vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX XXXX Acct XXXX  Bal {$400.00}, ICS  # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX XXXX {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.

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 2020-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: WY

Complaint narrative:
I requested payoff information for my own mortgage on XX/XX/2020. They sent a reply back stating that the request needed to come from my 3rd party title company. So the title company sent it through. They have had plenty of time to process this claim. However I was supposed to close yesterday XXXX. I went in to close and they informed me the mortgage company hadn't sent any information over. So after hours on hold I finally got ahold of some who promised it would be done by the end of the day, so that I could close on my house today. XXXX XXXX still no paperwork. So after calling several times today I finally get ahold of someone who tells me that the paperwork has yet to be started but we should have it by the end of the day today XXXX. However the buyer is in a time crunch as am I to close. The mortgage company refuses to send me any information or give it to me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TX

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX   XXXX XXXX {$58.00} XXXX XXXX XXXX {$950.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$260.00} XXXX   XXXX {$130.00}

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 2020-04-03 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: TX

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX  XXXX XXXX {$58.00} XXXX XXXX XXXX {$950.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$260.00} XXXX  XXXX {$130.00}

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 2020-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have been in communication with Gateway One Lending regarding this account nothing was ever done payments were recieved. They stopped all communications with me and sold the loan to Santander consumer who have now just listed this account closed however I have over 3 years of lates listed on my credit report from the previous lender when in fact the car was wrongfully repossesed I was never even given the oppurtunity to pay on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My debit card was denied at a local store onXX/XX/XXXX. Upon calling the Bluebird customer service number ( XXXX ) and entering in my account # the system hung up with the message my account was permanently suspended. I then received an email from Bluebird telling me my account was permanently suspended and to write : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX I have written them and not received any response. 

I have {$400.00} in this account and really need access to it. I also have payroll direct deposit to this account. 

I have not been able to talk to anyone in Customer Service to explain to me why this action was taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
A payment to USAA Credit Card was due on XX/XX/XXXX. The grace period to avoid a late fee of {$35.00} was XX/XX/XXXX. We were not able to make the payment until XX/XX/XXXX and by then we would avoid a 30 day late reported to our credit bureau. The attached USAA statement clearly states pay by XX/XX/XXXX. We paid on XX/XX/XXXX as documented and they are saying because it took 2 days to post between XXXX and USAA that it was now 30 days late. USAA suggested we should open an account there and then creditting internally would be on the same day as the payment day. Our bank, XXXX said even though it pended on the XXXX, USAA had their money on the XXXX of XXXX. My purpose of this complaint is that USAA placed a 30 date late on my credit bureau unjustifiably. I am enclosing a copy of the USAA XXXX statement that shows when the payments are due. Note that XXXX 's statement shows a credit for a disputed late fee of {$35.00}, also this statement which followed in XXXX clearly shows that USAA received the payment on the XXXX XXXX, just as required. My bank posted it on our bank statement from pending to posting date XX/XX/XXXX. That's an internal banking thing that has nothing to do with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
I opened a fraud investigation with Discover in XXXX after noticing fraudulent XXXX and XXXX XXXX  charges on my account. I am unable to provide exact dates due to the account being closed, only discover can access that at this point. I am also unable to provide exact amounts because it is multiple charges over a year and a half and I also do not have access to them any longer. Unfortunately I didn't realize them, but despite Discover 's " {$0.00} Fraud Liability Guarantee '' they denied my dispute after their 90 day investigation and charged me interest on the amount that wasn't even on my account during those 90 days. They did this despite insurmountable evidence that these charges were not made by me - most notably that I do not even have an XXXX XXXX  account and the XXXX account I do have I had not even used for three months ( since XX/XX/XXXX XXXX and my payment method is through XXXX and connected to my XXXX  XXXX XXXX debit card. I notified them immediately upon noticing the fraudulent charges but I was told, after them putting the thousands of dollars back on my card in XX/XX/XXXX, that they denied it because they felt that I should have been aware sooner, and that I had seen the XXXX charges ( not making the connection that my XXXX account and XXXX was on my XXXX  debit not my discover credit line ) which allowed for it to go on for another month longer before I made the connection, in which I had paid my discover bill during that time so that makes me guilty?. It is embarrassing enough having not realized I was being taken advantage of and been stolen from for this long but to have my credit card company that has a {$0.00} Fraud Liability Guarantee tell me that I am the one to blame and I have to pay for this thieves rides and dinners is extremely disheartening and the reason me and my entire family will be closing our discover accounts and never using them again. They should not be advertising and gaining business on a {$0.00} Fraud Liability Guarantee if they are going to deny fraud claims that are clearly fraud and high amounts of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

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 2020-04-03 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

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 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
In XX/XX/2019 my mortgage company sold my mortgage to another lender, NewRez. Unfortunately, mortgage companies do this all the time and as the consumer, I have no say in it and can not stop it. I received a letter from the new company, NewRez, stating that they are going to be handling my loan in the future. My payments stayed the same until they re-calculated my escrow. My original lender charged one month escrow. The new mortgage company, NewRez, charges two months escrow to handle the loan. They sent me a bill for {$960.00} and said I have 30 days to pay it or they will foreclose on my house. I tried to call them and explain how it is unfair that they took my loan and is now charging me {$960.00} for buying my loan without my permission. I was told by a supervisor that is what they charge for acquiring my loan and I have to pay it or they will send it to foreclosure. After paying the {$960.00}, my House payment which has stayed the same over the past 10 years increased. NewRez stated that I have the option to refinance with another company if I wanted to get out of it. In order to do that, I would have to pay refinancing charges, etc. It is obvious that NewRez is taking over loans and charging a fee calling it extra month of escrow so that they can foreclose on your house and take your house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Approximately XX/XX/XXXX I requested that Experian to verify accounts on the report regarding myself according to FCRA, Section 609 ( a ) ( 1 ) ( A ). They responded to my request stated that the accounts were all verified, however they never provided the means by which my account was verified, who verified that account, and physical verification of the original signed consumer contract. In all, I have contacted them via certified mail four times asking to have accounts verified properly. They are willfully refusing to do so and have subjected me to economic hardship due to their actions. 
Dates contacted via certified mail are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All times they " verified '' accounts, but submitted no proof of verification.

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 2020-04-03 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: SC

Complaint narrative:
I called XXXX  XXXX XXXX and asked for them to remove my late payments from 2014 due to negligence from a third party company who was supposed to have a " proven program '' to eliminate or reduce monthly student loan payments. I also learned that the company was fraudulent and doing basic income driven repayment plans that anyone could do. I paid less than {$50.00} a year for them to do this but learned from the news coverage they were cheating the wealthier out of thousands a month. All my account have exceptional payment history and this company has scared my credit report and I have been back and forth between XXXX XXXX XXXX as well as the credit bureaus and they are both telling me that it is the other responsibility to update the files. I am lost at this point with no resolution and no way to go from here. I thank you for your assistance and any help that you can offer.

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 2020-04-03 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: SC

Complaint narrative:
I called XXXX  XXXX XXXX and asked for them to remove my late payments from 2014 due to negligence from a third party company who was supposed to have a " proven program '' to eliminate or reduce monthly student loan payments. I also learned that the company was fraudulent and doing basic income driven repayment plans that anyone could do. I paid less than {$50.00} a year for them to do this but learned from the news coverage they were cheating the wealthier out of thousands a month. All my account have exceptional payment history and this company has scared my credit report and I have been back and forth between XXXX XXXX XXXX as well as the credit bureaus and they are both telling me that it is the other responsibility to update the files. I am lost at this point with no resolution and no way to go from here. I thank you for your assistance and any help that you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I called XXXX  XXXX XXXX and asked for them to remove my late payments from 2014 due to negligence from a third party company who was supposed to have a " proven program '' to eliminate or reduce monthly student loan payments. I also learned that the company was fraudulent and doing basic income driven repayment plans that anyone could do. I paid less than {$50.00} a year for them to do this but learned from the news coverage they were cheating the wealthier out of thousands a month. All my account have exceptional payment history and this company has scared my credit report and I have been back and forth between XXXX XXXX XXXX as well as the credit bureaus and they are both telling me that it is the other responsibility to update the files. I am lost at this point with no resolution and no way to go from here. I thank you for your assistance and any help that you can offer.

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