vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
ON XX/XX/2020, I SENT A LETTER TO EACH OF THE BUREAUS ( TRANSUNION, XXXX, AND XXXX ) DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT AND HAVEN'T RECEIVE ANYTHING THUS FAR.I ALSO ATTACH COPIES OF THE LETTERS BELOW.

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 2020-09-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted the required documentation to Equifax on XX/XX/XXXX, the package was sent priority mail USPS, the tracking number is XXXX which shows delivered on the XXXX of XXXX. Today I received a letter from Equifax stating to send the same pieces of identification, after previously sending my social security card, driver license, and passport. I need the consumer finance to intervene and ensure the data is accurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX XXXX XXXX XXXX charged off an auto loan which became delinquent due to deceptive practices. In XX/XX/XXXX the creditor, XXXX XXXX XXXX, sent me a 1099-c document of Debt Cancellation/Forgiveness of the account. They have since continued reporting the account as a Charge Off instead of accurately reporting the account as Cancelled/ Forgiven. I have contacted the creditor and the credit bureaus and they each refuse to update the account to reflect accurately as a cancelled/forgiven debt or complete removal.

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 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
The US Bank had handled my refinance in error, it made me mentally upset, especially when i saw the loan term 30 years ( my final signing documents was 20 years ), i went to see the mortgage officer of US Bank and asked them to correct it for me but they didn't do it, they had checked with the escore too. 
The bank kept going to sent me the 30 years loan terms to ask me to pay for it. i had to borrow the money from my relative to pay for it until i get the new job. The 20 years and 30 years term, there is a big different, i have to pay over 150k for the whole loan. i can not sleep well ( upset ) every night after covid-19.

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 2020-09-28 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
Incorrect information on credit report, wrong names, social security number is wrong, address, contact information is incorrect, employment is incorrect as well. 

please remove all the incorrect information as followed : Names : - XXXX XXXX XXXX PLEASE REMOVE INCORRECT SOCIAL SECURITY # : / XXXX PLEASE REMOVE INCORRECT PHONE NUMBERS : XXXX, XXXX XXXX, XXXX XXXX PLEASE REMOVE INCORRECT EMPLOYERS : XXXX, XXXX XXXX, XXXX XXXX  XXXX  PLEASE REMOVE INCORRECT ADDRESSES : - XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX, TX XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX # XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX, TN XXXX XXXX PLEASE REMOVE INCORRECT ACCOUNTS : XXXX  XXXX XXXX  : XXXX XXXX/ XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX  XXXX : XXXX XXXX : XXXX XXXX   XXXX  : XXXX XXXX  XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Incorrect information on credit report, wrong names, social security number is wrong, address, contact information is incorrect, employment is incorrect as well. 

please remove all the incorrect information as followed : Names : - XXXX XXXX XXXX PLEASE REMOVE INCORRECT SOCIAL SECURITY # : / XXXX PLEASE REMOVE INCORRECT PHONE NUMBERS : XXXX, XXXX XXXX, XXXX XXXX PLEASE REMOVE INCORRECT EMPLOYERS : XXXX, XXXX XXXX, INTERENAL REVENUE SERVICE PLEASE REMOVE INCORRECT ADDRESSES : - XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX, TX XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - XXXX REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX # XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX, TN XXXX XXXX PLEASE REMOVE INCORRECT ACCOUNTS : XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX   : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
my loan was sold to NewRez. I paid my XXXX payment on the XXXX of XXXX but sent it to the wrong servicer. NewRez has two companies that service the loans they buy. XXXX and Shellpoint. I sent the payment to Shellpoint but it should have gone to XXXX. Shellpoint did not forward the payment to XXXX and has not returned my {$1700.00}. 

Shellpoint has admitted they have my money after I sent them proof that they received the payment through XXXX XXXX  by check, they have not returned my {$1700.00}. 

Now some confusion comes in because there are 3 people on title. Although the statement only has room for 2, my name is not reflected on the statements. But I am the managing partner and I deal with all the payments. 

At this point in time, I am at a loss of what to do. Maybe if the CFPB gets involved, it will force them to return my money. 

Please advise, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: PA

Complaint narrative:
These inquries need to be removed, these are unauthorized XXXX/XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XXXX  XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XXXX/2020 TRANSUNION XXXX XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 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 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: WI

Complaint narrative:
XX/XX/XXXX. Amount {$270.00}. Back in XXXX I was put into collections with XXXX XXXX XXXX for a bill that started out over {$300.00}. I don't remember what collections company I was paying back in XXXX but I made around 5 or 6 payments. When I went to make another they informed me my account showed XXXX owed. I wanted to make sure it was true. So I called XXXX they informed me on their end it showed it was payed off. It was NEVER showed on my credit. Since XXXX I've had a XXXX  bought a house and got XXXX. Now ALMOST 5 years later. I got a letter from a place in North Carolina. stating I owe money. I called XXXX and they said NOW it shows I owe {$270.00}. I stated to the lady it was PAID back in XXXX according to the collections company and YOU guys. Apparently they now have a new Collections company and it's showing I owe. This is ridiculous! This is nearly 5 years old and told by both them and the collections back in XXXX everything was good. And now it randomly says I still owe!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On our about XX/XX/2020 I paid off the balance of my auto loan with TD Auto Finance ( about {$13000.00}, payoff letter is included in attachments ). On XX/XX/2020 I received the payoff letter ( attached ). On XX/XX/2020 my automatic car loan payment set up through my checking account bank ( XXXX ) posted to my account ( I forgot to turn off the automatic payments!!! This payment is shown in the attached bank statement ). On or about XX/XX/2020 I called TD Auto Finance and was assured that TD Auto Finance would issue me a refund check. On or about XX/XX/2020 I called to check on the status of the refund check and was told that the payment never cleared XXXX it did XXXX. I called back the same day and gave TD Bank the transaction number from XXXX XXXX. I was then told that that information would be sent to their refund department for processing. I called back on or about XX/XX/2020 and was told that the refund check had been mailed on XXXX XXXX, 2020. I called back for status on XX/XX/2020 and was told their refund department was backed up and the check would be mailed on XXXX XXXX, 2020. Still having not received the refund check, I called TD Auto Finance on XX/XX/2020 and was told that the automatic payment never cleared ( it did and has never been refunded ). I acknowledge that it is my fault that I forgot to turn off my automatic payments, but why has it taken almost two months to get me my money back?? I have contacted a consumer protection lawyer and am preparing to file a lawsuit. This is my last ditch effort to get my {$500.00} back before the filing of the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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:
I'm A Victim of Identity Theft someone has gotten hold to my Identity and use my Personal Information to open Accounts that I did not Authorize

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 2020-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
Had trouble at a earlier time after loosing job. Was allowed to make loan current through a reassessing process. My escrow wasn't made current through this process and I only recently found out that it wasn't part of the $ XXXX monthly. Someone in escrow department decided it was a smart idea to make my combined payment over $ 1000 monthly when it was determined I was marginal at the time of the reassessment for being qualified for this help. Now Umpqua Bank is taking my $ XXXX  monthly payment, not allowing my mortgage to be paid and and holding monthly payment in limbo. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX umpqua bank XXXX # XXXX umpqua bank XXXX Box XXXX XXXX, WA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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:
I'm A Victim of Identity Theft someone has gotten hold to my Identity and use my Personal Information to open Accounts that I did not Authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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:
I'm A Victim of Identity Theft someone has gotten hold to my Identity and use my Personal Information to open Accounts that I did not Authorize

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 2020-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I received a notice in the mail dated XX/XX/2020 from Wakefield and Associates, Inc, stating that I had a balance of {$1200.00} owed to XXXX XXXX XXXX XXXX. I contacted this company and they verified, I do not have any balance with them. I never owed any money to this establishment to begin with, nor was I ever contacted by XXXX XXXX XXXX XXXX! I did call Wakefield and Associates to speak about this notice, when asked to provide their license number, the man who called himself, " XXXX '' did not give me this information. When asked to confirm the name of the business and address, he was unable to fully give me the address of this business as stated on the letter I received in the mail. He then asked for my date of birth and other sensitive information such as my last 4 digits of my social security number! Definitely did not disclose that information with him over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX shows a balance of {$2300.00} The same balance has been added back to my profile for this account that has been settled - AGAIN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
On XX/XX/2020 ( see attached letter ) Exhibit XXXX XXXX XXXX transfers to Shell point mortgage servicing. 
XXXX XXXX has no servicing rights. How can XXXX XXXX fraudulently transfer any servicing rights that they dont own?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
ON XX/XX/2020, I SENT A LETTER TO EACH OF THE BUREAUS ( XXXX, EQUIFAX, AND XXXX ) DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT AND HAVEN'T RECEIVE ANYTHING THUS FAR.I ALSO ATTACH COPIES OF THE LETTERS BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
ON XX/XX/2020, I SENT A LETTER TO EACH OF THE BUREAUS ( XXXX, XXXX, AND EXPERIAN ) DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT AND HAVEN'T RECEIVE ANYTHING THUS FAR.I ALSO ATTACH COPIES OF THE LETTERS BELOW.

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 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
This bank has shut down my account and my childrens accounts beginning the evening of XX/XX/2020 for what they felt was fraudulent activity. I immediately called and informed them that the activity was my own and nothing fraudulent. They claim there was nothing they could do. It is now XX/XX/XXXX and my account is still locked out. I do not have access to any money whatsoever, creating a financial hardship for me. Their advocacy advisor XXXX XXXX does not return my calls. Their XXXX  team does not respond. The bank claims there is no way to reach their own fraud department to immediately turn my account back on. This is uncalled for and punitive to treat a customer this way.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation