vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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: TX

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that the accounts below has verified that the accounts they are reporting under my name is accurate. 

1. ( XXXX XXXX XXXX XXXX XXXX Account # XXXX ) 2. ( XXXX XXXX Account # XXXX ) 3. ( XXXX XXXX Account # XXXX ) I advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation-This was not done. 
I requested you produce copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this or remove this item from my credit profile-This was not done. 
Any automated response or E-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the the Texas Attorney Generals office as well, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., No. 95-6445 (  C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance. Section 609 states collector did not verify, " Section 609 states that you're required to send me the original paperwork that verifies this account with my actual signature ; otherwise, this is false information! '' You were advised if not provided ( which you did not to remove immediately ). Furnish immediately the signed contract or remove this account immediately. Accounts are unknown, collection, remove immediately for unknown collection. Remove this account. Because you could not provide Proof of collection validation, method of collection verification, nor furnish immediately the SIGNED CONTRACT or ELIMINATE this account immediately.

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 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
Need help to have my mortgage deferred due to my covid-19 hospitalization. I have been Battling with fay servicing for a mortgage payment deferment from XXXX XXXX XX/XX/2020. Fay servicing has repeatedly told me because my mortgage was not a federally backed loan, not covered under CARES act they would not offer me a deferment. Forbearance, ending with a giant balloon payment in 180 days was my only option. I have explained my state signed in their own special act in XX/XX/2020 governing these mortgages that aren't federally funded to be granted into a deferment and to be added to the end of your loan. Fay servicing has been negligent throughout this process. I initially called Fay in XX/XX/2020 to discuss my hospitalization from being XXXX positive and asked for a deferment but was informed that a forbearance was my only option but to check back as things are constantly changing. After weeks of calls, explaining the facts and checking back, they explained that they would not discuss relief options over the phone or by email because its only done through a letter they will send to me in the mail. I was told in 7- 10 business days that I would get this letter by mail describing my option for mortgage assistance. I called after 14 days of no letter, they explained to me through these hard times the mail is slow and keep checking my mail. After a month of waiting I was then told there was no letter but im on the waiting list to be reviewed for mortgage assistance. Weeks later, again I called and was told I was not being reviewed for relief but I needed to now email them my hardship and then I would be put in a waiting list for the review process. After a few more weeks of multiple emails and a promise to get back to me within 48 hours I was finally told there is no review process, I was just not eligible for any assistance beyond the forbearance with a balloon payment and they have no emails or letters explaining my relief options, acceptances or denials. I need an explanation in writing of my eligibility or ineligibility outlined with dates and amounts, please. Because of Fay servicing has not taken any effort to review my mortgage, my family has over extended its financial ability, creating seriously over extended debt. Chapter 65 of  the Acts of 2020 section 5b states " A payment subject to the forbearance shall be added to the end of the term of the loan ''. Why is this so difficult for Fay Servicing to understand? Fay servicing has refused to accept this law and will demand a lump sum at the end of the forbearance. This is a criminal act against the unknowing mortgagee. Fay Servicing is intentionally misleading their customers to scare them into paying their mortgages while in hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I explain to this company i had not inquired bout an application and this an unauthorized inquiry and i file a FTC theft number # XXXX but they failed to assit me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: IL

Complaint narrative:
TranUnion and XXXX  are fraudulent on my accounts XXXX  XXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXXXXXXXXXX XXXX  is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # 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 2020-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I noticed in XX/XX/20 while logging into pay my balance on my Victoria secrets credit card that I had 2 {$100.00} e gift card purchases on my account. I immediately called Victorias Secret and they closed my current credit card, issued me a be card and filed a fraud investigation. They sent me a new card and then I received a letter stating that they found no basis to support the fraudulent claim. I am receiving a credit card bill with the {$200.00} fraudulent amount. I have called them and they will not look any further into the situation. I have cancelled my new credit card with them as well as I am not comfortable with the way they handled their investigation. I did not make the purchases of the 2 e gift cards and do not feel I should have to pay for the fraudulent charges. Ive been a credit card customer of theirs for years and have never had any issues with them. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: NY

Complaint narrative:
Every year, the documents this company requires apparently get misplaced by them. For the last 7 or 8  years, they have requested a signed certificate of occupancy or proof of insurance 3 to 7 times per year. Each year, they repeatedly request proof of insurance and proof of real estate tax payment approximately 4 times in a row, despite the fact that I send these proofs each time.I have attempted to send documents by mail, fax, and email. 

In XX/XX/2020, I filled out the certificate of occupancy by hand and mailed it. Weeks later, I was accused of not having sent it. When I offered to send it by email attachment, a XXXX XXXX sent me an email request in XX/XX/2020. I typed into the .pdf of the certificate of occupancy and signed it by hand, then attached it to my return email. On XX/XX/2020, Ms. XXXX called to say that the date had to be handwritten in, not typed. I immediately emailed an attached 2nd copy with the date written in. A couple months after that, Ms. XXXX called to say she did not recognize my signature. It is my signature. She insisted I go to a notary. I explained that I did not want to go to a notary because of the Covid-19 epidemic. 

In XX/XX/2020, a XXXX XXXX from the company called me with the same demand for a signed certificate of occupancy. This time she told me to send a copy of my utilities bill attached to an email instead as proof of my occupancy. I did this promptly. 

Right before leaving for vacation about 3 weeks ago, I received a XXXX from said XXXX XXXX dated XX/XX/2020, demanding that I AGAIN sign the same Certificate of Occupancy. It offered the option of faxing my response but did not provide any fax number. I had to call the company to get that number, and then I faxed the same signed form, again, dated XX/XX/2020. I have uploaded 3 documents that show they received the same information on XX/XX/XXXX and XX/XX/XXXX. But they also demanded the same information 3 more times. 

To me, these constant repeated demands seem like harassment. A few months ago, the company went through bankruptcy. This behavior, demanding the same documents again and again, have increased since then. I live in my home and am never absent from it for more than a a month of two,  during summer. No one else rents it. I feel that I am being harassed in a desperate attempt to foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing some items on my credit report consistently for almost a year now and I haven't received any results or response throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing some items on my credit report consistently for almost a year now and I haven't received any results or response throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2020 I received a telephone call ( on my home phone ) from XXXX, indicating that a fraudulent purchase was made on my XXXX account for an XXXX. I indicated that I did not make any purchase. The person indicated that in order to refund my " purchase '' I would need to give him some information to be sent to the Billing Dept. While on the phone, I looked at my account through my mobile app ( cell phone ) to see if any charges were made. I did not see any and as I was closing my account he started to tell me what to do in my account. He proceeded to say that my account was frozen and he needed me to transfer money in order to get my money back. I immediately closed my account app and told him the information was incorrect. I hung up the phone. 

I called TD bank to ask about any charges and if my account was frozen. I spoke to XXXX who told me my account was fine. I explained to her of some seemingly fraudulent activity and asked if she can put a hold on my account for a charge as explained to me for an XXXX. I asked if a note could be made to link to my account. Worried, I even called back to TD Bank and spoke to XXXX explaining this activity and to note it on the account. Unfortunately, I did not get last names but spoke to 2 representatives about this concern, This man called me back and asked me again to provide him with information and I did not take his call. 
A charge was made to a XXXX account XXXX XXXX, XXXX, for {$500.00}. I did not authorize this charge and my bank has denied my claim. 
I do not use XXXX nor do I have any friends that use it. I do not know a XXXX XXXX. 
The next day XXXX XX/XX/2020 ) I looked in my account app and a charge of {$500.00} was paid to this person in AZ. 
Although I asked for my account to reflect this fraudulent activity my bank did not make any effort to stop this payment. 
On XX/XX/2020 I received a letter from TD Bank denying my claim of fraudulent activity. 
They advised me to file a police report. 
I am reaching out to you because I do not feel protected by my bank as it seems that this incident should raise a red flag because I have never used XXXX and my bank should know this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I was in need of a balance transfer card for XXXX, found the AMEX everyday card that advertised 0 % APR for 15 months and no balance transfer fee. Sounded great so I tried to apply to see what I was approved for. While I was waiting I read some reviews and found out there was a {$5000.00} balance transfer limit. This was not advertised anywhere and will not work for my purposes! 

Come to find out I was already approved! I had to open and close an account which will hurt my credit I believe. Even though the application was submitted minutes ago they had no ability to cancel it. 

They need to first off advertise they key features of the card better! At the very least they should make a distinction between applying and accepting a card offer!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: ACS Education Services
State: NY

Complaint narrative:
I was on forberance dor several years following the information that was given to me by acs and the years in a row i have in total i have 11 late payment when my loan was suppose to be on some sort of forberance. Its has a great impact on my credit report and i cant seem to get it currected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY FINANCE CORP
State: MO

Complaint narrative:
Company keeps putting hard inquiries on my report every month. I have fell under hardship due to pandemic. My last payment was XXXX XXXX. I do owe XXXX out of XXXX loan. I think the constant hard inquiries are uncalled for and illegal. They are purposely ruining peoples 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 2020-08-17 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 for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$160.00} XXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$2300.00} DEPTEDXXXX  XXXX {$5200.00} XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXXXXXX {$3500.00} DEPTEDXXXX  XXXX {$4200.00} DEPTEDXXXX   XXXX {$1200.00} DEPTEDXXXX XXXXXXXX {$1000.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX  XXXX {$5600.00} DEPTEDXXXX   XXXX {$4400.00} XXXX XXXX {$2600.00} DEPTEDXXXX   XXXX {$4600.00}

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 2020-08-17 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 for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$160.00} XXXX XXXXXXXX {$3400.00} DEPTEDXXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$2300.00} DEPTEDXXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$4200.00} DEPTEDXXXX   XXXX {$1200.00} DEPTEDXXXX XXXX {$1000.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX  XXXX {$4500.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX  XXXX {$5600.00} DEPTEDXXXX   XXXX {$4400.00} XXXX XXXX {$2600.00} DEPTEDXXXX   XXXX {$4600.00}

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 2020-08-17 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: KY

Complaint narrative:
In XXXX of XXXX a collection account through XXXX XXXX XXXX  in the amount of XXXX was placed back on my credit report. This collection account with XXXX XXXX as the original creditor was removed in XXXX. I was not notified by XXXX, XXXX, or Transunion that this collection would be placed back on my credit file.

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 2020-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I test drove a XXXX  XXXX  and signed to buy. The next day it would not start. The dealer picked it up. It's been 21 days. I think it may have been in a flood so there are un fixable electric issues

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ever since the data breach in 2017, I have submitted SEVERAL disputes to Equifax for reporting erroneous information on my credit file. Accounts that have been paid and closed still reporting open three months later. Accounts that were in collections that were disputed as not mine and deleted are reported again. Accounts that are showing charged off when they are not but are in fact paid in full. Equifax has even listed my husband 's credit file as MINE and that took an act of congress to get it corrected! I call Equifax every month and no one will help me. There are HUNDREDS of inquiries on my credit file I did not authorize and I submit disputes and Equifax does not remove them. Equifax is THE WORST reporting agency out of the three. Consumers are at their mercy to get report information updated accurately. I submit disputes EVERY month to Equifax and have documentation showing PROOF items are paid in full or deleted but they will not accept them. They keep telling me I have to submit a dispute. Equifax 's mishandling of my credit file has cost me the ability to purchase a home. If a consumer has DOCUMENTED proof of accounts paid in full or items have been disputed with them and deleted, Equifax has a duty to accept these documents and make the corrections accordingly. They NEVER update credit files every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was on forberance dor several years following the information that was given to me by XXXX and the years in a row i have in total i have XXXX late payment when my loan was suppose to be on some sort of forberance. Its has a great impact on my credit report and i cant seem to get it currected.

Company response to consumer: Closed with explanation