vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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:
FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. Company failed to give notice or reason why this account is late, then reporting negative things on my account, why is that? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DEPT OF EDUCATION/XXXX  XXXX {$23000.00} XX/XX/2018 DEPT OF EDUCATION/XXXX  XXXX {$9100.00} < -- -- Please see attached documents, accounts are NEVER LATE also INACCURATE DATA placed on my report, either XXXX or the Creditor is DAMAGING report! -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On or about XX/XX/2020 I called in to Experian to remove a freeze from my report. In the process of taking that action I became aware that Experian had allowed fraudulent activity by way of allowing a fraudulent membership account to be open. 

It started with the gentleman that I was speaking with about a freeze on my credit file informing me I had an account. I realized I couldve opened a free account at some point in the past but I no longer had the login credentials. So he did the verification questions with me ( and honestly they were pretty lame questions ) and then sent me a user ID. 

This User ID was not something I wouldve ever used. That user ID was XXXX - Sothat then prompted me to call in to Experian again. I escalated call to a supervisor who was completely un-sympathetic and stated that since they were able to pass the verification questions they were able to open an account. EVEN THOUGHtheir first clue shouldve been that the name was over 30 years old. The person opened it under my former married name of XXXX XXXX. The only remedy they would offer me was to close the account and put a fraud alert on my files. It does not matter to them that they allowed someone access to my credit file. They also show absolutely no concern whatsoever and insist that is my only remedy. 

Just to be sure I called back today - XX/XX/2020 - and thought perhaps it was just that person that I talked to previously who just didnt want to help. Today I first spoke to XXXX  who was front line member support. She was cooperative in getting me through to a supervisor. The supervisors name is XXXX or XXXX ( not sure of spelling ) who is a Supervisor for Member Services ( that is the only designating factor to identify her that she would give ). XXXX stated the same thing. There is no remedy and had same attitude of we dont care that we compromised your data and was also completely apathetic when I mentioned their first clue shouldve been the name. She said something to the effect that the name was on my report ( again notwithstanding that it was my former married name - again from over 30 years ago ) and so because the name was on the file they didnt question it. 

She also insisted that she is the highest level of escalation available. I dont buy that but shes being an obstinate and uncaring gate-keeper. 

P.S. I am sending in identifying information so that I can now have an account open in my name, which hopefully will prevent future issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: HI

Complaint narrative:
I am a XXXX  mother and recent widow. I was on an affordable housing wait list in our community. In XXXX my credit was pulled Trans Union XXXX XXXX ( XXXX  ) and approved and we were put on the move in list. We packed our entire house and we were calling weekly for a move in Date. In XX/XX/XXXX I received an alert that my credit had been pulled again via Trans Union XXXX XXXX ( XXXX  ) and I also received an email the same day that we had now been moved into denied status with ( XXXX  Housing ) affordable housing. After reteaching and receiving a copy of my Tenant screening report, I saw that they showed 2 eviction filings under my name. One of which was not in the state I live in. I disputed with them and told them I have never had any evictions and I've only lived at my current address in XXXX Hawaii since XXXX. This is a terrible situation to be in because I have been taken off the waitlist for affordable housing and lost our unit. We had already given notice at our current property. We are at risk of XXXX. I expected the items to be removed after the dispute but I just heard back from trans union XXXX XXXX  that they show one as a dismissal in Hawaii and the one from Florida is still on my report. I don't know what to do because I cant get any information from a state XXXX miles away where I don't live. I believe my name could have been used and this could be identity theft ( fraud ). I have never had an eviction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XXXX XXXX, 2020, Transunion reported to Bank of America that my credit score was XXXX. At that time, Bank of America was considering closing two of my credit card accounts. 

Ultimately, they did decide to close those accounts, and their letter states that they used that XXXX score " in taking the above action. '' However, by all accounts, including their representatives on the phone, my credit score has never been that low, especially on or around that date. 

In fact, from XX/XX/XXXX XXXX, it was at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
On XXXX XXXX a trial loan modification agreement was signed. On XXXX XXXX a letter was received requesting one final payment to complete the trial modification. Several attempts were made to contact Selene to address the situation and issue was never resolved by any representatives. Please see attached documents for detail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been rebuilding credit and Working in my credit for the past 3 years trying to clean it up to get a mortgage. Ive tried to work with creditors and tried to work with reporting agencies to the point I just cry and want to physically die. All they can tell me is these old accounts that have been on my account their are no new negative marks and my score continues to yo-yo Ive paid off collections, started new accounts paid them off charged and paid. Ive tried disputing, nothing helps. I recently logged in to my equifax to see a 92 point drop in my score. No explanation, I called spoke with reps and no explanation besides the old accounts that have been charged off accounts that were opened in XX/XX/XXXXand XX/XX/XXXXI truly understand why people commit suicide over their finances. Ive asked what can I do and the response is keep paying wait 7 years. Ive waited 10 for a bankruptcy to come off Ive been continuously working n my credit but theirs no relief and all I want is a mortgage so I can stop paying the sky rocketing rents where I live but Im just a number to everyone Ive spoken too. When did we forget their is a person behind the number. My life has had struggles and my credit reflects so but their is no relief NOTHING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been rebuilding credit and Working in my credit for the past 3 years trying to clean it up to get a mortgage. Ive tried to work with creditors and tried to work with reporting agencies to the point I just cry and want to physically die. All they can tell me is these old accounts that have been on my account their are no new negative marks and my score continues to yo-yo Ive paid off collections, started new accounts paid them off charged and paid. Ive tried disputing, nothing helps. I recently logged in to my equifax to see a 92 point drop in my score. No explanation, I called spoke with reps and no explanation besides the old accounts that have been charged off accounts that were opened in XXXX and XXXX. I truly understand why people commit suicide over their finances. Ive asked what can I do and the response is keep paying wait 7 years. Ive waited 10 for a bankruptcy to come off Ive been continuously working n my credit but theirs no relief and all I want is a mortgage so I can stop paying the sky rocketing rents where I live but Im just a number to everyone Ive spoken too. When did we forget their is a person behind the number. My life has had struggles and my credit reflects so but their is no relief NOTHING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: LA

Complaint narrative:
On XX/XX/2020 I contacted Afni Inc via certified mail regarding two violations they made. The bill was in the amount of {$1000.00} therefor I sent them an invoice in the amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
NewRez/Shellpoint Mortgage XXXX XXXX Compliance Dept Complaint Case # XXXX To whom it may concern : I submitted a complaint against NewRez LLC d/b/a Shellpoint Mortgage Servicing in XXXX of this year because Shellpoint persistently has falsely stated I owed hazard insurance coverage and thus late fees. 
Newrez responded to the complaint by admitting ( letter attached ) that I had hazards insurance and they falsey without caused purchased extra insurance. In this letter, NewRez also admitted that no overdue fees should be in my account. However, since the letter, my mortgage statement has a overdue payment of {$790.00}. There shouldnt be any overdue payment since the matter was rectified by them. 
This is in violations of the Real Estate Settlement Procedures Act and breach of contract or estoppel, in that NewRez incorrectly charging me mortgage fees and then failed to properly investigate and remedy the error. I tried calling customer service but only get rude and unprofessional agents who refuse to provide their full names. 
I do not owe any overdue fees. This issue has effected by credit rating and adding unnecessary stress. 
Im requesting that NewRez either fix the error or explain the fees. NewRez acknowledged the receipt of the notice of error but failed to remove the {$790.00} fee.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am really bothered how this account appeared in my report. The fact that they did not provide any document to support the validity and truthfulness of this account is very questionable to me. As I see the report there are a lot of inaccuracies in dates and in payment history. I am asking for you help to get rid of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Called CapitalOne to downgrade/product change to the VentureOne credit card from my current Venture card ( annual fee {$95.00} ). When I asked to change the product to an annual fee free card, I was told that there no offers available to me but that they could POSSIBLY give me a fee waver next XXXX when the annual fee rolls around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
Exeter Finance is sending me emails related to one of their account holders " XXXX XXXX '' - I am not XXXX XXXX and do not know any XXXX XXXX. 

I emailed them. I also called them. When I tried to explain this to the account representative, he advised that they can not delete my email from their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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:
FCRA Violation. XXXX/XXXX  XXXX Why is this information verified as accurate deleted and they left 5 remaining on my account that does not belong to me? Explain. See document attached -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- - ADDRESS DOES NOT BELONG TO ME. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX/XXXX  XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX  XXXX XXXX XX/XX/2017 XXXX/XXXX  XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 < -- -- XXXX ACCOUNT REMAINING ON MY REPORT 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
Consumer complaint received 2020-12-02 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:
FCRA Violation. XXXX/XXXX XXXX Why is this information verified as accurate deleted and they left 5 remaining on my account that does not belong to me? Explain. See document attached -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- - ADDRESS DOES NOT BELONG TO ME. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX/XXXX  XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX  XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX XXXX XXXXXXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 < -- -- 5 ACCOUNT REMAINING ON MY REPORT DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC
State: LA

Complaint narrative:
On XX/XX/2020 I contacted Elevate Recoveries LLC via certified mail regarding two violations they have made. The bill was in the amount of {$730.00}, therefor I sent them a invoice in the amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
A final judgement for Dissolution of Marriage between XXXX XXXX XXXX and XXXX XXXX XXXX was issued on XX/XX/2012 in Case Number - XXXX XXXX. Please visit XXXX XXXX XXXX  for a copy of the court document. The Community Loan Servicing in the amount of {$150000.00} is outstanding debt related to the marital home. Per the final judgement, the marital home was awarded and deeded to XXXX XXXX XXXX AND is 100 % financially responsible for all of the mortgage payments, insurance, taxes, and all associated debts related to the marital home. She was also ordered to remove my name from all mortgages and financial obligations related to the marital home by XXXX XXXX, 2012 OR put the marital home up for sale. According to Florida law, the Mortgage Note and the Warranty Deed are ( 2 ) separate legal instruments, independent of each other. I believe Community Loan Servicing and XXXX Home Lending, the lenders, breached Florida contract laws implied covenant of good faith and fair dealing by modifying a mortgage contract without my signature and still hold me financially responsible. I hereby dispute this account as she has modified the loan in her name as single and unmarried AND it is still reporting on my credit as Ms. XXXX is currently in contempt of court for failing to remove me from the mortgage or dispose of the property in a timely manner. This lender, having knowledge of the final judgement based on the loan modification, is still reporting on my credit profile which is a direct violation of the Fair Credit Reporting Act in my opinion. The Banks knew the terms of the final judgement and modified the loan instead of refinancing it. The bank had the opportunity to refinance or let her assume the mortgage based on the same terms of the modification since it is based on her income and credit as well. As per the court order she is 100 % financially responsible for the debts related to the marital home. A copy of the Deed to the property and proof of the loan modification can be found at the website listed below. XXXX XXXX XXXX ( Acclaim Official Records )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: MI

Complaint narrative:
While waiting for my unemployment, I was laid off due to COVID. 
I called the company to arrange a later payment due to the pandemic. They understood and agreed. I have since paid everything up. This is my only late EVER on anything and I can't believe this was put on to my credit report. 
I checked my credit today, and I have a late on my report. I want this removed.

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