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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has appeared on my Transunion credit report without any permissible cause, no credit or loan has been awarded. This is violations of FCRA rules section 1681

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: Real Time Group, Inc.
State: CA

Complaint narrative:
I spoke with XXXX XXXX office and they told me to contact you. ASAP I'm currently update to date on 1st Mortgage payment.. THIS IS ONLY ON THE 2ND MORTGAGE PAYMENT On the 2nd Mortgage payment this place is : REAL TIME RESOLUTIONS INC XXXX XXXX XXXX XXXX, TX XXXX harnessing me!!! They keep CALLING ME AND SENDING THREATEN LETTER THAT THEY WILL TAKE MY HOUSE, im a senior and XXXX years old, and my health is not good. There TRYING to FORECLOSURE ON ME. I NEED YOUR HELP IN THIS MATTER. I DID try to pay them but in XXXX everything went upside, and my wife had XXXX this is the 2nd Mortgage fell behind and I did make a few payment. Now today I received a letter date XX/XX/XXXX, they are threaten ne m since this Conv-19 have been going on, my funds are really low and very hard for me, I'm now XXXX  years l old and on a fix income of {$900.00}. I'm asking if you can contact the place that took over for XXXX XXXX  and have them to write it off and STOP with all the threaten letter and calls. Possible able to W/O to excuse this loan was back in XXXX XXXX XXXX  had it back XXXX, they closed down and the company is NO LONGER in business and XXXX  XXXX XXXX took over the 1st mortgage, but they did NOT take the 2nd Mortgage. Thank you so much look forward to hearing from you soon XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA 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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date :XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date :XX/XX/2020-Unauthorized inquiry by Identity Theft

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is unacceptable I tried again to get morgage funding. Invoice I obtained a copy of the soft credit. First of all it came back that my score is what it is due to delinquent accounts an i have zero delinquent accounts all my accounts are current an on time. The length of time in my current delinquent accounts again I have none. I am being denied a home morgage because of these lies. This is outrageous an completely illegal. This is not true. Yet I am being judged an denied because of it. I cant believe this is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I tried to link account to XXXX XXXX  to try and receive a loan. I am unable to link my Pnc accounts from Pnc side.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: OH

Complaint narrative:
On XX/XX/2020 I was at XXXX trying to withdraw cash it keep telling me I reach my max with draws. I never had this happen so I got on my cash app app an look for the customer service number. At that point I call the number I found. He told me the only way he would be able to fix the issue was for me to go to the app store an download a app call XXXX XXXX or something along the lines of that. So I download it not know in this app was going to give him full control over my app/phone. While on the phone we was talking an I happen to get a beep I look at my phone an see him controlling my app an in my app I look at how much was in my account an it said XXXX. So I went from XXXX to XXXX. He did 4 diff with draws 3 for XXXX an one for XXXX. First 3 account that got the XXXX were all diff then one of those account received the XXXX. I started freaking out an ask him what happen to my money an to just put my money back on my card. He told me not to worry an to hold the line he well be back. He came back to the line an said he was having issues on returning the money an ask me 1st if I had a debit card I could link to my cash app that had XXXX on it I told him no. Then he ask XXXX? I said no ... then he ask me to go to the nearest store an purchase XXXX in XXXX XXXX cards. I told him I dont have any money an I was not doing that. I hung up on him at less 5 times over speaking with these ppl for 2 hours trying to get my money. At one point he even laugh an told me I been scam. Told me reporting it to anyone well do me no good. I contact cash app immediately thru email cause it 2020 an their a company who does not have a live customer service number smh. Waited for a response only to be told alone the line they could not do any form of refund cause someone had access to my account in the past. I ask for them to prove whatever their speaking out an yet to get any proof. After all this I learn going thru XXXX there many many scammer numbers listed as cash app customers service numbers. I also learn this has happen many times to other customers an still yet cash app is doing nothing to protect their customers. I went thru the app request a refund that did no good. I call all the numbers back they keep calling me back on only to learn those number all were text now number an was all disconnected. Am not sure how cash app doesnt feel I dont deserve my money back when the number i found WAS ON MY CASH APP APP. I also have recording on my son phone I can send if need to of them admitting they work for cash app. Why hasn't cash app did anything to PROTECT their customers why does this keep happening

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is unacceptable I tried again to get morgage funding. Invoice I obtained a copy of the soft credit. First of all it came back that my score is what it is due to delinquent accounts an i have zero delinquent accounts all my accounts are current an on time. The length of time in my current delinquent accounts again I have none. I am being denied a home morgage because of these lies. This is outrageous an completely illegal. This is not true. Yet I am being judged an denied because of it. I cant believe this is

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 2020-08-07 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:
This is unacceptable I tried again to get morgage funding. Invoice I obtained a copy of the soft credit. First of all it came back that my score is what it is due to delinquent accounts an i have zero delinquent accounts all my accounts are current an on time. The length of time in my current delinquent accounts again I have none. I am being denied a home morgage because of these lies. This is outrageous an completely illegal. This is not true. Yet I am being judged an denied because of it. I cant believe this is

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 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NV

Complaint narrative:
On Thursday, XX/XX/2020 at XXXX XXXX  Pacific Std Time, CBE Group contacted me via cellular phone. 

1. They are attempting to collect a debt that I do not owe.

2. Representative stated that they knowingly called a cell phone and are in violation of the TCPA.

3. Representative stated that she got my unlisted and private phone number from " someone '' but refused to say who or how. This is simply impossible. There are 1 of 3 scenarios that could have occurred to gather this information, and all 3 are highly illegal.

4. We're about to " unmask '' the truth. The public had better take notice. These are the types of criminals walking free throughout the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a request for a credit limit increase on my Discover credit card account both online and with a Discover agent. 
I knew that my credit score was more than 750 and that I have had no problems with any accounts, at all, for more than ten years. 
My Discover credit card account has been open for years with no problems and my present limit is {$5500.00}. 
Both of my requests were denied. 
I inquired, from the agent, as to the reason that my request was denied and they stated that the denial was based on a matter from XXXX when I included my Discover Credit Card account in my Chapter XXXX Bankruptcy, which was fully discharged in XXXX. 
I received a letter from Discover Credit Operations Team, dated XX/XX/XXXX, that stated the following, " Unfortunately, at this time we are not able to approve your request for a credit line increase due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT ''. 
My bankruptcy, which was fully discharged in XXXX, and the XXXX issue with my Discover Credit Card account included in my bankruptcy, are both more than ten years old now, so why did Discover deny my credit card limit increase based on information that is past statue?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
Ive been a victim of identity theft ...

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 2020-08-07 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: CA

Complaint narrative:
Ive been a victim of identity theft ...

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 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was interacting with a XXXX XXXX on XXXX to purchase a XXXX XXXX XXXX. I was told that the price was XXXX for the XXXX. They asked me to send it through PayPal and would send me the tracking number. I sent the money through XXXX on XX/XX/XXXX. Took a Screen shot. I inquired the next day for the tracking number and heard nothing back. I kept on asking and was eventually blocked by this XXXX User. I reported it to Paypal, and was told they could do nothing. I have been scammed out of XXXX. I'm hoping you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX  and XXXX  stated that I have been late on a payment in XXXX with my Ally Bank. Ally Bank has send me a letter stating that I have never been late. So I don't understand why I have a late payment on my account, which is bring down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2020-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one erroneously reported a 30 day late to my credit report for a business credit card that was in forbearance because of a hardship occurred during the COVID-19 Pandemic shutdown. I spoke to someone at capital one and they assured me that the erroneous mark would be taken off when I write the credit report department and provide that department with a copy of report that has the error circled. Well I did just that and now Capital One has a different story of the mark being there. No investigation, it didnt matter if account was in forbearance and sorry that they know how important my credit is. When the pandemic first happened the FCRA gave guidelines as to how and when furnishers should report. Capital one is not recognizing accounts in forbearance. They did not investigate what was said to me on the phone as well. They sent me a 1 page letter with a brief message. The person I spoke to knew my Mother died alone with no one there. They knew the business had a hardship and when it got to Capital Ones credit department nothing mattered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
Ive been a victim of identity theft ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: GA

Complaint narrative:
There are several accounts reporting that does not belong to me : XXXX   - Date Opened : XX/XX/XXXX ; Bal : XXXX ( TU ) XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX ( TU & 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 2020-08-07 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: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Taken out of forbearance without notification, reported delinquent to credit bureau and also transferred loan to new servicer. 

Hello : The issue is Dovenmuehle mortgage although granted a forbearance, reported my loan as delinquent to XXXX and therefore I got a big hit on my credit score which until then was very good. Please see attached credit report - ( _XXXX Personal ReportXXXX ). 

The forbearance was issued from XXXX to XX/XX/2020 but they went ahead and reported me delinquent for 60 days. ( Attached is their letter for forbearance - Letter from Dovenmuehle granting forbearance - XXXX ). 

On XXXX, I sent them a certified letter asking for extension of the forbearance for which I did not receive any response back. Attached is the letter. 

On XXXX and on XXXX they sent me 2 debt collection letters ( also attached ) but on XXXX ( in between the two letter mentioned previously ), they sent me another letter saying that I opted out of forbearance. I never did email, call or send a letter asking to discontinue forbearance and neither did they attempt to get in touch with me via any communication method. After receiving their letter dated XXXX, I called their Loss Mitigation department on XXXX, spoke to XXXX who said she rectified the forbearance expiration to until end of XXXX. 

On XXXX, I received a letter from Dovenmuehle that my mortgage has been transferred to XXXX. Since then I contacted the Dovenmuehle mortgage customer service over the phone a few times but the agents were not able to help me saying that they did not have access to my forbearance information. One agent told me that the previous request with XXXX was still pending for over a month and no action was taken although XXXX told me that she granted me forbearance. 

On XXXX XXXX I contacted them again and asked for a supervisor and they would not connect me and they took down my name and number and said someone would call and no call as yet and it is XXXX of XXXX. I also wrote them an email on XXXX to have them call me back or resolve my issue and have not heard back. I believe this is bordering on fraud that they took my mortgage out of forbearance to sell the loan. Need your assistance and help on this as I have exhausted all avenues with Dovenmeuhle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX and Transunion stated that I have been late on a payment in XXXX with my XXXX XXXX. XXXX XXXX has send me a letter stating that I have never been late. So I don't understand why I have a late payment on my account, which is bring down my credit score.

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