vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY NAME PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT 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 2020-12-14 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, 700 CREDITXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed a retainer agreement with law firm for loss mitigation on 1st mortgage with bank of America and second mortgage with XXXX XXXX XXXX. Both first and second mortgage financed through countrywide mortgage between XXXX and XXXX. During the financial crisis of XXXX, we applied for loan modification with bank of America. Per bank of America they would not modify the second mortgage until the first was modified. The bank insisted that until we are behind on the first and second, they would not consider us for modification. 
Subsequently we were behind on the first and the second and reapplied. Unfortunately, our mortgages were not modified even though bank insisted that it was modified. our interest rates on both mortgages was and is still at 6.5 %. We are current on the 1st mortgage and defaulted on the second. In XX/XX/XXXX bank of America offered us a settlement of between {$75000.00} and {$78000.00} on the second, unfortunately we did not have the cash and in XX/XX/XXXX the second mortgage was transferred to XXXX  XXXX XXXX. 
The above information was shared with XXXX XXXX law and the offered to assist. 
Total payments made to the Law firm to-date {$3100.00} as follows : XX/XX/XXXX {$490.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$1500.00} I requested for document submitted on my behalf from the banks and the QWR and they neither responded or even acknowledged my several attempts to receive the requested documents. 

Furthermore, because of the high interest of 6.5 % we are still paying on the 1st mortgage, Bank of America is not interested in modification of the 1st mortgage. We are stuck at this time. This has been ongoing since XXXX with no solution in sight.

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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX All companies which I have accounts in my name that were all due to fraud.

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 2020-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: HI

Complaint narrative:
My mortgage company, Flagstar Mortgage, has not paid my hurricane insurance. My insurance was cancelled XX/XX/2020. They withheld the insurance each month and they were supposed to pay it thru the escrow account. They cut the check on XXXX XXXX but it did not arrive according to my insurance company. I was following up with my insurance company since XX/XX/2020 because this has happened in the past with Flagstar. My insurance is still not paid and I have not had hurricane insurance since XX/XX/2020. I have talked to numerous people at Flagstar and they said the check must have been lost and they had to wait to ensure the check did not get cashed before they reissued. Then they said that the check was returned to them and they would have to reissue. Not true! They finally reissued on XX/XX/XXXX but the check has still not reached my insurance company. I had applied approximately two years ago to be able to pay my own insurance as they have messed up the payments before but Flagstar denied my request. So they take my money and don't pay my insurance and my insurance is cancelled. I have spoken to numerous individuals at Flagstar and they are rude and have even hung up on me and they have lied to me. One individual was trying to help me. Her name is XXXX. She was in on several calls that I made to various supervisors and can witness that they were rude and not helpful at all. I am concerned that they have a pattern of taking advantage of veterans and using the escrow funds for other bills and then don't pay the insurance.

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 2020-12-14 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: CORELOGIC INC
State: IL

Complaint narrative:
I RECIEVED MY REPORT FROM CREDO CORELOGIC AND DISCOVERED FRAUDULENT NAMES AND ADDRESSES ON XX/XX/2020

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 2020-12-14 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, EQUIFAX MORTGAGE SERVI add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITIBANK NA add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer

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 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Medical Administrators, Inc
State: PA

Complaint narrative:
To whom it may concern sometime in XX/XX/2020 I ordered on line a product called XXXX XXXX XXXX just for $ XXXX for shipping only and I received one tiny bottle and after that did not receive anything after 13 days I did call to cancel seems like did not recorded ( as scam ) and all of a sudden I received at {$200.00} something from the collection agency Im trying to solve this problem they said u committed but this is on line scam probably they do that to everybody. So please contact me perhaps a lot of victims out there like this matter. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: NY

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : Account Name : XXXX XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY 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 2020-12-14 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: NY

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, Texas XXXXXXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, PA 1XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : Account Name : XXXX XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WI

Complaint narrative:
On XX/XX/2020 I inquired with AmeriSave loan officer XXXX XXXX Loan Originator NMLS ID # XXXX about rates for a refinance of my home. After discovering that the rate we discussed would not be locked in, I was told to fill out an online application online with XXXX on the phone. After the first page, I was told the system would not go any further unless I paid {$500.00} with a credit card for an application fee. I said I was very uncomfortable because they would not lock in the rate. XXXX said I would get my application fee returned if I decided against it or the rates changed. I paid the {$500.00}. Feeling extremely uncomfortable and pressured, later that day on XX/XX/XXXX ( the same day ), I sent an email to XXXX XXXX and AmeriSave Customer Service to cancel the loan application # XXXX. I sent another email XX/XX/XXXX inquiring about the return of the {$500.00} fee. XXXX said his boss processed the fee earlier that week. I again inquired about the return of the {$500.00} fee on XXXX warning them that I would submit this complaint. XXXX again assured me the {$500.00} would be returned. It is XX/XX/2020 since cancelling on XX/XX/2020 and I have not received any returned funds.

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 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a Child Support ENF/ Attorney General on my report that was paid and should have never been on my report as owing {$51000.00}. Things had been paid in full and should have NEVER BEEN ON FILE! Account # 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 2020-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: IA

Complaint narrative:
In XXXX & XXXX I disputed these 2 accounts that this creditor has placed on my XXXX credit file on numerous occasions & XXXX has sent me mail stating that the accounts were verified. Also I reached out to the creditor via USPS Certified mail asking them to validate the debt that they claim I owe them. I also keep getting alerts of them re-aging the date that the accounts in question were opened which is a serious FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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:
This is a follow up to closed complaint XXXX TransUnion was to have removed a derogatory account from my credit report as I had documentation from the agency stating as such. 

Now, all of a sudden, my credit score with Trans Union has dropped by 47 points. That makes absolutely no sense to me. If they successfully removed / deleted a derogatory account, I should not have had a 47 point drop. 

I would appreciate this being dug into as I highly suspect the deletion of this account was done incorrectly on the Trans Union side

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 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I recently viewed my credit and noticed a collection agency, ( Convergent Outsourcing, Inc. ) from XXXX for {$1500.00}. I contacted XXXX and they have no information on me after I requested documents/contract that was signed. I do not recall this account, as I was going to make a police report I was told by the officer that I need to show them proof of validation on what is being reported under my social but Convergent Outsourcing and XXXX seem to now have anything, according to the agency the account was opened on XX/XX/2016. I was a victim of identity theft a few years ago and was reported to IRS as someone was trying to claim me as a dependent.

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 2020-12-14 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:
I'M STILL HAVING ISSUES GETTING THESE ACCOUNTS REPORTING ON MY CREDIT REPORT REMOVED THAT ARE DUE TO IDENTITY THEFT.

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 2020-12-14 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:
I'M STILL HAVING ISSUES GETTING THESE ACCOUNTS REPORTING ON MY CREDIT REPORT REMOVED THAT ARE DUE TO IDENTITY THEFT.

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 2020-12-14 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'M STILL HAVING ISSUES GETTING THESE ACCOUNTS REPORTING ON MY CREDIT REPORT REMOVED THAT ARE DUE TO IDENTITY THEFT.

Company response to consumer: Closed with explanation