vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: WI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2020-05-21 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: WI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: WI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2020-05-21 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: MD

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX {$180.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$230.00} XXXX XXXX {$97.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX {$600.00} XXXX   XXXX {$2200.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX {$19000.00} XXXX XXXXXXXX {$5400.00} XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: MD

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX {$180.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$230.00} XXXX XXXX {$97.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX {$600.00} XXXX   XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX {$19000.00} XXXX XXXX {$5400.00} XXXX   XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
When my mortgage was transferred to PHH from Ocwen, I had problems getting their website to accept payments and I missed a couple. I then contacted the company to request a modification as 7.5 % is too high. With the previous mortgage company, I had paid XXXX in additional principal, and had never missed a payment. The mortgage number is XXXX. 

Anyhow, this modification dragged on, and I just called to see if I could make some payments and they said that they removed the modification and moved this into foreclosure. This is something that should never happen. 

I would like for them to give me relief, as my business has had issues due to the COVID-19 emergency, but I do have the means to keep these payments current. 

Thanks! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TX

Complaint narrative:
Per Section 609 ( a ) ( 1 ) of the the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. I was in graduate school and at this point of graduation when this account was showing in XXXX as past due. This is inaccurate I have never been late for my accounts. I had an hardship forbearance from those debts for XXXX-XXXX.

This delinquent account record is inaccurate. I request that all the following accounts associated be validated, or promptly removed.

Account Number : XXXX Account Number : 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 2020-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I receive a letter from Wells Fargo informing me that the access to my credit on my account was suspended because I asked for forbearance. I never ask for any type deferment so I called them. 
First agent told me that it was a glitch on the system and that will be corrected on 48 hours. I called after 4 days because they did not reinstated and then I was told that I needed to send paperwork so they can asses my finances again. I spoke with a supervisor that was going to investigate the issue. Even though I sent the paperwork requested nothing happened. It seems that because I have a very low interest rate they don't want me to access more credit. I also read on XXXX that it seems the issue is not only with me and that they been placing account on forbearance and deferment without the clients asking.

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 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Per Section 609 ( a ) ( 1 ) of the the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. 

This delinquent account record is inaccurate. I request that the following account be validated, or promptly removed : Lvnv Funding Llc for {$120.00} Original : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Discovered numerous instances of fraud concerning loan, appraisal, fraud involving overcharging on insurances and property maintenance services on my mortgage loan from XXXX unable to keep up payments Property value disintegrated in collapse of real estate markets- unable to sell or Bank filed foreclosure action- XXXX but Bank did not complete and fired 2 different law firms Bank would not accept many offers of short-sale in XXXX during foreclosure process Reached stimulated agreement in XXXX that Bank would take property back Bank agreed to stipulated agreement, but never returned to my lawyer and claims they lost the settlement paperwork and then changed law firms again Bank refiled foreclosure in XXXX and now wants over 1M deficiency judgment against me despite efforts to sell or legal agreements we have reached and despite all the disclosed fraud that was found regarding the actual loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-05-21 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted XXXX to learn why score dropped by 35 points as nothing on my report would indicate why such a drop. The agent said she does not know why and the computer provides the numbers. I also informed her that one of the items is showing an increase to my account. I explained to her that if my previous month report was XXXX and now my current balance is XXXX how was an increase done. She just kept repeating the same thing. I asked her if she could put in an inquiry to find out why my score dropped by 35 points if nothing on my report is indicating the reason for this. All she could say is the computer generated it. I want experian to look into why my score dropped by so much with details. This is just unacceptable to a consumer that helps to stimulate the economy through purchases and paying for my purchases.

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 2020-05-21 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2020-05-21 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2020-05-21 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from an error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report.

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 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Loan Maturity date XX/XX/2020. Balance as of this day {$9900.00}. After 4 payments that equal XXXX X 4 = XXXX and {$600.00} in late fees on XX/XX/2020 the balance will be {$7900.00}. I am confused as to why the balance will remain at maturity. We did defer 6 payments and this would explain XXXX but we did not understand that the maturity of the loan remained the same and this amount would be due at maturity. Also we tried to use GAP 2 years ago after a hail storm damaged this vehicle and we were told any payment made late was not covered by the GAP insurance. They still deducted the GAP insurance fee that month but stated that month was not covered. This made it impossible to use the GAP if the late payments would not be applied to help pay off the vehicle so GAP was null and void. I would think a refund of the GAP insurance would be deducted from this balance. What will happen if we can not pay the remaining balance at maturity date?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XX/XX/2020 XXXX  XXXX  Account XXXX Creditor : Caine & Weiner {$77.00} charge is paid in full - Confirmation # XXXX Caine & Weiner XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The phone operator XXXX from the team XXXX  ( as I was informed by the operator ) was under the influence of alcohol  and or drugs  and refused to lodge a dispute. XXXX refused to transfer the call to a manager. 

I wanted to lodge a dispute against the item reported by XXXX. XXXX stole money from my account and damaged my business relations costing me thousands of dollars. I owe no money to this account and most importantly the account is closed but it shows otherwise in the report. 

Experian phone operators refused to lodge the dispute. Experian is corrupted and gets paid under the table by the financial institutions to work in their favor.

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 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: VA

Complaint narrative:
It a company Cash App. I had set up direct deposit and it states it received it on XX/XX/2020 but did not reflect in the balance. There is no customer service only on twitter. And even there is no use. It's my pay check I need it. My health is a stack. I just want my money and do away with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
Payment made to original Creditor XXXX XXXX  XXXX on XX/XX/2020. 
The collection agency, Lanier Collection, that has the account reporting on my XXXX  profile, is reporting the debt as paid. 
This account was not sold to Lanier, as XXXX XXXX   XXXX accepted and processed the payment. Lanier should not be reporting this account as a collection account if the original owner was paid. 
Receipt was provided to XXXX  but they only updated account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: NJ

Complaint narrative:
Payoff/settlement agreed via letter dated XX/XX/19 - amount agreed {$14000.00} by XX/XX/19 to satisfy loan in full. Amount sent overnight and signed for received in accordance to offer - check cashed. Title never released. Eight months later after repeated requests for communication and explanation, still no title and loan balance on recent statement shows loan is still open. 
Loan has not been reported as satisfied to all credit reporting agencies as of this date even though the loan was paid in full in accordance to payoff agreement XX/XX/19. 
Still no communication or explanation from Flagship Credit Acceptance in XXXX XXXX PA after repeated written and verbal requests. 
My rights under FCRA have been violated and I believe fraud is involved. I need this resolved ASAP.

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