owe them a bill. I have not done business with this company. I do not owe the debt please provide validation of the debt with my signature. I have not agreed to any services or signed a contact with the supposed creditor. I want a copy of the signed agreement ASAP. If I am not provided with a copy of the signed agreement I will be contacting an attorney. I believe this fraud and this is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 two unwarranted transactions took place on CashApp account. These transactions were requested by XXXX XXXX for {$2500.00} and XXXX XXXX for {$940.00}. I do not know either of these people. I requested a refund the same day. I have yet received any funds. I also attempted to contact Cash.App customer support by phone. XXXX XXXX, who answered and presented himself as a support agent with CashApp, told me to open CashApp and directed me to accept the transactions. He requested my bank card number and connected to my phone with XXXX XXXX. He used that information to take an additional {$1000.00} from my bank account, then erased my phone number, email address and transaction history from my CashApp account. I am retired and live on a fixed income. I don't know how I'm going to pay next months rent or buy medicine. Please refund my money ASAP. If you any questions, please feel free to contact me. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2020-07-20 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:
SOMEONE USED MY SOCIAL SECURITY NUMBER TO APPLY FOR SEVERAL FRAUDULENT ACCOUNTS THAT I DID NOT GIVE PERMISSION TO THEY STOLE MY INFORMATION ANF OPEN FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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:
SOMEONE USED MY SOCIAL SECURITY NUMBER TO APPLY FOR SEVERAL FRAUDULENT ACCOUNTS THAT I DID NOT GIVE PERMISSION TO THEY STOLE MY INFORMATION ANF OPEN FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
I recently refinanced my home mortgage with XXXX XXXX  XXXX, and my new loan funded on XX/XX/XXXX. I called my new servicer, The Money Source, Inc. ( TMS ) on XX/XX/XXXX, and asked that my property taxes ( $ XXXXmo ) be removed from my monthly payments, and to have my escrow account balance ( {$380.00} ) refunded to me. My property taxes are the only item going into the escrow account, and I want to pay them directly myself. TMS told me that it would take XXXX business days to complete my request. When nothing happened, I called TMS again on XX/XX/XXXX, and they told me that my request was in process, and would take another 24/48 hours to complete. Today is XX/XX/XXXX, the request remains unfulfilled, and I have not heard from TMS since calling them on XX/XX/XXXX. I am submitting this complaint because at this point, I am doubtful that they are actually processing my request. I am attaching the monthly billing statement I currently see when I log into my TMS account, confirming that my request has still not been processed. 

In summary : I would like property taxes ( $ XXXX ) removed from my monthly payment, and I would like the balance of my escrow account ( {$380.00} ) refunded to me. My current monthly payment is {$1500.00}, and my new monthly payment ( due XXXX ) should be {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
Bayview loans .I 'm closing on my apt XXXX XXXX XXXX.Bayview reassure me that I Wouldn't t be reported to the credit bureaus for a late payment! when the coop apt is being paided off on the XXXX XXXX XXXX.Please reach out to Bayview and have it corrected, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: Rent Recovery Solutions
State: MO

Complaint narrative:
I applied for XXXX XXXX, I received denial from XXXX XXXX. I believe the items denying are accounts that I have paid in full within the last 5-6mths. I have receipts/copies of payments! Debt from XXXX XXXX paid in full through Rent Recovery who held debt. Also, paid off XXXX bill. And XXXX debt originally for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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:
MY INFORMATION WAS USED WITHOUT MY KNOWLEDGE AND CONSENT SOMONE STOLE IDENTITY AND OPEN SEVERAL FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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