vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had an account with XXXX XXXX. I sold the home on XX/XX/2019. I received a bill for charges incurred in XXXX and XXXX of 2019. I contacted XXXX XXXX to let them know the account was closed and I didnt own the home where the charges were accruing. I supplied the documentation showing the home being sold with the information of the new owner. The charges were supposed to be removed from my account and the account was to be closed. The account was closed but the charges were not removed. I checked my credit report and saw there was a collection amount for {$120.00}. I contacted the collection agency and gave the same information. I disputed the account on my credit report. The account was removed and then reinserted. These charge doesnt belong to me and is negatively impacting my work and ability to acquire credit. This is unacceptable. I disputed the collection again in XXXX. The dispute is still open and the collection agency ( XXXX XXXX ) says there is nothing can do until it is over. I do not own this debt and have given the documentation to prove it. The collection needs to be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: 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: NY

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
To whom it may concern, I recently received an unsolicited phone call from my current mortgage company Freedom Mortgage. Their representatives called and offered to refinance my mortgage from a 3.25 % interstate loan to a 2.75 % interest rate with approximately XXXX in closing costs. I was promised that I would not loose credit for the 5 yrs I've paid into my loan and I would have any overage in my escrow account returned to me. When I got my initial disclosures everything looked fine. A representative called from the company and advised me to stop my auto draft, because I wouldn't have a mortgage payment due in XXXX. so I did. While on the phone, I had several questions about the disclosure that he was not able to answer, but assured me I would get another disclosure 3 days prior to closing.As my closing date got closer and I hadn't seen my final disclosure, soI reached out to my loan officer. I sent emails and made several calls, that I got no response to. On the day of my closing I had a completely different loan. My loan term went from 25 to 30 yrs, my closing costs when from XXXX to XXXX and they took my escrow and applied it to my loan when I was promised that wouldn't happen. I just paid a shortage of XXXX to keep my mortgage note as low as possible during these uncertain times. My wife and I are both healthcare professionals who risk our health and life on a daily basis as we fight this pandemic. Mortgage companies shouldn't be acting reckless during a time like this. We feel like Freedom mortgage intentionally lied to us, hoping we would got through with a bad loan. We thank you for your assistance in this matter.Stay safe and GOD Bless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Wise Recovery Solution LLC
State: CA

Complaint narrative:
Hello. I need your help. When I received my stimulus check of {$1200.00} dollars I paid two credit cards off. hoping to better my credit score and purchasing power to buy a house.. One card from XXXX and the other from XXXX XXXX. Creditwise is connected to XXXX. The Creditwise app asked me to look and update my credit information. Before I pushed the button on my phone.my score with them was XXXX. I paid off 2 credit cards and my score went down 61 points! This upset me greatly. I called XXXX to find out what happened they called creditwise because the score drop was alot.. No answer. I called creditwise a few days later talked with an agent she couldn't understand why the score dropped and gave me to her supervisor and she could not understand why also. I receive a note from creditwise with a graph showing the points that dropped. They congratulate me for ontime NO LATE PAYMENTS for 43 months. As you can see it took years to achieve a perfect record for payments. And because I paid off the credit 2 cards with the lessor amounts I lose XXXX points? I did not cancel the cards. How is that FAIR? 
TO ME THIS RUINS ALL THAT I WORKED FOR,. THE TIME USED, AND THE THINGS I SUFFERED. JUST GONE! 
When I first started out to improve my credit score, I got a platinum card from XXXX XXXX.my score was about 640. I made a couple of purchases to get the account going and the card usage was not close to the 30 % and in about 3 months later I looked at my credit score and it went down to from about 640 to XXXX. I lost XXXX points, I called and called and called, Creditwise and XXXX and I could get no answer, except they said they don't know why, for such a great drop, That was from the personnel I spoke to from both companies Now I'm faced with the same thing. My points dropped alot and I made ontime payments.for 43 months, and that's what they told me from creditwise. I use the XXXX  account to buy a camera to make videos. the payment was {$42.00} a month for 12 months for {$510.00} starting from XX/XX/2020. I received a statement last month stating I have to make payments {$81.00}. Why the change? I don't know. This is the month of XXXX and I owed {$410.00}. This is surely a bad deal. So I paid them off with the stimulus check.along with the balance from XXXX XXXX card. And that's when My Score took a serious and unfair dive. I did noting wrong to deserve this action. 
One more thing. I used the platinum for XXXX  XXXX I had paid off, And I used the card for XXXX XXXX and I gain 8 points! 
Please HELP! I need it badly ... Is this punishment for paying creditors?

Company response to consumer: Untimely response
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, Great Lakes added a remark to my account that dropped my credit score 26 points ( XXXX ) and 20 points ( XXXX ). It was the only change on my report, and I'd done nothing differently- I was up to date on payments and hadn't requested a deferment or forbearance. 
I tried to contest it with the major credit bureaus on XX/XX/XXXX, with no luck. 
On XX/XX/XXXX, Great Lakes removed the remark from my account, which combined with other things ( credit card payments decreasing my balances, a hard inquiry expiring ) raised my score 20 points ( XXXX ). Still haven't gotten the points back on XXXX. 
The erroneous mark dropped my score so much, and it hasn't recovered totally. I should have gotten those points back, but I didn't. 
Great Lakes hasn't communicated with me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX XXXXXXXX {$370.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXXXXXX {$440.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I had an account with XXXX XXXX. I sold the home on XX/XX/2019. I received a bill for charges incurred in XXXX and XXXX of 2019. I contacted XXXX XXXX to let them know the account was closed and I didnt own the home where the charges were accruing. I supplied the documentation showing the home being sold with the information of the new owner. The charges were supposed to be removed from my account and the account was to be closed. The account was closed but the charges were not removed. I checked my credit report and saw there was a collection amount for {$120.00}. I contacted the collection agency and gave the same information. I disputed the account on my credit report. The account was removed and then reinserted. These charge doesnt belong to me and is negatively impacting my work and ability to acquire credit. This is unacceptable. I disputed the collection again in XXXX. The dispute is still open and the collection agency ( XXXX XXXX  ) says there is nothing can do until it is over. I do not own this debt and have given the documentation to prove it. The collection needs to be removed from my report.

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

Complaint narrative:
I had an account with XXXX XXXX. I sold the home on XX/XX/2019. I received a bill for charges incurred in XXXX and XXXX of 2019. I contacted XXXX XXXX to let them know the account was closed and I didnt own the home where the charges were accruing. I supplied the documentation showing the home being sold with the information of the new owner. The charges were supposed to be removed from my account and the account was to be closed. The account was closed but the charges were not removed. I checked my credit report and saw there was a collection amount for {$120.00}. I contacted the collection agency and gave the same information. I disputed the account on my credit report. The account was removed and then reinserted. These charge doesnt belong to me and is negatively impacting my work and ability to acquire credit. This is unacceptable. I disputed the collection again in XXXX. The dispute is still open and the collection agency ( XXXX XXXX ) says there is nothing can do until it is over. I do not own this debt and have given the documentation to prove it. The collection needs to be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
XXXX promised that if they give me a 3 months break on my mortgage due to coronavirus my finances would not be affected and nothing negative would be reported on my credit report. Now I am trying to refinance and Rocket Mortgage says they can not help me at all because my credit history says NEGATIVELY that my account with XXXX is in forbearance. 
So effectively XXXX lied to me and this is affecting my credit history negatively. Why was this reported to the credit agencies? I am very angry because it was a simple click on their website and now I am suffering more. 
I still have a job. My sister in Hawaii used her XXXX   income to help my parents, because of coronavirus she is not getting that income and that's when I stepped in, but if I knew there would be such huge consequences I would have found an alternative way. 
So all in all so far I didn't pay 2 mortgage payments and I was planning to continue regular payments after 1 more  month. My mortgage is only $ XXXX/month, but with this XXXX short coming I would be hurt for years and it will waste a lot of my time fighting them Please help.

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

Complaint narrative:
XXXX promised that if they give me a 3 months break on my mortgage due to coronavirus my finances would not be affected and nothing negative would be reported on my credit report. Now I am trying to refinance and XXXX XXXX  says they can not help me at all because my credit history says NEGATIVELY that my account with XXXX is in forbearance. 
So effectively XXXX lied to me and this is affecting my credit history negatively. Why was this reported to the credit agencies? I am very angry because it was a simple click on their website and now I am suffering more. 
I still have a job. My sister in Hawaii used her XXXX   income to help my parents, because of coronavirus she is not getting that income and that's when I stepped in, but if I knew there would be such huge consequences I would have found an alternative way. 
So all in all so far I didn't pay 2 mortgage payments and I was planning to continue regular payments after 1 more month. My mortgage is only $ XXXX/month, but with this XXXX short coming I would be hurt for years and it will waste a lot of my time fighting them Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was involved in an identity theft incident and XXXX  DATA BREACH. I Have attached proof that this breach has caused harm to me. To my surprise, the criminals opened up accounts in my name that was never authorized by me. Please note that I provided the credit bureaus with the police report and the proof of my identity theft as well as proof directly from XXXX   that I was involved in the data breach which lead to my identity theft case. to no avail they refused to block the accounts temporarily while investigation which I know will be permanately removed. This is very frustrating and violates my consumer rights. Please don't say that you are still investigating because you have already passed the investigation time line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was involved in an identity theft incident and XXXX  DATA BREACH. I Have attached proof that this breach has caused harm to me. To my surprise, the criminals opened up accounts in my name that was never authorized by me. Please note that I provided the credit bureaus with the police report and the proof of my identity theft as well as proof directly from XXXX   that I was involved in the data breach which lead to my identity theft case. to no avail they refused to block the accounts temporarily while investigation which I know will be permanately removed. This is very frustrating and violates my consumer rights. Please don't say that you are still investigating because you have already passed the investigation time line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Original Creditor Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX  XXXX {$370.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$440.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX XXXX {$370.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$440.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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