vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: CA

Complaint narrative:
In XX/XX/2020 a company in which I am a XXXX XXXX XXXX, XXXX XXXX XXXX, borrowed funds under three separate mortgages from XXXX XXXX XXXX to purchase properties at XXXX, XXXX and XXXX XXXX XXXX XXXX in XXXX   XXXX, Colorado. Subsequently we were advised that you had taken over these mortgages. 

In XXXX I noticed that these loans appeared on my personal credit report, even though the loans are in the name of XXXX XXXX XXXX and title to the properties is in the name of XXXX XXXX XXXX. I called and spoke with a gentleman who said he would get it taken care of. Two of these loans appear on my XXXX  and XXXX  report, and three of them on my Transunion report. I have spoken to the company several times and sent a letter explaining the situation but the company is not fixing the problem.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2020 a company in which I am a XXXX XXXX XXXX, XXXX XXXX XXXX, borrowed funds under three separate mortgages from XXXX XXXX  XXXX to purchase properties at XXXX, XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX, Colorado. Subsequently we were advised that you had taken over these mortgages. 

In XXXX I noticed that these loans appeared on my personal credit report, even though the loans are in the name of XXXX XXXX XXXX and title to the properties is in the name of XXXX XXXX XXXX. I called and spoke with a gentleman who said he would get it taken care of. Two of these loans appear on my Experian and XXXX report, and three of them on my XXXX report. I have spoken to the company several times and sent a letter explaining the situation but the company is not fixing the problem.

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 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: VA

Complaint narrative:
Hello, This is XXXX. I have an account with Remitly with the user id - XXXX. On XX/XX/2020, there were two fraudulent transactions for XXXX $ and XXXX $ to a person named XXXX XXXX. Though I have used Remitly earlier, I have used to send it to my own account in XXXX. This recipient was new. I have not added it. I do not know this person and this was a fraud transaction. I reached out to the customer service via chat. I was expecting a resolution. However, now I see that my Remitly account is blocked. They said that the fraud department will reach out to me but to this date it has not happened. And, I tried to reach out XXXX  XXXX XXXX from where the money was deducted and they too are not able to help. During these COVID times, I lost my job and this was the money in my account for meeting the needs of my family. Please I beg you to help me. 

I can prove that it is a fraud transaction. On XX/XX/2020, I received XXXX spam messages on the XXXX that was used in Remitly and XXXX  XXXX XXXX accounts. It was to hide the fact that money was sent from my account. I am the victim here. Please help me. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following accounts and inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against 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 2020-05-21 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following accounts and inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against 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 non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I tried to make a payment but it was a glitch in the computer and it had me being late and i paid my card down to 3 % and im still current as of now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
They release info to an ex girlfriend Ive asked them for a signed contract they told me they dont have to show me anything they threatened ex girlfriend and keep calling even though she told them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
For the first five year of this mortgage, I had an automatic deposit in place with my bank. I paid on time every month during that time period. On XX/XX/XXXX, my bank sent the mortgage co. a check which they did not record as received although it appeared on my bank statement as paid. On XX/XX/XXXX, my bank sent the mortgage co. a check which they returned. I checked my records and sent them a letter and paid my mortgage again. 
Unbeknowst to me, they had cancelled my automatic payment, therefore, on XX/XX/XXXX, they did not receive a check. By the time, I received a late payment statement, and requested a copy of their records, it was the end of the month. I recocilled my records with theirs, found their errors and sent them a detailed letter of what needed to be done with corroborating documents. I also sent the a check for XXXX and XXXX payments. They received them on XX/XX/XXXX. They corrected their errors but sent a notice to the credit reporting company that I paid late and it damaged my credit score which had been XXXX. I maintain that their errors cause confusion with my account and although I had tried to rectify their errors and make prompt payments, they refuse to correct my credit report. I find their actions to be unfair as it was their mistakes, not mine, that caused the problems.

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 2020-05-21 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: GA

Complaint narrative:
Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this issue however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My accounts With my Bank of America Visa and my Bank of America MasterCard were both Hacked Money was withdrawn through my accounts deposited into my checking accounts and withdrawn these were done through cash advances that I did not make and then withdrawn from ATM machines one balance is {$13000.00} Dollars that includes interest and late fees and the Other is {$7000.00} I have notified the bank multiple times of this they Did investigation and declared that Ive benefited from this multiple Times information was put in wrong by the bank one time saying that this was Not my account that I opened another time saying that everything will be fixed and they will take care of this and they give a one time courtesy because Ive always made my my payments on time and were always current and that I never had any issues prior then I stay on the phone for hours being transferred around to different operators they were not documenting things properly I have disputed this probably about 10 times received one letter saying everything was fixed but then they come after me again. they have sent it to collections they close the accounts saying that I disputed And customer does not agree with decision I went from XXXX credit score to a XXXX I pay all my credit cards on time I do carry Balances but I make my payments on time. Then they discovered that they processed everything wrong that shouldve gone through my debit card accounts XXXX discovered this almost 2 years later thought everything was resolved and then I get a notice from an attorney that we were going to dispute in court. This is going on now for years he has been mentally affecting me And caused XXXX Im still battling it and get sick all the time I have gone to the bank its self in the customer service in the bank Its self and they have tried to help me with the credit card companies keep handling it wrong and still have not cleared the debt.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/20 I tried to access my credit report from Experian. I could not access due to information that didn't match their system. I call Experian on XX/XX/20 to resolve the issue and was told that I needed to wait 24 hours and call them back. I called back today on XX/XX/20, 24 hours later just to be told that I need to wait 72 hours instead. After being transferred to a dispute department, the rep asked me for my pin, which I do not have. They said it was provided to me when I froze my credit report. Which was many months ago. I lost it and could not locate it. I was denied credit from a lending bank due to the credit score being XXXX. My other two credit scores from XXXX and XXXX  were at XXXX and XXXX. After spending hours on the phone with Experian, they said they can send me the report via email which will take 10 days. I told them that it is illegal to withhold my credit report. I could not access it online to check the discrepancy that may be on there. There is no possible way that my credit report from Experian can be XXXX points different. I could not access the report and had to beg for them to send it to me overnight. It shouldn't have cost me {$20.00} to receive my credit report. This was illegal for them not to release my credit report online. The information I provided to them on the phone matched somehow but online it did not. Please look into this and investigate this matter as this was an illegal action done by Experian. Due expeiran I was denied a loan.

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 2020-05-21 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: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Paid Of my PennyMac loan. Took weeks to show on credit report as paid off. 
Added 3 late payments to credit report which did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
There was a change in Server of my mortgage from XXXX to New Rez, XXXX had transfer what they had in the Escrow Account to New Rez. XXXX XXXX was collecting per month {$420.00} up until XXXX XXXX and I was paying the same amount to New Rez for that escrow calendar year, which amount to {$5000.00} for that year. I had notice there was same type of problem that was going in the pass, where the Insurance Company was writing policy that was fraudulent, what they was doing adding their values to my dwelling, personal property to increase the values of the policy for more money for that year. I had call the for Policy Service the Producer of the policy for XX/XX/XXXX to XXXX XXXX to change those value and she refuse to do so. I told that person then I was going cancel that policy, and I call her on Friday of that week, I had to her on Monday it was XXXX XXXX, but I had call her back the next day an told her cancel that policy. But that policy was paid for before I had received and revue that declaration from XXXX XXXX. XXXX XXXX premium had cost {$4000.00} and the other insurance cost was {$2500.00} with State tax was was {$1600.00} had came to a total of {$4100.00} from {$5000.00} there was a surplus of {$850.00}. I was sent a check for only {$340.00} and {$510.00} was with held from me. I was inform the remaining sum was place in a Cushion account. Which there was never such an account in sixteen years of my loan. I feel their action was base on me telling that Escrow Department they had no rights to purchase a policy for me before I had review the declaration an cancel it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Built Homes LLC
State: TX

Complaint narrative:
On XX/XX/XXXX a mortgage agreement was made for {$190000.00} between myself and United Built Homes, L.L.C as both the lender and the seller of a home in XXXX XXXX, TX. In this agreement no prepayment penalty was disclosed. A simultaneous agreement was entered to build the aforementioned home that included the seller providing a proper survey and permitting according to local law and jurisdictions ( XXXX XXXX ). This loan agreement at 6.97 % is well above the current market interest rate. Beginning in early XX/XX/XXXX, I have been attempting to refinance the mortgage with United Built Homes L.L.C. I can not refinance my mortgage into a more suitable interest rate because United Built Homes L.L.C refuses to provide a proper survey and permitting ( that is owed to me according to my original agreement ) that will allow me obtain an address for the home and thus allow another lender to provide a mortgage. Not only is the home unlivable, but United Built refuses to allow me to refinance out of their mortgage. 

When raising my concern with the mortgage servicing department, the associate refused to escalate my situation to the Office of the President much less his manager and advised I must pay the mortgage and it's my responsibility to figure out a way to refinance ; before hanging up on me. I have also requested reimbursement for the interest expense that I have occurred due to the lenders mistakes and lack of response to fix the issue. This too was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 applied for an XXXX credit card a few weeks ago and I was not approved instantly but I didn't think anything of it, now today XX/XX/20 I got a letter in the mail saying that the reason that they could not approve me for their credit card is because there are negative accounts or loans on my credit. I didnt know what accounts they were talking about because none of my loans/credit cards have ever been late or in negative standing. I looked through my credit report and I saw more than ten accounts on my report that are not mine. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I don't know who opened these accounts in my name without my permission but I have already filed a police report. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I ever make any payments towards those accounts. I don't have a contract or relationship with any of the companies I listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
On XX/XX/2020, a major hail storm severely damaged our home. An insurance claim was filed that night. The Adjuster came to inspect the home on XX/XX/XXXX. He sent us the report on XX/XX/XXXX. We received the check that weekend. 

The following week, we contacted Movement Mortgage, asking them to endorse the check, as their name was also on it. They refused to endorse it. They verbally told us the insurance company could write a new check just to the homeowners, but they would not put this in writing, so the insurance company could not do anything. 

One of Movement Mortgages managers called us and instead of speaking to us professionally, was incredibly rude and spoke down to us. He ended up hanging up the phone on us. 

The next Monday, we called Movement Mortgages Regional Director, but instead of calling us back himself, he had another Manager call us. He still refused to sign the check and claimed he couldnt because it was over $ XXXX. He couldnt give a reason other than its policy. 

He kept pushing it off on to XXXX, who was set to take over the servicing of the loan. While he did pay for the check to be overnighted to XXXX, we are no closer to having our house repaired. 

Our house has been sitting with holes in it for 2.5 weeks, and XXXX is now saying it will be a total of 3.5 weeks before they even know if their Processing Department has the check ( that we overnighted ). XXXX refuses to expedite the process. 

Meanwhile, our house continues to sit without repairs being done even though our contractor is ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
Promise to remove inquiries off of XXXX And failed to do so. They recommended that I wrote each company and challenge the inquiries. They refuse to close my account. Every time I try to submit a claim they locked me out of my account. And no representative answers the phone to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
My wife 's credit report reflects totally wrong information. Her XXXX credit report shows that the last two years of her mortgage have been submitted late. 
This is totally incorrect, and she has kept the Certified Mail receipt/overnight mail delivery to prove this assetion. 
This wrong information has now cost her to be denied a {>= $1,000,000} EIDL Loan from the SBA. 
This Financing/Mortgage company has even acted in disregard of a Judge 's signed Court order

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CA

Complaint narrative:
Paid Of my XXXX loan. Took weeks to show on credit report as paid off. 
Added 3 late payments to credit report which did not happen.

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