vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 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: CA

Complaint narrative:
Both XXXX  and XXXX  lowered my credit scores by almost 100 points because I paid off my home mortgage in full in 2 lump sums. I have Congratulations letter from XXXX XXXX  congratulating me for paying off my mortgage. I don't understand why both XXXX  and XXXX  list my XXXX XXXX   mortgage account as derogatory and lowered my credit score by almost 100 points. I am currently trying to purchase a new truck and was notified that although I had been pre-approved prior that due to my latest credit score I was no longer qualified!! I am appalled that my credit score was lowered from XXXX to XXXX!!! 
Please help me.

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 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
The following company had a mortgage on my home PNMAC XXXX I have the following late payment dates on my report : XXXX, XXXX, this was supposed to be under forbearance due to Coronavirus. I have health issues that prevented me from working as I would be considered very high risk. I called them and they could not help me. 

I can prove if need to be the health issues Had and still have as I'm fighting through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This account was deleted and Re-inserted onto my credit reports. I am including documentation to support my claim of violating my Re-Insertion rights per the FCRA. I was never notified in writing that this account would be re-Inserted. There will also be a document that was received from the Creditor when I asked for Validation and their refusal to investigate the account.

The Credit Reporting agencies are also refusing to Validate the accounts by providing me with a contract with my signature of said account. 

XX/XX/2019 Dispute sent to the Credit Bureaus disputing the account listed on my Credit report. 
XX/XX/2019 dispute results received and the accounts were removed. 

Since the accounts have been Re-inserted without explanation or Validation. 
Please Delete per FCRA 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 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This account was deleted and Re-inserted onto my credit reports. I am including documentation to support my claim of violating my Re-Insertion rights per the FCRA. I was never notified in writing that this account would be re-Inserted. There will also be a document that was received from the Creditor when I asked for Validation and their refusal to investigate the account.

The Credit Reporting agencies are also refusing to Validate the accounts by providing me with a contract with my signature of said account. 

XX/XX/2019 Dispute sent to the Credit Bureaus disputing the account listed on my Credit report. 
XX/XX/2019 dispute results received and the accounts were removed. 

Since the accounts have been Re-inserted without explanation or Validation. 
Please Delete per FCRA XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
For the past 2 days I have attempted to unfreeze my credit report with Equifax. I have been able to temporarily unfreeze my account with XXXX and XXXX without any problem. My wife was able to temprarily unfreeze her account with all three agencies. I have attempted to unfreeze my account with Equifax online and by their telephone computer. In spite of entering all the asked for data I continue to get a recorded message that they are unable to process my request. I even had a loan officer from the financial institution help me with this process but to no avail. I am not able to speak to anyone at Equifax re this problem. 
I am asking for help to have Equifax call me so that I may proceed with my loan application. Their customer service has been nothing short of dreadful. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS is in violation of CA Homeowner Bill of Rights, in violation of CA regulations governing real estate, acting in bad faith regarding real estate and illegally attempting to grossly inflate a property for the purposes of attempting to foreclose on my home. At issue is a short sale request that has been submitted. SPS is demanding a full payoff which can not happen in a short sale so that is a violation of CA Homeowner Bill of Rights which requires lenders and servicers to work with  homeowners to avoid foreclosure. 

Second, SPS is attempting to use an outdated broker price opinion which is a violation of CA regulations regarding evaluating properties that state those types of reports are only good for 90 days. 

Thirdly, SPS is completely disregarding comps that show properties that are completely move-in ready being valued at the price they say my property is worth. It's not. My property has significant damage and in disrepair, as evidenced by docs attached. 

SPS is acting illegally, stop them from breaking the law. Stop them from illegally inflating property values to act as a foreclosure mill. Stop them from taking advantage of people during a worldwide pandemic and setting foreclosure sale date during foreclosure moratoriums. ILLEGAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was checking my XXXX credit report last XX/XX/XXXX and found two Hard inquiries from TD Bank dated XX/XX/XXXX, XX/XX/XXXX respectively without applying or even getting in touch with them .Called XXXX to ask why they told me to call TD Bank , which I did on XX/XX/XXXX XXXX at XXXX, spoke to supervisor XXXX about the two hard inquiries which she assured me that someone will come back to me within 3 Days ( no body did ). On XX/XX/XXXX at XXXX called TD Bank, spoke to XXXX about the two hard inquiries and I tried to tell him there is a difference between hard inquiries and sharing information or reporting to credit agency, his answer was that TD Bank has the right to do so without even letting me know according to the customer agreement, so I asked for the agreement. TD Bank sent me the agreement which clearly shows they should not had made Hard inquiries. 
Today XX/XX/XXXX I found out that TD Bank had made a THIRD HARD INQUIRY with XXXX.I called TD Bank XXXX at XXXX and closed the credit card account and it was confirmed because at is at XXXX balance to end that saga. 
Now I have three hard inquiries from TD Bank for no reason and it is affecting my credit report for no reason. Please help me .THAN YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: PA

Complaint narrative:
After checking my credit report I found out a few accounts which ate not mine.I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

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 2020-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Prior Case # XXXX ( Held by NationStar according to XXXX ) was not properly closes out. 
That lender must complete an " escrow close '' out in order for a refinance of my current loan that is with XXXX. 

FHA Resource Center regarding a closeout repair escrow reference number for a call to them is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX has things on her credit profile in-accurately reporting. We reached out to the Experian credit bureau on XX/XX/2020 and sent out another 30 no response letter on on XX/XX/2020. Neither letter has given a response. I have evidence for both.

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 2020-10-21 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: FL

Complaint narrative:
Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

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 2020-10-21 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-10-21 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also  included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX  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 XXXX  XXXX XXXX/XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
I received a delinquent notice regarding my XX/XX/2020 mortgage payment. I initiated my mortgage payment on XX/XX/2020 in the amount of {$3400.00} which was debited from my bank account on that day ( see screenshot ). I spoke to XXXX ( emp # XXXX ) and he reviewed my account and also advise the XXXX payment has not posted. I have attached my bank statement as evidence that my mortgage was paid on time. I ask that you adjust my account and your credit bureau reporting according. I am currently in the middle of refinancing my home and the estimated closing was suppose to be XX/XX/XXXX which means this has to be resolved with haste. 

Proof has been provided to our lender ( Cornerstone Home Lending ) which included the applicable bank statement showing the payment was deducted from out account on XX/XX/2020 as well as a letter from XXXX XXXX  confirming the payment was sent to the lender. We submitted a formal dispute on XX/XX/2020 and was told the XXXX would be 12 business days. We still have yet to receive a decision regarding our dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a XXXX XXXX account through Comenity Bank and was offered a promotional plan and was only told that I had certain amount of months to pay off the balance. I was not told that there would be what they called a " deferred interest '' charge. I have been making payments regularly before my due dates and paid much more than the minimum amounts each month. On the last month, I tried to pay the balance off before the promotional offer expired but I paid {$220.00} instead of {$230.00} as I was not aware that {$230.00} was due before XX/XX/XXXX. I was estimating the total amount to be due on balance was {$220.00} because I've been paying around $ XXXX/month which was way more than the monthly minimum due amount. I underpaid by {$5.00} and was charged {$640.00} in interest on XX/XX/XXXX. I contacted Comenity Bank on XX/XX/XXXX and spoke with one of the Supervisor, XXXX, who informed me that I had to contact the provider and have the provider waive the charges as Comenity Bank is unable to do so. I contacted the provider and the provider helped to call Comenity Bank and was told that there is nothing that the provider could do to resolve this as the interest charge is charged by Comenity Bank. I called Comenity Bank back on XX/XX/XXXX and spoke with another Supervisor, XXXX, who then told me that there is nothing that the provider can do nor can she help reduce, waive, or reverse the interest charges. The interest charge of {$640.00} is ridiculous and unfair as I was not aware that I would be charged interest for the beginning balance accrued over time. I understand I would owe interest or finance charge if I had not been paying or have missed any payments. But I have been paying regularly over the minimum amount and never missed any payment. I miscalculated on the last payment by {$5.00} and was charged {$640.00} of interest? Additionally, not only did Comenity Bank gave me false information, they were unwilling to work out any discount, waiver, or reduction of any kind due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1993 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter  very serious XXXX  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXXistrict of California Stop collection proceedings against me Signatures on  applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1993 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am closed with a negative balance on my account. How can i fix it if my account is closed .... I also want to know what happened to the money I been claiming and has been pending.? Cuz it's been over 12 weeks now and not one week of pay. I can easily pay the {$410.00} with my benefits I have pending. So yeah what's going on? 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 explanation