vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 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:
I was made aware of an account from XXXX XXXX XXXX today XX/XX/20 when I was denied form getting a loan at XXXX. I had no idea this account was on my credit report reflecting badly because I did not open it. This account does not belong to me and I have reason to believe that it was opened without my permission. I never opened an account with that company and I have never authorized them to run/access my credit. I did not benefit anything from this account such as money, goods, services or any other benefit. I filed a police report regarding this unauthorized account.

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 2020-03-13 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:
I was made aware of an account from XXXX XXXX XXXX today XX/XX/20 when I was denied form getting a loan at XXXX. I had no idea this account was on my credit report reflecting badly because I did not open it. This account does not belong to me and I have reason to believe that it was opened without my permission. I never opened an account with that company and I have never authorized them to run/access my credit. I did not benefit anything from this account such as money, goods, services or any other benefit. I filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed several times about the derogatory marks on my reports which include XXXX  ( XXXX  XXXX  in the amount : {$670.00} and XXXX XXXX in the amount : {$560.00} ) Equifax ( XXXX amount : {$670.00} ) and XXXX  ( XXXX XXXX XXXX in the amount : {$660.00}, XXXX   XXXX  in the amount : {$670.00}, XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$470.00} ) .I have also disputed with the furnishers by sending in affdavits in reference to the FDCPA section 1692g and 1692e.I never received any information.This is violation of the FCRA reporting false information with no proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Reviewed credit report in XX/XX/2019 and found a XXXX Credit Card was opened using my personal information. Contacted credit bureaus to remove information and was denied due to verification from creditor. No evidence of verification was produced. Contacted XXXX XXXX directly and they are refusing to close account and remove from credit reports. I have requested numerous times to produce evidence and no evidence has been given showing the account belongs to me. I filed a police report, a complaint with the FTC and complaint with IC3 and  mailed all the complaints along with a letter and verification information ( License, social security card and current bill ) to both credit bureaus and creditor and the account still has not been removed.

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 2020-03-13 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: UT

Complaint narrative:
Peaks # XXXX is reporting a charged off account to my report that I have never heard of. I did not even know this account existed until I had my credit pulled and saw it on there. I've never received any form of notice or information about this account. I went to XXXX and they erroneously opened the loan, it is not mine. I have never had a loan through them nor did I sign anything. I am part of the class action law suit that was taken against them. This account is not mine and I need it removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA confirms to collect a debt USAA temporary credits will REMAIN permanet. 
See attatched XX/XX/XXXX STATEMENT ONLY CREDITS {$340.00} ARE FROM MERCHANTS. USAA DESTROYED MY CREDIT TO COLLECT WHAT IS NOT OWED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
The fed loan servicing agency is mismanaging my loans. 

I had started student loan repayment in XX/XX/XXXX and signed up for autodebit. I have made payments on time every month, re-certified my pay yearly before XXXX which is when I went into repayment, and submitted my employment certification yearly. About 1.5 years into payment I noticed they were not counting my payments correctly and called the fed loan contact number and was told it would take over 1 year to review. I therefore called the ombudsman line for fed loan and they opened a review and were able to get my payments counted correctly. 

A new problem arose in late XXXX when I again re-certified my pay before the deadline in XX/XX/XXXX. I began the process of repayment in XX/XX/XXXX and was told I need to re-certify every 12 months. I have proof that I recertified every year in XXXX. They claimed I didn't recertify on time and capitalized my interest after this past year and are threatening to now go back for XXXX and XXXX and review and capitalize the interest for those years too. When I complained they said that they sent emails saying I needed to certify by a certain date. This is confusing to say within 12 months and then to send emails saying they want you to certify by a specific date. This is criminal and mismanagement of my account. I shouldn't have my interest capitalized because they are not clear in their rules about re-certification. Fed loan does not provide clear information about the definition about what re-certify in 12 months means. They are doing everything possible to make this a predatory practice. They expect borrowers to jump through hoops but they have no accountability themselves and purposely try to undermine borrowers from completing the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: WA

Complaint narrative:
As a borrower, I have been paying back my student loan debt ; however, and per usual Fedloan has not acknowledged any aspect of my complaint - that I have not been credited for payments totaling over {$26000.00} + over {$3000.00} in accruing interest. 

When I contacted FedLoan again throughout XX/XX/XXXX - and since XXXX - the statement Fedloan mailed to me on XX/XX/XXXX is missing {$26000.00} + over {$3000.00} in accruing interest and the response I receive is keep submitting additional records. 

I have years of detailed records showing my payment history and Fedloan mistakes. 

I am asking for assistance and protections granted to borrowers under the law. 

Thank for so much for your time and consideration in this mater. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. The amount reporting is incorrect and needs to be reporting a {$0.00} balance. I contacted XXXX and they told me they had no information as to whereabouts of the vehicle and whether or not the vehicle was sold. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
In XXXX, 2019 the house went into foreclosure due to financial issues. My ex-husband had taken out the mortgage, while we were married, in his name only. I filed with the court and mortgage company to get the loan put into my name. A modification was put into motion. After completing the 3 month trial, it was finalized - however, the amount was for close to {$8000.00} more than was owed originally. I was told that there would be NO additional fees to the modification. Upon seeing the final modification papers, I was under the impression that once the first permanent payment was made the loan would go back to the original $ XXXX. I even noted this in correspondence with the mortgage company in an email that included their attorneys and the magistrate overseeing the case. Since then the amount has not been fixed. In XXXX, 2019, I had a phone conference with XXXX XXXX and XXXX XXXX, of Flagstar Bank. It was explained that I would be given a trial modification for XXXX, XXXX and XXXX and provided I met the requirements, the loan would be modified in XXXX permanently. I was told that any late fees, penalties, etc my ex-husband owed would not be put on the loan or be my responsibility. XXXX, XXXX and XXXX, I made payments. When I got the modification in XXXX it was for {$99000.00} - it was my understanding that it would return to the {$91000.00} balance once XXXX XXXX payment was received. I have tried to contact Mr. XXXX several times with no luck. Attached you will find the transactions on the loan, modification, emails and confirmations of messages to and from all parties involved. Last attempt was XX/XX/XXXX -I have received NO response. 

My original complaint : XXXX was dismissed for the very issues I am complaining about. Your response was : The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

BUT they have had this authorization since last Summer and I have re-sent it several times. I am not only resending the original documents but also the signed authorization they keep claiming they need. 

Also the trial agreement, which clearly states ( Section 4 ) that additional charges can not and will not be added to the mortgage.

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 2020-03-13 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: TN

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. The amount reporting is incorrect and needs to be reporting a {$0.00} balance. I contacted XXXX and they told me they had no information as to whereabouts of the vehicle and whether or not the vehicle was sold. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. The amount reporting is incorrect and needs to be reporting a {$0.00} balance. I contacted XXXX and they told me they had no information as to whereabouts of the vehicle and whether or not the vehicle was sold. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
XXXX  XXXX XXXX ( XXXX XXXX XXXX ) sold my loan to Specialized Loan Servicing ( SLS ) without my knowledge in XX/XX/2019. I was not informed by either company that this had occurred. The only reason I found out it happened was by going to a XXXX  XXXX XXXX branch office. Although XXXX  XXXX XXXX has my current mailing address, both of these companies claim they mailed this notification to the address where the loan was taken out, which I haven't lived at for 13 years. Not only that, SLS filed a complaint against my credit report saying I was delinquent in XXXX when, as I said before, I didn't even know they had my loan so how could I make a payment? They placed an insurance policy on my house without my knowledge. I have informed them that I have insurance ( sent copy and had my insurance company FAX them the policy ( XX/XX/XXXX ) ) and pay my own property taxes and yet they still have an escrow account for me they want me to pay into. I paid them {$1300.00} on XX/XX/XXXX to bring my account current. My payments were {$460.00} per month with XXXX XXXX XXXX ( fixed rate ) and yet my payment for XXXX was {$740.00} on XX/XX/XXXX. A representative of this company informed my payments were to go up to {$810.00} in XXXX. According to a lawyer my payments should remain the same. I have no access to my account online and have been given the run around as to why this is so. They send no paper documentation to show what is happening with my account. I believe Specialized Loan Servicing is run by criminals who use fraud to steal people 's homes.

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 2020-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On Friday XX/XX/XXXX, at approximately XXXX XXXX XXXX, made a XXXX transaction to my bank account for {$500.00}. As per TD Bank 's Mobile App, the money was to be deposited in my account " within minutes '' as it always has been with XXXX since the very beginning. The whole purpose of XXXX is to receive and send money instantly. We have used this service several times and there was never an issue. On XX/XX/XXXX at approximately XXXX I spoke to XXXX a supervisor at TD Bank. There were numerous excuses given regarding their policy and XXXX 's policy. Point of the matter is this : TD Bank allows XXXX to tell customers " available within minutes '' when sending a transaction and once the transaction is processed, the customer receives an email advising the money won't be available for 3 days. " next business day ''. this is defrauding customers who use the XXXX service on TD bank mobile app. Furthermore, no one at TD bank could tell me where the money is located. The monies have been taken out the sender 's account and not put back nor deposited where it should be. Who gave authorization to XXXX or TD Bank to Hold on to the money? TD will not accommodate customers, their response is we can cancel the XXXX transaction and you can resend the money with hopes that it will be available within minutes and if not oh well you have to wait 3 business days for the transaction to " clear '' it was a money transfer from TD bank to TD Bank-wait for it to clear? TD Bank did not want to take the extra step to contact XXXX Thier response to get me off the phone was " Ma'am there is nothing we can do about it '' meanwhile, about 3 weeks ago I was a victum of fraud were almost $ 5k came out of my account and what do you know that was instant, " within minutes '' as XXXX likes to portray.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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:
I reviewed my credit report and still see a account that was part of my identity theft case.

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
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Autovest, L.L.C.
State: NC

Complaint narrative:
Autovest LLC.Debt Company XXXX XXXX  ( XXXX ) XXXX court docket # XXXX XXXX XXXX  District Court of Maryland XXXX, garnishment judgment for $ XXXX= ( {$8200.00} ) ( {$6500.00} ) + $ XXXXcourt cost fees for a repossessed car Auto loan from XXXX, They went to court on XX/XX/XXXX. I was living in Virginia then and debt pass 7 years old or  repossessed no longer liable. I was never informed or live in this state MD, never received subpoenas for court dates.

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 2020-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target marked a payment as late. what happened is they attempted to charge a bank account that was removed several months previously. They did not attempt to charge a current account. I called Target and they fixed the issue and said it would not appear on my credit report. But then it did so I called them again and they said they would remove it and yet they did not. 

due to an error on their side there is a false late 30-day payment mark that needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chaos Home Loans LLC
State: MI

Complaint narrative:
On XX/XX/2020 XXXX called me and inquiring how my VA loan was going. I thought he was from my employer. So, I realized he was not from my employer after already giving him my social security number and birthdate as well as my husbands. I told him I was not interested in applying for a loan as I misunderstood who he was and that I would obviously originate a loan with my employer instead of them. I told him to make sure all information about my husband and myself be deleted. On XX/XX/2020, after talking with my husband, I called XXXX at the phone number shown on my recent phone calls : XXXX XXXX MI. I asked what the name of the company was and the NMLS #. A XXXX XXXX said it was XXXX XXXX  XXXX  and hung up when I asked the NMLS #. I called again and they said the company name was Chaos Home Loans. Then I would have to wait for a call back from their loan officer. I left another phone message to call me and have not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: GA

Complaint narrative:
I have disputed several times about the derogatory marks on my reports which include Transunion ( XXXX  XXXX  in the amount : {$670.00} and XXXX XXXX in the amount : {$560.00} ) XXXX  ( XXXX amount : {$670.00} ) and XXXX  ( XXXX XXXX XXXX in the amount : {$660.00}, XXXX   XXXX  in the amount : {$670.00}, XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$470.00} ) .I have also disputed with the furnishers by sending in affdavits in reference to the FDCPA section 1692g and 1692e.I never received any information.This is violation of the FCRA reporting false information with no proper verification.

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