vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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: CO

Complaint narrative:
On XX/XX/2020, I submitted our mortgage payment on CHFA ( Colorado Housing Finance Authority/ XXXX XXXX XXXX the payment processor 's website. I was assured we would not be considered 30 days late as long as we submitted it by XX/XX/XXXX, and that the payment was received and applied on XX/XX/2020. In the following 5 days I called CHFA/XXXX to see why the money had not left our acct, and was told it was not a problem, it sometimes took up to 10 days to process, but not to worry, the payment was counted from the date of submission. Finally on XX/XX/XXXX, I got a notification from XXXX XXXX that my score had dropped almost 90 pts. Upon checking I found out that CHFA/ XXXX had reported a thirty day late payment days earlier. When I called and asked them why they had done that and not told me, they said it was done because they could not get a response to get the money from our bank. When we proved we had the money, upon checking through their customer service I was asked what the routing and acct number was. The agent said their web services had given one incorrect routing number. Upon checking with XXXX XXXX, they told us it was never presented for payment, and they had not received any call to find out how to resolve or receive the payment from them. We were told at various times over the next 5 months by CHFA XXXX customer service agents that this late payment should be considered a Bank / mortgage, clerical error, and should be removed from the credit bureaus. We submitted our proof of payments to them, the receipts of payment and application of payment, and made up the payment immediately as well as the next payment due in XXXX. But though we followed all their complaint and removal procedures, they refused to remove the 30 day late, and insisted on doing this when they have no proof that we commited any error and we in turn have proof of the payments all being on time in our mortgage statement and correspondence from them, including statements saying they had received and applied the payment successfully. 
They are feeling thousands of dollars over the course if the mortgage by trapping us in their high interest mortgage and keeping us from refinancing. We have found out other clients of theirs have also been denied credit when they discovered the same type of 30 day late payment processing errors on their credit reports. They are not following the FCRA reporting law.

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 2020-08-25 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: CO

Complaint narrative:
On XX/XX/2020, I submitted our mortgage payment on CHFA ( Colorado Housing Finance Authority/ XXXX XXXX XXXX the payment processor 's website. I was assured we would not be considered 30 days late as long as we submitted it by XX/XX/XXXX, and that the payment was received and applied on XX/XX/2020. In the following 5 days I called CHFA/XXXX to see why the money had not left our acct, and was told it was not a problem, it sometimes took up to 10 days to process, but not to worry, the payment was counted from the date of submission. Finally on XX/XX/XXXX, I got a notification from XXXX XXXX that my score had dropped almost 90 pts. Upon checking I found out that CHFA/ XXXX had reported a thirty day late payment days earlier. When I called and asked them why they had done that and not told me, they said it was done because they could not get a response to get the money from our bank. When we proved we had the money, upon checking through their customer service I was asked what the routing and acct number was. The agent said their web services had given one incorrect routing number. Upon checking with XXXX XXXX, they told us it was never presented for payment, and they had not received any call to find out how to resolve or receive the payment from them. We were told at various times over the next 5 months by CHFA XXXX customer service agents that this late payment should be considered a Bank / mortgage, clerical error, and should be removed from the credit bureaus. We submitted our proof of payments to them, the receipts of payment and application of payment, and made up the payment immediately as well as the next payment due in XXXX. But though we followed all their complaint and removal procedures, they refused to remove the 30 day late, and insisted on doing this when they have no proof that we commited any error and we in turn have proof of the payments all being on time in our mortgage statement and correspondence from them, including statements saying they had received and applied the payment successfully. 
They are feeling thousands of dollars over the course if the mortgage by trapping us in their high interest mortgage and keeping us from refinancing. We have found out other clients of theirs have also been denied credit when they discovered the same type of 30 day late payment processing errors on their credit reports. They are not following the FCRA reporting law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: NY

Complaint narrative:
I would like to describe what happened to me, but I truly do not have much to say. I am not aware of any accounts that is on my credit report. I never gave anyone permission to use my social security and post information about my credit to anyone. On XX/XX/2020 I sent dispute LETTERS to the Credit agency 's : Transunion, XXXX, and XXXX. They still have not answered my request. The information on my report must come off 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
Consumer complaint received 2020-08-25 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: NY

Complaint narrative:
I would like to describe what happened to me, but I truly do not have much to say. I am not aware of any accounts that is on my credit report. I never gave anyone permission to use my social security and post information about my credit to anyone. On XX/XX/2020 I sent dispute LETTERS to the Credit agency 's : XXXX, Experian, and XXXX. They still have not answered my request. The information on my report must come off 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
Consumer complaint received 2020-08-25 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:
I have tried to contact Equifax several times to have an accurate report. Unfortunately they insist on reporting wrong information. Please help me. At this point I am having trouble getting credit balance is shows. Again I have made equal aware of this for over a year and they insist on making it hard for me to get credit knowing because of it I am struggling with my business. They are doing this on purpose because I have made them award several times and now they are duplicating collection accounts so it shows my credit is very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: GA

Complaint narrative:
All 3 credit reporting agencies, XXXX, TransUnion and XXXX are showing 2 mortgages fro me when we only have one. We refinanced in XXXX, XXXX XXXX XXXX  was the first mortgage holder but them immediately transferred it to XXXX XXXX. The balance was approximately {$310000.00}. So the agencies are reporting 2 mortgages which though we are rated Exceptional still on credit worthiness, i has knocked my score down based on comments on their websites. I mean why to these companies get to charge for incorrect information. We would be better off with 1 that actually was corrrect 95 % of the time.The information is currently incorrect on each reporting service.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
[ Case number : XXXX ] Hello, I filed with CFPB and I do not believe the CFPB handled it legally. 

I was defrauded by Capital One, they told me my payment was cancelled. They then admitted to the CFPB that they in fact did lie to me. They admitted they did not cancel the payment. 

CFPB then closed my case. Their explanation did not explain why on XX/XX/XXXX the supervisor who took my payment of {$200.00} promised me that my payment of {$200.00} on XX/XX/XXXX was cancelled. She obviously lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: NY

Complaint narrative:
I recently opened up a credit monitoring site and notice I have some accounts listed on my credit report which doesn't belong to me. I never applied or gave anyone access to my personal information to apply for any of these credit cards or loans. My attorney advised me to file a report to get these fraudulent accounts off my report. Below are the accounts reporting to my credit report which does not belong to me. 

account name- date opened- amount XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: NY

Complaint narrative:
I recently opened up a credit monitoring site and notice I have some accounts listed on my credit report which doesn't belong to me. I never applied or gave anyone access to my personal information to apply for any of these credit cards or loans. My attorney advised me to file a report to get these fraudulent accounts off my report. Below are the accounts reporting to my credit report which does not belong to me.

account name- date opened- amount CXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-08-25 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: GA

Complaint narrative:
To whom it may concern, the below credit inquires on my credit report were not authorized by myself. I have communicated with the companies personally and have all stated that there is no record of an inquiry in their system. I am asking that Transunion honor my word that the below are fraudulent inquires and remove them as requested through their dispute services on several occasions and the credit agency have not responded correctly. 

Inquires that are fraudulent : XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/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 2020-08-25 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I had a credit card with TD Bank USA / Target Stores. TD Bank / Target is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a XXXX Off if it has a XXXX  balance? 

Target and TD Bank have refused to correct this error. I have disputed it numerous times. But Target and TD Bank have refused to correct the error.

I am attaching a letter with a copy of the statement showing a XXXX balance sent by Target / TD Bank date XXXX. This should serve as proof of the mistake by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I downloaded the Paypal business invoicing software, and it said that payments take 3-5 days since i'm a new client. I agreed to that since the client wanted to pay via my new paypal invoice that I sent over. The amount was for {$2000.00} in which {$1900.00} should have been available by tomorrow, XXXX. Instead, now the invoicing software changed it to 21 days, and under the same wordage as before. It says that since I am a new customer, that it will take 21 days for the money to clear. I did not agree to them keeping my money for three weeks, and even after the money went on Paypal it would still take time for it to clear to the bank. This is unacceptable and it is not a conspiracy theory that they will be using this money to put into stocks, paypal loans, currencies, gold or silver. This is a serious bait and switch and I am a XXXX XXXX and now there are two hurricanes on the way, and they took all my money and will be likely loaning it out to other people. The actual physical payment was made XXXX. I read the information via my app on my XXXX, but this should not be so drastically different than when I am currently on my paypal invoicing software on a desktop, as I am currently. I do not think this is a coincident in the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: GA

Complaint narrative:
All 3 credit reporting agencies, XXXX XXXX and Equifax are showing 2 mortgages fro me when we only have one. We refinanced in XXXX, XXXX XXXX XXXX was the first mortgage holder but them immediately transferred it to XXXX XXXX. The balance was approximately {$310000.00}. So the agencies are reporting 2 mortgages which though we are rated Exceptional still on credit worthiness, i has knocked my score down based on comments on their websites. I mean why to these companies get to charge for incorrect information. We would be better off with 1 that actually was corrrect 95 % of the time.The information is currently incorrect on each reporting service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: GA

Complaint narrative:
All 3 credit reporting agencies, Experian, XXXX  and XXXX  are showing 2 mortgages fro me when we only have one. We refinanced in XXXX, XXXX XXXX XXXX was the first mortgage holder but them immediately transferred it to XXXX XXXX. The balance was approximately {$310000.00}. So the agencies are reporting 2 mortgages which though we are rated Exceptional still on credit worthiness, i has knocked my score down based on comments on their websites. I mean why to these companies get to charge for incorrect information. We would be better off with 1 that actually was corrrect 95 % of the time.The information is currently incorrect on each reporting service.

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 2020-08-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COAST PROFESSIONAL, INC.
State: UT

Complaint narrative:
Coast Professional again has sent a letter dated XX/XX/2020 demanding an alleged debt to be paid. I have filed several complaints with the CFPB and XXXX, requesting Coast Professional contact the XXXX XXXX police department to get more detailed information as the debt they are claiming is a direct result of identity theft and fraud. XXXX XXXX XXXX college failed to contact the local police department as well, as I never received any form of payments nor requested funds from XXXX. If there was any debt in my name it was due to fraud. I have sent Coast professional police reports to understand the situation I gone through. I am seeking immediate cease and desist of all contact and removal of this debt from my name. If you haven't completed a detailed investigation by contacting the police department retrieving police reports then you as a company haven't done your job under the FDCPA. This is a willful and direct violation. Im attaching another detailed report that list accounts compromised and stolen and used without my permission. MARKING THIS COMPLAINT AS AN DUPLICATE and ignoring your duty as a debt collector, I will seek damages in THIRD DISTRICT COURT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
XX/XX/XXXX we submitted a full short sale package. No one answers the phone at the servicer. On XX/XX/XXXX we finally got through someone who said the package was received on XX/XX/XXXX, however, the file wasn't assigned or reviewed. It is our understanding that when a package is confirmed RECEIVED the servicer has 5 days to respond to us to let us know what is missing. It has been almost a month XXXX Loss mitigation procedures. 

We are filing a complaint because the servicer received a loss mitigation application request on XX/XX/2020. They are currently in violation of 1024.41 ( b ) ( 2 ) ( i ) - Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options. 

As of todays date the servicer has not stated in writing whether the application is complete, incomplete or stated whether and or what additional documents are needed to complete the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
Kia Motor Finance sent a repo truck at XXXX XXXX  who knocked on our door and woke everyone up. When we refused to allow him in the garage he threatened to call the police to make us. He sat parked at the end of our driveway for almost 4 hours.

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