vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX/DOFED XXXX XXXX/DOFED 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 2020-08-06 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX/DOFED XXXX XXXX/DOFED 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 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Affiliates Management Company
State: PR

Complaint narrative:
During a routine credit application, I learned that there is an outstanding default judgment from XXXX in XXXX in the amount of {$4200.00} filed by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I did not live in XXXX XXXX in XXXX. I moved to XXXX XXXX in XXXX and sold the house in XXXX XXXX. 
The lawsuit shows service performed at my old XXXX address, four years after I moved away. I was never served, never given a chance to respond to suit, and never made aware there was a default judgment. Now this is harming my ability to get credit. XXXX XXXX claims to have no knowledge of who holds this default judgment and XXXX XXXX XXXX was purchased by Co-Op Financial services. Co-op Financial Services also claims to have no knowledge of this judgment.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-06 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am sick of XXXX  and dealing with their incompetent representatives and asinine online portal. Every time I upload documents on XXXX website and call XXXX  to verify documents, they always state that the documents are not viewable. I have even paid for certified mail to be delivered to XXXX  address so that they can remove and block these fraudulent account. 

I do believe that XXXX  is lying and are not taken my fraudulent claim serious. I have been dealing with XXXX  regarding these fraudulent accounts for over a month now and nothing has been done to remove these fraudulent accounts. These fraudulent accounts do not reflect my credit worthiness and also caused me to lose out great job opportunities. 

Since we are living in a world where Covid caused a lot of people to lose their job and can not provide for their family. I am XXXX that XXXX is not taken my fraud claim serious. I am requesting for these following fraudulent accounts to be removed and blocked immediately due to identity theft : 1. APPLE CARD/GS BANK XXXX Account # : XXXX Balance : {$6800.00} 2. XXXX  XXXX XXXX Account # : XXXX Balance : {$580.00} 3. XXXX XXXX XXXX Account # : XXXX Balance : {$8600.00} 4.  XXXX XXXX XXXX Account # : XXXX Balance : {$28000.00} 5. XXXX XXXX Account # XXXX Balance : {$3700.00} 6. XXXX XXXX Account # : XXXX Balance : {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
The company Sunrise Credit Services called me in an attempt to collect a debt in XXXX. At that time, I told them to send me everything they had to validate the debt was owed and that I owed it. I also told them not to contact me via telephone anymore that I would handle this all through certified mail once I received their validation materials. 

I have received numerous calls from them at various numbers throughout the remainder of XXXX and the beginning of XXXX even though I ask them daily to remove me from their list of calls. I once again state I need anything they have validating the debt before I engage in any further discussions. 

Several times I was told I wouldn't receive any other phone calls from them, but they still continue. 

I asked today for the name of a compliance officer within their organization I could notify that they were out of compliance and was told " we don't have one '' and " I can help you with that. '' Finally, after being hung up on several times, I got in touch with someone who gave me the name XXXX XXXX, but when I asked if that was the compliance officer, they refused to answer yes or no.

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 2020-08-06 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: FL

Complaint narrative:
My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX My social : XXXX XXXX XXXX account, I opened a complaint with Transunion about my XXXX Account Number : XXXX. On my credit report. Transunion has done an investigation and failed to give me any proof that the account is valid. This account is not valid and I have a letter from the creditor that states that it is not valid. I Made the complaint on XX/XX/XXXX and the result came in as a valid debt which it is not. Transunion has not provided any proof that it is my account. I have proof that this does not belong on my credit report, you can contact XXXX XXXX the confirmation number for deletion is 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 2020-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Debt does not belong to me, it was unverified, not validated and is currently reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX I awoke to text notifications that someone had used my Capital One Credit Card to attempt to charge two pairs of XXXX XXXX XXXX at XXXX XXXX tickets for a game two days later on two different websites for about {$1000.00} each pair. I've never been to XXXX XXXX or a XXXX game nor would I go, I live near XXXX. Capital One didn't authorize the second charge but did fulfill the first in spite of flagging both as suspicious. I called them immediately, was told not to worry, they would reverse the charge and send me a new card. I was assured that I was covered by their no liability fraud guarantee. A month later they sent me a letter insisting I had purchased the tickets after all because the ticket reseller ( XXXX XXXX ) claimed the hacker knew my phone number, email and address. Then Capital One reversed the credit to my account. I have to assume they chose to throw me under the bus because I pay off the card every month and they chose to drop me rather than fulfill their obligation because I wasn't making them enough money. I suspect they are doing this to others as well. I am wondering if the scammer got my card information through their XXXX data breach although obviously it is information any consumer has to input every time you buy something online. I have a freeze on my credit which is preventing unauthorized new accounts. Their fraud department refuses to be reasonable. Letters to management came back with one response insisting there was no evidence of fraud. I most certainly did not buy those tickets. Did I mention I live near XXXX? 
I would like them to fulfill their promise to protect my account from unauthorized charges, refund the {$950.00}, and I would like the issue to be investigated to see how many other consumers they have decided to abandon in the name of profit margins. This is the short version, I have letters and documents outlining the series of events and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: MS

Complaint narrative:
I have collection that is reporting on my credit report that I have been trying to have removed from my credit report. I looked and according to Mississippi ( my state of residence ) statue of collection limtation time it is 3 years, and the last reported date on my credit report is XX/XX/XXXX. Every time I sent my dispute request to the credit bureaus the last time being on XX/XX/XXXX, it is coming back verified by XXXX how can that be if no one has reported on it since XX/XX/XXXX, way over 3 years time limit of collections for Misssissipi. I desire to have this removed from my credit report immediately for a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: SD

Complaint narrative:
Loan Servicing Company is HOMELOANSERV We mailed our mortgage payment in the form of a cashiers check form our bank on XX/XX/XXXX. On the XX/XX/XXXX we received a letter from HOMELOANSERV stating that our XXXX  payment was not received and now late. I contacted the company and they requested for me to send them a copy of the check front and back to their support email. I did this on XX/XX/XXXX. I checked my online account at HOMELOANSERV 10 days later to see that the payment issue had not been resolved. On Monday, XX/XX/XXXX I called the company again and resent the email of the proof they requested. The person I spoke with told me that it was taking longer than usual but support should have the issue resolved within a few days. 
Today we received another letter stating that they where reporting us negatively to the credit bureaus so when my husband spoke with them over the phone, they said we needed to send another payment for XXXX until they resolved the issue. I faxed the proof they requested today along with a letter that included the issue, our loan number, our address and phone numbers. 

I feel like this company is trying to rip us off almost {$1300.00} and are taking advantage of us, or trying really hard to. But we have proof they took our check and cashed it before it was late and are refusing to credit our account for it.

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 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last XXXX XXXX I sent money to the XXXX at the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Amounting {$480.00} + Transfer fees {$50.00} Then XX/XX/XXXX American time I recieved a message in the XXXX that they did not trace and recieved the money I sent, So I went back to JP MORGAN CHASE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to complain about the matter, They work on it I though they follow it up and it is okey now .Just this morning I was notified in my email that another {$480.00} was deducted in my account .Im just wondering what happened to the first {$480.00} that I sent last XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
SENT IN A COMPLAINT ORIGINALLY ON XX/XX/2029 AND RECIEVED THIS GENERIC RESPONSE : *Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. * I've sent in a request to remove inaccurate fraudulent information to all 3 credit bureaus. Equifax is the only CRA that verified the information as accurate which they did electronically, which I stated I did not want them to do, since the information will match up do to my sensitive personal data being compromised. I've called, faxed and mailed in information to Equifax to support my claims but to no avail. My calls are routed to a call center outside of the USA, and they are not much help and can never locate the information I've mailed to XXXX, GA. I stated over the phone and in previous letters that I am not submitted a normal dispute, I am reporting fraud, and would like the account removed. I've consulted with each furnisher in question, and they are aware, however Equifax continues to report these accounts, no other bureaus do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: CA

Complaint narrative:
have not received anything from the experian or XXXX  within the 30 days.

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 2020-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have discharged the debt Navient is trying to collect on in Federal Bankruptcy court. XX/XX/12. They show the account as closed, but continually report that my payment is late. I have called, them, I have sent a letter of cease and assist and they continue to report on my credit. My finacial health has been specifically harmed and I would your assistance to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2020, I disputed unauthorized charges pertaining to my Navy Federal Credit Union debit card. I reached out to XXXX XXXX first and received this notice. 

XXXX XXXX Support XXXX XX/XX/2020, XXXX XXXX to me Hi XXXX, XXXX from XXXX XXXX Support here, thanks for reaching out. I know firsthand how worrying it can be to have an unexpected transaction come up and I am ready to provide you with some information about this transaction. 

Looking at your account, I can confirm that this {$2000.00} payment to $ XXXX is complete. Unfortunately, XXXX XXXX is unable to cancel or refund completed payments. That being said, you still have resources to help in this situation. You are well within your rights to pursue options through your bank, or to ask law enforcement for assistance in finding a resolution. 

If you would like to recover your funds, please send a request to the recipient : Tap the Activity tab on your XXXX XXXX home screen Select the payment in question and tap Request Refund Select a reason and tap Next to complete the request Before sending a payment in the future, we strongly recommend that you : Only send to people you know Verify the recipients name before sending Double-check the spelling of $ XXXX Double-check the recipients phone number or email for typos To learn more, please visit XXXX XXXX Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. 

Feel free to respond to this email if you have any further questions, I am here to help. 


Your Advocate, XXXX XXXX. 
XXXX XXXX Support ref : XXXX : ref Navy Federal issued me a provisional credit until the investigation was concluded. On XX/XX/2020. I was notified that the claim was denied, when I spoke with XXXX ( Debit Card Supervisor in Florida ) she stated that there was no evidence of Fraud. Clearly as this email is stated. I did was I was advised. Now I am out of {$2000.00}. I additionally, filed a complaint with XXXX, no response as of yet. Additionally, I emailed the following XXXX, XXXX, XXXX, XXXX, along with a complaint with the FTC. Among dealing with health issues over the past several months in the middle of a Global Pandemic, I now have to deal with the incompetence or lack their of an investigator who did not to his due diligence named ( XXXX ) which this information was provided by supervisor ( 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 2020-08-06 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: CA

Complaint narrative:
have not received anything from the XXXX or equifax within the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: MO

Complaint narrative:
XXXX XXXX and Transunion is not following the rules of the Fair Credit Reporting Act. I disputed 4 accounts on my credit reporting XX/XX/2020. In my response from the credit bureaus through CFPB it stated that they require more time to investigate. This is now XX/XX/2020. That's too long for investigation or to receive verification of a debt.

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 2020-08-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX, Experian and XXXX  is not following the rules of the Fair Credit Reporting Act. I disputed 4 accounts on my credit reporting XX/XX/2020. In my response from the credit bureaus through CFPB it stated that they require more time to investigate. This is now XX/XX/2020. That's too long for investigation or to receive verification of a debt.

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 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
My loan is currently serviced by SLS. They recently issued a notice of default claiming that {$1600.00} was needed to cure the default. This amount was paid to bring the account current. SLS claims that the account is still in default and proceeding with foreclosure action. SLS has not provided any records to prove up up the overall validity of the debt. 
As defined under Real Estate Settlement Procedures Act ( RESPA ) Fair Debt Collection Practices Act as well as the Fair Debt Collection Practices Act ( FDCPA ), it is required that current creditors hold the necessary documentation granting the authority of servicing rights and all applicable mortgage assignments from one lien holder to the next. These documents have been request in writing by way of a Qualified Written Request ( QWR ). SLS is in violation RESPA and CFPB law for proceeding with foreclosure action on a current loan. Since SLS is ignoring my requests for clarification on this matter, I am seeking your assistance.

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