vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX SSN : XXXX Can you please remove the extended fraud alert off of my account. I did not want this on my account in the first place. Please remove it off of my account and DO NOT re-add it. 

Thank you! 

See attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a XXXX XXXX XXXX XXXX XXXX  credit card on today Tuesday, XX/XX/2020. It was documented that I was not assigned the best interest rate that they offered because of my XXXX Credit Score as per Experian. I have not had any success getting through with either Email ( www.experian.com ), or by toll free telephone XXXX. 

I can not make a human connection.

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
Consumer complaint received 2020-06-10 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request for debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police report, FTC Report, and Affidavit.

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 2020-06-10 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: MN

Complaint narrative:
An account on my XXXX  credit report was disputed but I have not received the results of the dispute/investigation. The account number listed is XXXX and a balance of {$300.00}, with no other identifying information. This information is not valid and making it difficult to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX ACCESSED XXXX ACCOUNT See attatched XXXX letter XX/XX/XXXX Requesting VERIFCATION WITH ORIGINAL SIGNATURE OR DELETED IMMEDIATELY TO NO AVAIL.see attatched proof of delivery XXXX Thurs XX/XX/XXXX. See attatched XXXX  Credit Reports XX/XX/XXXX. ( Opened. XXXX XX/XX/XXXX ) Report Confirms ussa Account XXXX Kindly Note the Grey Background Hiding Account Numbers & XX/XX/XXXX ( opened. XXXX XX/XX/XXXX ) Credit Report Confirms usaa Account XXXX Kindly Note Grey Background we can Barely See Account Numbers. I believe this is done BECAUSE THE ACCOUNT NUMBERS CHANGE??? USAA & XXXXTtogether Create this Fraud. I AM REPORTING WHAT I BELIEVE TO BE A CRIME. THIS IS NOT FAIR CREDIT These two Companies Collaborate Together Against Cinsumers. This is no error. Next see attatched USAA DOCUMENTATION CONFIRMING NUMEROUS DIFFERENT ACCOUNT NUMBERS ending 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX all previously sent to XXXX. I DEMAND XXXX PROVIDE DRS LICENSES FOR EACH ACCOUNT AND SIGNATURE AUTHORIZING VERIFICATION I OPENED OR DELETE IMMEDIATELY. XXXX  & USAA have ruiened my credit for years. XXXX  covers up for USAA Clearly XXXX  would have noticed the two accounts changing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request for debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police report, FTC Report, and Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request for debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police report, FTC Report, and Affidavit.

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 2020-06-10 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: GA

Complaint narrative:
I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : 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 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 2020-06-10 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: GA

Complaint narrative:
I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXXXXXX  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 XXXXXXXX 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 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Two weeks ago I called my mortgage company asking if they can waived my late fee ( for the month of XX/XX/2020 ) as my husband was on furloughed from his job since XX/XX/2020 due to COVID-19 and now was laid-off from work ; I was only delayed for few days of my payment not that I wasn't paying the required mortgage ; today ( XX/XX/2020 ), I received a letter from the company that my request has been denied ; it has been mandated by law to give consideration for those that has been affected by this health pandemic but this company seems has no mercy or consideration with their clients and for this I am filing this complaint ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: FL

Complaint narrative:
XXXX XXXX ACCESSED XXXX ACCOUNT See attatched Experian letter XX/XX/XXXX Requesting VERIFCATION WITH ORIGINAL SIGNATURE OR DELETED IMMEDIATELY TO NO AVAIL.see attatched proof of delivery XXXX Thurs XX/XX/XXXX. See attatched Experian Credit Reports XX/XX/XXXX. ( Opened. XXXX XX/XX/XXXX ) Report Confirms XXXX Account XXXX Kindly Note the Grey Background Hiding Account Numbers & XX/XX/XXXX ( opened. XXXX XX/XX/XXXX ) Credit Report Confirms XXXX Account XXXX Kindly Note Grey Background we can Barely See Account Numbers. I believe this is done BECAUSE THE ACCOUNT NUMBERS CHANGE??? XXXX & ExperianTtogether Create this Fraud. I AM REPORTING WHAT I BELIEVE TO BE A CRIME. THIS IS NOT FAIR CREDIT These two Companies Collaborate Together Against Cinsumers. This is no error. Next see attatched XXXX DOCUMENTATION CONFIRMING NUMEROUS DIFFERENT ACCOUNT NUMBERS ending 1 ) XXXX 2 ) XXXX 3 ) XXXX XXXX ) XXXX all previously sent to Experian. I DEMAND EXPERIAN PROVIDE DRS LICENSES FOR EACH ACCOUNT AND SIGNATURE AUTHORIZING VERIFICATION I OPENED OR DELETE IMMEDIATELY. Experian & XXXX have ruiened my credit for years. Experian covers up for XXXX Clearly Experian would have noticed the two accounts changing.

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 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
On XX/XX/XXXX I refinanced my primary residence. This transaction paid off the existing mortgage with Ditech in the amount of {$120.00}, XXXX [ document available but not included due to personal content ]. At the time of this transaction there was {$4500.00} in escrow with Ditech. On XX/XX/XXXX at closing the new mortgage company paid XXXX property taxes in full {$4000.00}. 

XX/XX/XXXX XXXX XXXX XXXX XXXX received a payment for full taxes by Ditech. 

XX/XX/XXXX I received a check for XXXX from Ditech as the balance of escrow [ document included ]. 

XX/XX/XXXX I called Ditech and talked with XXXX. XXXX stated that the reimbursement was already in process and would be complete on XX/XX/XXXX. 

XX/XX/XXXX I called Ditech to see if the action had been completed and was told XXXX was the scheduled date. 

XX/XX/XXXX I called XXXX XXXX who reported that the reimbursement was made on the XXXX. Printed copy of XXXX XXXX Tax Statement indicates two payments were received one on XX/XX/XXXX and one on XX/XX/XXXX. It also shows one reimbursement on XX/XX/XXXX. This is included in the documentation. 

XX/XX/XXXX I received documents saying my load had been paid in full with Ditech. Cover letter included in documents. 

XX/XX/XXXX I received original loan documents from Ditech. Cover letter included in documents. 

XX/XX/XXXX received tax document FORM 1098 dated XX/XX/XXXX with Taxes Paid {$4000.00} document included. 
XX/XX/XXXX I called Ditech only to be told it would be 10-20 days before I would see my check. 

XX/XX/XXXX I called Ditech twice only to be hung up on. 

XX/XX/XXXX I called Ditech there is no record of my account. 

XX/XX/XXXX I contacted our mortgage broker explained the situation and asked for assistance and advice. He explained Ditech had been sold to XXXX and to call the new company. 

XX/XX/XXXX I called Ditech where I spoke to manager XXXX who was going to investigate this situation and call me back. I told him that I would wait on hold and he told me no he would call me back. 

XX/XX/XXXX I called Ditech their phone was disconnected. 

XX/XX/XXXX, XXXX, XXXX, and XXXX I called XXXX. XXXX is an umbrella company for three mortgage companies and you can not proceed through the phone tree without a NewRes account number. Personal contact is not available. 

XX/XX/XXXX I contacted XXXX XXXX, Real Estate Attorney. XXXX said this is really unusual and I needed to file a complaint through the Consumer Finance Board and he could not help 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 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
We have brought our account current after a few months of late due to loss of employment and then a XXXX diagnosis. the account has not been updated with the bureaus since XX/XX/XXXX. We were told they began using a new computer system and that is the reason for delay. The information on my husbands account does not reflect the same as my account on the bureaus. After speaking with the escalation team XXXX ( manager ) in XX/XX/XXXX, he confirmed the account was in fact reported incorrectly and that they would need 30 days to update. It has been 180 Days since any reporting to the bureaus.

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 2020-06-10 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: NJ

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 XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police Report, FTC Report, and Affidavit.

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