vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
Dear Sir or Madam, I write to you with great distress that SLS did not act in good faith in their Fiduciary responsibility but have done an outright FRAUD, taking advantage of the COVID Crisis. 

I was greatly disturbed by the COVD Crisis and based on the common knowledge available in the various Media outlet, decided to talk to SLS, who were holders of the Mortgage. It was almost the end of XX/XX/2020. 

However, I was unable to talk to their representative to get more information about the options available to me. And their website directed to write to them on their website. 

Anyways, the payments were done to them in full and in time. 

They service the Mortgage of XXXX and XXXX XXXX. 

They deliberately showed that payments were not made in XX/XX/2020 ( which was already done, and the first contact about COVD was made in XXXX, so it had to be credited ). 

Then again they showed payments made in XX/XX/2020. 

Again they did not report the payments made in XX/XX/2020 My Broker Agent was absolutely shocked by their outright fraud. As per the rules of XXXX and XXXX XXXX, no new mortgage would have been issued, if any non-payment showed. 

They deliberately showed non-payments in mycredit history, despite getting full payments and in time. 

The addressis : Specialized Loan Servicing LLC XXXX. XXXX  XXXX XXXX, CO XXXX They need to pay a penalty for their wrong behavior and make amendments to my Credit Report and show the payments were made in Full and in Time. 

With the low mortgagerates, I plan to refine my mortgage and theirdeviousactions have put things in a bad situation for me. 

Aso this deliberately deviant and malicious harmful activity shouldbe reported to the authorities. 

Thanks. 

Very Upset MortageHolder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Was not aware that I missed payment for two months at the time. I had 10 credit cards. Tried to work with them but they wouldnt take of delinquency so I closed card after paying balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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:
These items attached are showing on my repost that is not mine. I've been referred to this site as a last resort to clear these things up because it's effecting my credibility to by my new home. Please see attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for an XXXX credit card today XX/XX/20 and I was not approved because apparently there are some accounts reflecting badly on my credit report. I looked into those accounts more and I realized that those accounts are not mine. I did not open any of them and I have never shared my personal information with anyone such as my ID, social security number or anything else. I did not benefit anything from these accounts nor did I make any payments towards any of that debt. I have never had any account/loan with any of the companies listed on this report. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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:
These items attached are showing on my repost that is not mine. I've been referred to this site as a last resort to clear these things up because it's effecting my credibility to by my new home. Please see attached letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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:
These items attached are showing on my repost that is not mine. I've been referred to this site as a last resort to clear these things up because it's effecting my credibility to by my new home. Please see attached letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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 applied for an XXXX credit card today XX/XX/20 and I was not approved because apparently there are some accounts reflecting badly on my credit report. I looked into those accounts more and I realized that those accounts are not mine. I did not open any of them and I have never shared my personal information with anyone such as my ID, social security number or anything else. I did not benefit anything from these accounts nor did I make any payments towards any of that debt. I have never had any account/loan with any of the companies listed on this report. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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 applied for an XXXX credit card today XX/XX/20 and I was not approved because apparently there are some accounts reflecting badly on my credit report. I looked into those accounts more and I realized that those accounts are not mine. I did not open any of them and I have never shared my personal information with anyone such as my ID, social security number or anything else. I did not benefit anything from these accounts nor did I make any payments towards any of that debt. I have never had any account/loan with any of the companies listed on this report. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TN

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Starting on XX/XX/XXXX, multiple unauthorized ACH withdrawals were made from my Wells Fargo checking account to a XXXX XXXX brokerage account in my name. I reason that the only way that could be possible is if my identity were stolen, so I froze my credit. I had my phone stolen in XXXX, and filed a police report with XXXX PD about the theft, so that could have been the source of the identity theft. My computer also could have gotten infected with a keylogger that led to the theft. 

The specific dates and amounts in question are : {$5000.00} XX/XX/20 {$25000.00} XX/XX/20 {$4800.00} XX/XX/20 {$750.00} XX/XX/20 {$15000.00} XX/XX/20 {$5500.00} XX/XX/20 {$1600.00} XX/XX/20 {$1900.00} XX/XX/20 {$6000.00} XX/XX/20 {$4600.00} XX/XX/20 {$5400.00} XX/XX/20 {$9000.00} XX/XX/20 {$2900.00} XX/XX/20 {$3000.00} XX/XX/20 Prior to these withdrawals, there were deposits into my account from an account with a different name from mine that I did not authorize. I suspect that my Wells Fargo account was being used as a funnel to move money to the thief. 

I did not realize the transactions immediately because I do not check my balance often, and my balance fluctuates due to recurring preauthorized transactions and direct deposits. I was never notified about these transactions by Wells Fargo even though this is extremely unusual behavior for my account -- I never make large ACH withdrawals. 

I noticed the unauthorized transactions on XX/XX/XXXX after receiving an " insufficient funds '' notification a few days prior to that, and was confused as to how I could have insufficient funds. I filed a claim on XX/XX/XXXX ( well within the time period permitted by Regulation E ) by calling Wells Fargo and noting unauthorized transactions on my account. 

The investigator assigned to the claim denied the claim on XX/XX/XXXX. She took issue with the fact that I logged into my Wells Fargo account in the time period after the ACH transactions were made and claimed that I would have noticed the funds missing. She also thought it was suspicious that funds were deposited to cover the withdrawals, even though those deposits came from an account that isn't in my name. 

My understanding of Reg E is that I don't need to be a perfect customer who checks all of their transactions every day -- I have a busy life and do not have the time to note every transaction. I reported the unauthorized withdrawals within the 60 day period, as soon as I noticed them, and I should be entitled to receive the considerable sum that was stolen from me. The investigator was unfair in her assessment of the situation and seemed to focus on what I should have done, not what I was required by law to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX. 
Company Inquiries 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 2020-05-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX. 
Company Inquiries 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 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Robinson, Reagan and Young PLLC
State: TN

Complaint narrative:
On XX/XX/2020 I attempted to validate the debt by Raegan, Robinson and Young via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Call Nationstar mortgage company about the CARES act during Covid 19 pandemic. Was told that my mortgage didnt qualify for pandemic relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE.THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT FILE. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: MD

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX/XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  ACCT XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
A coalition of 34 attorneys general led by Illinois Attorney General XXXX XXXX, announced on XX/XX/XXXX, a settlement with Santander Consumer USA Inc. ( Santander ) that includes approximately {$550.00} XXXX in relief for consumers with even more relief in additional deficiency waivers expected. The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. 

The XX/XX/XXXX settlement stems from a multistate investigation of Santanders subprime lending practices. In XX/XX/XXXX, the Illinois Attorney Generals office led the coalition in opening the investigation into the largest subprime auto financing company in the country after receiving an increase in consumer complaints related to subprime auto loans. 

Based on the multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. 

Under the settlement, Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. I am a customer of this company and I am not happy about this. I seriously want out of this loan if they can do that. I am tired of the high interest rates as well. and they are not reporting my balance correctly to the credit reporting agencies. and they are reporting it as past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX. 
Company Inquiries 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 2020-05-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX. 
Company Inquiries 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