vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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:
XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Back in XXXX, I contacted a law firm to represent me in talking with my mortgage company in hopes of getting a better mortgage rate. The law firm was unsuccessful in dealing with the mortgage lender, and I paid them nothing. As a result of the law firm contacting the mortgage lender, the mortgage lender Ocwen without my consent, without my knowledge, and without my approval decided to defer {$85000.00} of my mortgage until the year XXXX. This action resulted in me paying on a {$10000.00} loan at an adjustable rate which caps of 4.12500 %. I never asked for any of this to happen, and because all of this happened without my consent I feel violated. I was still making my payments on time before this change in my mortgage. This was not how my mortgage was set up initially. Before the law firm contacted Ocwen, I had been paying on the whole amount which was {$180000.00} at an adjustable rate. After Ocwen 's change to my mortgage I looked over my statements it became apparent that I am to pay off the {$100000.00} portion of my loan in addition to an {$85000.00} lump sum in XXXX. This will be insurmountable for me. I did not ask my for loan to be broken up in this way, and insist that the original loan agreement that I signed for in XXXX be restored with a permanent fixed rate. Ocwen made this decision and then switched me to their subsidiary PHH Mortgage. Again, I want my loan restored to the original agreement which was inked in XXXX. I had never missed a payment nor was I ever late. I do not believe that my credit rating was so bad that they could do nothing better for me. But I add the caveat that Ocwen forgive me from the {$85000.00} deferment and restore me to a permanent fixed rate for the duration of the {$100000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CO

Complaint narrative:
I have made 3 disputes with Experian in regards to late payments on my student loans. I reached out to my school about this first, and they told me to dispute the late payments and that when Experian reached out to them, they would not respond, resulting in Experian removing them from my credit report. The first dispute I opened was XX/XX/20 and they had dispute results ready on XX/XX/20 with no changes made to my credit report. I disputed the account again on XX/XX/20 and this time included documentation. The dispute results were ready on XX/XX/20 with no changes to my credit report. I called Experian on XX/XX/20 inquiring why the late payments had not been removed. The representative I spoke with informed me that the documentation I had submitted was never attached to my case #, I asked her to start another dispute and to include the documentation and the results were ready on XX/XX/20 again with no change to my credit report. I do not believe Experian has received a response from my school in regards to the late payments on my student loans or reviewed the documentation that I submitted. Since my first dispute, more than 45 days have elapsed and these should have been removed from my credit. I am enlisted in the XXXX XXXX  and the XXXX makes yearly payments towards my student loans, which I have proof of.

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 2020-05-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Using the www.annualcreditreport.com site, I tried to access my three free credit reports. XXXX  was able to present me with a report. TransUnion and XXXX  claim that they were unable to verify the information I provided and did not provide me with a report. There was no explanation provided. My understanding is that the three agencies provide and support that site. So how come they can not collect the information that can ensure my identity is valid? Of course, they offer the ability get a report by mail. This is all designed to frustrate the user until they give up. They are not living up to their responsibilities.

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 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
We applied for the refinance XX/XX/XXXX, I have given {$500.00} for the loan to be reimbursed at closing. We are approved for the loan contingent upon appraisal. I have had 3 appraisal companies contact me to set up a time, no one has shown up. I have contacted Quicken Mortgage at each appointment to let them know the appraiser never showed up. Quicken continues to ask for the same documents and continue to provide. We are at the end of our 2nd rate lock, no one has done anything except ask for more verification of income. They have done nothing but waste my time and potentially prevented me from receiving my refinance at the locked rate of 2.99 % I have asked multiple times for updates. XXXX I have asked for either an appraisal or a refund. I need to apply with another company that may be able to get this done before 90 days if they can't send an appraiser out to finish my loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP
State: WA

Complaint narrative:
I was sent a card with a different number than the one listed for me under my account with the WA unemployment. It's impossible to get ahold of Key2benefits to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
My loan with Chrysler Capital shows as a right off, bad debt, when the loan was paid by the GAP insurance on the vehicle after an accident that resulted in a total loss of the vehicle. It shows as a charge off, bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CA

Complaint narrative:
To whom it may concern On XX/XX/2020 I mailed a written request to Transunion by certified mail, the company received my request on XXXX XXXX. I requested the following accounts to be verified XXXX XXXXy company acct # XXXX and XXXX XXXX acct # XXXX. Included in my request was a colored photo copy of my Drivers license, passport, and copy of utility bill with my current address to make the company aware that I, myself was disputing and not a third party. Subsequently XXXX  and XXXX  completed a thorough investigation and responded in a timely matter. Today makes 58 days since Transunion has received my dispute. According to the FCRA they have 30 days to investigate and respond to a dispute which they are now violating the law. 

Please see attached mail receipt and updated credit reports from XXXX  and 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 2020-05-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was an unauthorized charge on my Chase Reserve account on XX/XX/20 for {$130.00}. I called to file a fraud report. Chase credited my account while investigating, then reapplied the charge back on my account. Chase said I'm responsible for the charge because the merchant was able to provide them with my personal information. I've appealed the decision, and they came back with the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Using the www.annualcreditreport.com site, I tried to access my three free credit reports. XXXX  was able to present me with a report. XXXX  and Equifax claim that they were unable to verify the information I provided and did not provide me with a report. There was no explanation provided. My understanding is that the three agencies provide and support that site. So how come they can not collect the information that can ensure my identity is valid? Of course, they offer the ability get a report by mail. This is all designed to frustrate the user until they give up. They are not living up to their responsibilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: NV

Complaint narrative:
These are not my accounts, name on file, addresses, nor did I authorize these companies to pull my credit.

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 2020-05-19 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: WI

Complaint narrative:
I opted out of receiving prescreened offers to refinance my mortgage immediately after I got it in XX/XX/2019. Multiple companies continued to send me their offers, however most stopped after I contacted them directly and told them to stop. Clear Path Lending has continued to send me promotional material, including 2 letters in one day today, despite multiple attempts to make them stop.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I ( consumer for Synchrony Financial ) DBA XXXX XXXX feel I have been a victim of unfair credit practices. I noticed my credit has taken a hit when the Financial Company has decreased my credit limit causing utilization to be way above what it should be. As having said so, I was never made aware of my limit decreasing at random, otherwise would have tried to find a way to pay more toward the account to take a less effect on my credit. Ive contacted Synchrony Financial, XXXX XXXX STATES the bureau decides the changes need to be made. I as a consumer know that this information is false and many times calling into synchrony financial getting misled. This needs to be fixed as illegal practices can not be resumed, as this is very damaging to consumers whom never received notices about changes in terms of the original agreement.

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 2020-05-19 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/20 I tried to purchase something online, but the website said the transaction failed. However, a charge for that amount showed up on my credit card under a different business name. I quickly realized I had given my card number to a fraudulent website. I tried to cancel my card within 10 minutes of making the purchase, but the credit card company had no service available to answer my call until XX/XX/20 ( which is ridiculous, but whatever ) so I couldn't cancel my card immediately. The best I could do was put my card on hold, which I did immediately. I called the credit card company again on XX/XX/20, but was put on hold for over an hour. I called the credit card company again an hour later, finally spoke to someone after another half hour, and was told that they refused to do anything about the fraudulent charge.

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 2020-05-19 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: NV

Complaint narrative:
These are not my accounts, name on file, addresses, nor did I authorize these companies to pull my credit.

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 2020-05-19 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: NV

Complaint narrative:
These are not my accounts, name on file, addresses, nor did I authorize these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: TX

Complaint narrative:
All 3 credit bureaus are in violation of reporting inaccurate information on my credit before i file a lawsuit i am requesting removal of this item that do not belong to me and i have a letter from the creditor stating i do not have a account with them. Company is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation