vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 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: TX

Complaint narrative:
Greetings, I am requesting that all the credit bureaus be updated with the correct balance. I received a notification from XXXX XXXX  that the account went up to {$880.00} on XX/XX/XXXX. My online balance reflects {$5600.00}. I called XXXX 's and the auto-recording stated the same amount. I spoke with a live agent on XX/XX/XXXX and they gave the same balance. I've disputed this thru the credit bureaus ( last month ) and they updated it before with the correct amount. I've included pages from my XXXX  and XXXX  dated XX/XX/XXXX, reflecting the correct amount. The following are screenshots from the notification and increase balance. I want the correct amount to reflect on all three bureaus at your earliest convenience. Please confirm that you have received this email. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX ( in the email I sent I provided updated screenshots ) The company responded : We received a request concerning your account ending in XXXX. We report to the credit bureaus every month on the last day of the month. Your account assesses interest on the account as well. We last updated your account on XX/XX/XXXX with the credit bureaus. Per review of the attached information, this report was pulled on XX/XX/XXXX which would not include our most recent update. XXXX 's XXXX  XXXX  XXXX. 
I wrote back : Interest does not accrue that high within days, {$880.00} is not a correct number. Please look further into my case and reply with accurate numbers. I want this corrected immediately because today is XX/XX/XXXX and that is only days from XX/XX/XXXX. 
They are showing a higher balance than when is reporting under my account when I log into the 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 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I submitted an application on XX/XX/2020 for an auto loan at XXXX XXXX XXXX XXXX and a notice was sent out that they denied me on XX/XX/2020. On XX/XX/2020, there was another application submitted without my knowledge with also my stepmothers name and information on it and a notice was sent out on XX/XX/2020. I am trying to figure out how another application was submitted with both of our information on it and I repeat I have no knowledge of this and my stepmother says she also have no knowledge of this. I also have the documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc
State: CO

Complaint narrative:
I see an entry on my credit report from XXXX XXXX XXXX in regards to a Collection account past due from Flexshopper LLC. I have never done business with Flexshopper nor have I done business with XXXX XXXX XXXX. Also the address they are saying the person who took the account out lives ate XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never lived at that address. That address on XXXX earth shows up as a hotel not a single family address. I have lived in XXXX  XXXX for the pass 10 year and before that I lived in XXXX  XXXX. I have no clue why this account is on my recorded unless someone sole my Id. I have tried to call XXXX XXXX XXXX and keep getting directed to leave my phone number and name for them to get back to me. I feel that this complain is a scam and refuse to give them my number. Also when I checked my credit report it showed that I have never payed them any money and now it shows that {$28.00} has been payed. I did not pay them and would not ever pay them. I tried to deal with XXXXXXXXXXXX  to have this removed from my credit report and they only come back with Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
I do not understand how they can do this when I have never done any business with ether of the companies in any shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I inquired about a pamphlet I received in the mail stating I could lower my mortgage payment or pay my mortgage off years earlier by switching to Loan Depot. A representative, XXXX XXXX, started my application ( SSN, DOB, Address, Income, etc. ) and preapproved me for some rates that were better than what I currently have. I informed him that I was interested and he ran my credit. He then asked me for an application fee of {$22.00} to which I declined. I let him know that although I was interested, I want to reach out to a few other companies and get quotes from them as well as this was my first quote. I inquired about a loan estimate which he declined to provide and stated that it would be provided once I paid the fee and agreed to his terms. This seems like a violation of federal law and contacted my current mortgage company to confirm. After requesting a loan estimate multiple times via text, XXXX informed me that " this is not how I do business. '' I never received a quote from Loan Depot and their customer service is beyond irritating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: OK

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. 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 2021-08-05 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: Alpha Recovery Corp
State: TX

Complaint narrative:
XXXX XXXX  XXXX  has not removed themselves off my credit XXXX XXXX  has removed the original collection and now another collection company is bothering me via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: MA

Complaint narrative:
SNSC MORTGAGE failed to send auction notice to correct adresses to all parties Failed to process the loan modification application submitted well before the auction Provided them proof of funds to reinstate the loan .Denied to accept reinstatement went off to auction, even though provided them proof of funds for the reinstatement.

1 : Auction notices were not served or sent to us. Auction was defective 2 : Loan modification application is still pending 3 : reinstatement denied, provided them proof of funding to cover reinstatement amount.

SNSN deceit us. we believe auction processes was defective.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
This is not my account please remove it fr my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The below are the credit inquires as reported by my credit monitoring service. Please remove these as I did not consent to them. 

XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX/XXXX  XXXX/Personal  XX/XX/XXXX TransUnion XXXX XXXX  Bank  XX/XX/XXXX TransUnion

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 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I am trying to sell my property. There was a lis pendens placed on the title in the name of XXXX XXXX XXXX. When i called XXXX they provided me with a copy of their lien release and stated that when rushmore bought the mortgage from them that they never notifiied XXXX  that the loan was paid since it was bought by rushmore.,. This is part of the email i got from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX collection company has not removed themselves off my credit XXXXXXXX XXXX has removed the original collection and now another collection company is bothering me via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Monarch Recovery Holdings, Inc.
State: TX

Complaint narrative:
XXXX collection company has not removed themselves off my credit XXXX XXXX has removed the original collection and now another collection company is bothering me via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover said, they froze my account and rejected my direct deposit there for I called the NYS dept of Labor and they said they did not get a rejection what so ever. I called Discover on Tues, wens, Thursday and today Thursday they said they rejected my payment the dept of labor did not receive a rejection they said if they did they would re process the payment but since there was no rejection. I have no funds in my account and they did not want to provide me with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: PA

Complaint narrative:
3 accounts for XXXX XXXX XXXX ( XXXX ) appeared on Transunion credit report ... .I have never had this service ... .I have contacted Transunion twice as well as XXXX via mail and XXXX ... ... I have yet to hear back from XXXX ... how is Transunion verifying these accts? If they are not responding to me they are not responding to Transunion either ... there has yet to be a comment added that these accounts are in dispute on my report ... I am 100 % sure that they are not conducting proper investigations as required by 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 2021-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I have a loan with WESTLAKE FIN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I applied for a refinance with Citizens bank on XX/XX/XXXX. XXXX, XXXX XXXX was my agent who I worked with. I refinanced because I needed money for an Hvac system. 
We worked on a loan that would help me get the money I needed. The loan was supposed to return my original escrow balance to me. The new escrow would be added to the loan amount. XXXX put in the loan that the old escrow was not to be rolled over into the new loan. 
I went through the entire process under the assumption the money was coming my way. On XX/XX/XXXX I received my final disclosure statement. Everything looked ok to me. The numbers were a bit lower but I was told that was because the initial estimate was high and that I didn't have to pay for appraisal and a few other things. The closing agent ( XXXX XXXX ) came to my house a few days later to sign all papers. 
I asked when signing if I was going to get the money from original escrow. I was told yes, anything in my old escrow would come to me. We went through the signing the paperwork packet. Nowhere in the packet did it say anything about the escrow being rolled into the new loan.

Two weeks go by and I still don't have the old escrow money. I reached out to XXXX on XX/XX/XXXX and he replied that it rolled into the new loan and I wasn't going to get it. I was shocked, the whole point of the loan was to get the money. We went back and forth with emails amounting to him telling me there was nothing that they could do. He then offered me to open a line of credit. I found this shady as to why I would possible open another loan when they got the first one wrong. 
During our exchange he sent me an email with an attached fax that showed the money was to be rolled over into the new account. The fax was dated XX/XX/XXXX. It was the first time I had seen the document. It was not faxed to me because I do not have a fax number. It was not emailed to me or I would have nixed the loan. It was not in my closing packet at the time I signed or again I would have nixed the loan. And finally it was not in the packet that was given to me after closing. 
Also XXXX told me that the loan was already sold to another company which I found hard to believe. As it turns out it was sold to to XXXX XXXX but not until XX/XX/XXXX, over a month after what he told me. 
I feel like this was deliberately done to get me to open a second loan with Citizens bank. On top of it they should have made it right instead of telling me your out of luck. 

I have attached to final disclosure, the fax and page I never received that would have stopped the loan, and the pre closing document. I have the emails if you need them. 
Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
a debt was discharged in bankruptcy and long since past the Statute of Limitations, yet Ally bank is holding the title of my XXXX XXXX XXXX and not willing to release it until they illegally connect approximately {$620.00}. They refuse to release the title and have been very unwilling to discuss the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is regarding account # XXXX, which you claim, I owe [ {$120.00} or my account was charged off {$120.00} ]. This is a formal notice that your claim is disputed. acount # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This letter is regarding XXXX account # XXXX, which you claim, I owe [ {$2800.00} or my account was charged off {$2800.00} ]. This is a formal notice that your claim is disputed. 
XXXX XXXX  account # XXXX, which you claim, I owe [ {$3400.00} or my account was charged off {$3400.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

XXXX XXXX XXXX account # XXXX, which you claim, I owe [ {$8900.00} or my account was charged off {$8900.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$1400.00} or my account was charged off {$1400.00} ]. This is a formal notice that your claim is disputed. 

XXXX XXXX  XXXX account # XXXX, which you claim, I owe [ {$1000.00} or my account was charged off {$1000.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$2100.00} or my account was charged off {$2100.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

XXXX XXXX account # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 













I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.
Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act (
including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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