vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 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: TX

Complaint narrative:
I received a XXXX XXXX from XXXX XXXX back in College in XXXX. It was transferred to XXXX. I have been fighting back and forth with intimidating customer service rep to get this loan taken care of. On XX/XX/XXXX I paid {$840.00} to the company to have my dad take off the loan. This was not a payment on the loan or at least that is what she informed me. I NEVER received a receipt, payment confirmation or there was nothing. She stated i would be responsible but my loan amount would be lowered. It was reported the same amount from XXXX. It has been 13 years since I have been dealing with this loans. There are so many different balances on each report. I I have requested payment updates, goodwill letters that was just sent XX/XX/XXXX, I have called multiple times and they keep reporting on my credit as delinquent as if it is a new loan. When I called on XX/XX/XXXX, she could not provide a reason and even after asking for assistance with the payment she gave me a collection agency number. It is so deceptive to report things like this. Its in charge off one month, the next month is failure to pay and the next it is 90 days past due. They keep reaging this loan each time it hit my credit report from another company. I have been trying to work with this company to no avail. This is affecting my score terribly.

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 2019-08-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a XXXX XXXX from XXXX XXXX back in College in XXXX. It was transferred to XXXX. I have been fighting back and forth with intimidating customer service rep to get this loan taken care of. On XX/XX/XXXX I paid {$840.00} to the company to have my dad take off the loan. This was not a payment on the loan or at least that is what she informed me. I NEVER received a receipt, payment confirmation or there was nothing. She stated i would be responsible but my loan amount would be lowered. It was reported the same amount from XXXX. It has been 13 years since I have been dealing with this loans. There are so many different balances on each report. I I have requested payment updates, goodwill letters that was just sent XX/XX/XXXX, I have called multiple times and they keep reporting on my credit as delinquent as if it is a new loan. When I called on XX/XX/XXXX, she could not provide a reason and even after asking for assistance with the payment she gave me a collection agency number. It is so deceptive to report things like this. Its in charge off one month, the next month is failure to pay and the next it is 90 days past due. They keep reaging this loan each time it hit my credit report from another company. I have been trying to work with this company to no avail. This is affecting my score terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Nationstar/MrCooper is reporting a late in 2016 that was not my fault. It was XXXX XXXX error. XXXX XXXX  has notified the mistake on their end. This late is not my fault and should be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: MA

Complaint narrative:
Dear Federal Trade Commission, I have written to Equifax on several occasions disputing the fact that the items listed below are incorrect. The credit bureau has either refused to respond, sent a frivolous letter, sent a working with a credit repair company letter, or continues to state that they have verified the debt. Let this be a formal complaint against the Equifax. The following accounts are the items the credit bureau has refused to investigate. 
Account 1 : Account Name : XXXX  Account Number : XXXX Date opened : XX/XX/XXXX Account 2 : Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX I am a victim of identity theft. These 2 accounts NEED to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: IL

Complaint narrative:
Viewed credit file with Experian in reference to XXXX XXXX  account showing charged off in the amount of {$520.00}

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 2019-08-22 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:
inaccurate information on credit report has not been removed from credit 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 2019-08-22 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: IL

Complaint narrative:
I have disputed a XXXX XXXX account that's on my credit report for a Year an a half now. Experian have Failed to provide me with Proof that this negative item is mine in Every dispute I asked for a written sign contract with my signature on it Experian have yet to give me the proper documentation that this Negative item is mine. I have contacted XXXX XXXX and they are NOT REPORTING this Negative account. XXXX and XXXX have removed it 6 months ago. Experian have Not did a proper investigation end NONE of my disputes if they have they will know that this shouldn't be on my Credit Report. THIS IS NOT A DUPLICATE DISPUTE THIS IS A COMPLAINT ABOUT EXPERIAN NOT DOING A PROPER INVESTIGATION AND VIOLATING THE FCRA. I want it deleted within 15 days.

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 2019-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: CA

Complaint narrative:
On XXXX XXXX and XX/XX/XXXX I went through a VA Loan process with DHI Mortgage of Texas and I was denied because of my XXXX status. 
Also, Lender Reps states my denial of VA Loan was rejected because it was also because of my filed and incircumstance Bankruptcy Chapter XXXX of XX/XX/XXXX and Foreclosure of XXXX XXXX XXXX XXXX.XXXX, Texas.XXXX. 

In which Foreclosure was unlawful conducted by the Law Firm of the VA XXXX XXXX XXXX XXXX to protect the best interest of XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX Texas, XXXX XXXX XXXX  XXXX XXXX, New Jersey in which VA Loan and Appraisal value was inflated to make a huge profit over {$80000.00} for builder. 

In regards of this respectful complaint against DHI Mortgage VA Loan consultant XXXX XXXX stated to my Texas Real Estate Agent XXXX XXXX XXXX that my VA Loan wasn't going to be approved because of my Bankruptcy, XXXX Status and Foreclosure. 
My Real Estate Agent had to refer me to VA Lenders to support me in obtaining a loan and purchase of XXXX new construction inventory home. 
DHI Mortgage and XXXX has a business partnership and for me to get the incentives for cost of closing cost paid in full, Washer & Dryer, Stainless Steel Refrigerator and blinds throughout the house and motor for garage door with remote control. 
I would have to go through DHI Mortgage.to get all the incentives and 2.9 percent buydown. 

Did DHI Mortgage violated my ADA Disability Civil Rights Act under the Department of Justice. 
I appreciate the support of XXXX builder Rep Mr.XXXX XXXX in supporting me as a Military Veteran in getting me financial Assistance through Home For Heroes and Military Veterans Programs through XXXX incentives. 
But respectfully I need much more financial incentives assistance to purchase the home to keep mortgage payments affordable under {$1600.00} a month with property tax and home insurance and HOA dues included in escrow. 
Full closing cost paid in full by DHI Mortgage and XXXX and less money out of my pocket is what I need to be in prosperity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: IL

Complaint narrative:
Viewed credit file through Experian in reference to XXXX XXXX ( XXXX XXXX XXXX ) account showing charged off in the amount of {$1400.00}

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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report on XX/XX/XXXX and noticed that a fraud alert had been placed on my file without my knowledge nor authorization beginning XXXX. I sent a letter via certified mail along with my driver 's license and a copy of my utility bill on XXXX requesting for the fraud alert to be removed. I received a letter from Experian dated XX/XX/XXXX basically stating I needed to send my written request again along with the same information I sent before with additional information.

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 2019-08-22 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: TX

Complaint narrative:
inaccurate information on credit report has not been removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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:
inaccurate information on credit report has not been removed from credit 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 2019-08-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I paid my XXXX  XXXX XXXX fully for the credit report showing delinquent on this account and on my credit report. I want this fix immediately because the report is a false statement before i get attorney involved. 
Thank you!

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 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase was verifying my account before making a purchase last week. After verifying me they went ahead and closed my business account. They said the reason was because rapid increase in revolving balances and too many requests for credit increases which I have not requested for any kind of credit or increase lines of credit. I have been using my card for only business transactions and paying it off just like anyone else would be using a credit card. They have discriminated against me by closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Hello I have been working with the company Loancare who currently is servicing my mortgage for about {$210000.00}. The property is about 11 acres and over the last few years I subdivided the property from one parcel to 5 parcels. After I subdivided the property I put 4 of the lots for sale. I had one buyer that wanted to buy one of the lots on the property. I started the process with my real estate agent, title company to provide all the information that Loancare needed in order to process my request. It has now been about 4 months since we started the process and I have submitted all the paper work that was required and paid over {$1000.00} for an appraisal of the property. I have called over 20 times and sent countless email to Loancare and no one there can tell me where my request is at. When I ask to speak to a supervisors I get put on hold and then get hung up on. Their customers services is absolutely horrible and they are not address my request. I have always paid my mortgage on time. I would like to get some resolution around my request and have someone handle my case and acutally be able to speak to someone that knows my issues and can provide actual customer service. I have never dealt with any servicing company that is as bad as Loancare about even answering phone calls and emails.

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 2019-08-22 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Am formally reporting XXXX on a previous case I opened with you. Case XXXX. I got this letter from XXXX that my account is paid and they told you I own them. How can an account be paid off and still own to that account. XXXX XXXX actually sold my truck and after collecting more than {$5000.00} from me. I told you XXXX is a financial predator. How can someone give XXXX and a want more than {$10000.00} in return. I took them to court and got a judgement in my favor. They have confirm from the letter attached that the account has been paid. Please see to it that they delete every thing from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Universal Fidelity LP
State: WV

Complaint narrative:
Today, XX/XX/2019 I received a debt collection notice from Universal Fidelity LP. They claim I owe money from a company named XXXX, which I had never heard from until today. When I tried to get information they just said called XXXX. When I called XXXX they said they couldnt tell me who placed the order, what was purchased, or where it was sent. Im very concerned that I have been fully sent to collections and have ruined my credit over an $ XXXX charge that is fraudulent. Im concerned that my social security number has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid my XXXX XXXX XXXX fully for the credit report showing delinquent on this account and on my credit report. I want this fix immediately because the report is a false statement before i get attorney involved. 
Thank you!

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 2019-08-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid my XXXX XXXX XXXX fully for the credit report showing delinquent on this account and on my credit report. I want this fix immediately because the report is a false statement before i get attorney involved. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: LA

Complaint narrative:
I have disputed this problem more than once with the credit bureaus and gave statements and presented documents and still no progress I have been paying this company for my car after it got repossessed they are reporting false information and they are not showing anything I've paid since the before the repossession they are also reporting I have 29 missed payment and that's not true if that was so they would have repossessed the car again the way the payment arrangements were set up by weekly and by weekly my dates went along with my pay dates I asked to split my payments in half and the amount we agreed on I paid for awhile and I called them and set up a different amount they agreed but they are still showing I'm not paying so I have negative marks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX a Writ of Garnishment was obtained by Assett Acceptance on me and my employer, XXXX XXXX XXXX , XXXX. Starting XX/XX/XXXX funds my paycheck were taken and continued for about 6 weeks. Even though I tried to claim the Head of Household Exemption it was denied. After 6 weeks a total of {$800.00} had been held by my employer. And nothing more was taken. On XX/XX/XXXX the XXXX Seventh Circuit Court de solved the Writ for Failure to Proceed. We had heard nothing since then from either the court or Assett Acceptance. After 2 months the {$800.00} was returned to me by my employer. 

On XX/XX/XXXX Assett Acceptance was able to obtain another Writ of Garnishment. I tried to call them and offer to settle for the stated amount of {$1900.00}, but was then informed that I owed over {$3600.00} now because of court costs and filing fees, of which NONE of this is stated anywhere in the new Writ. The ONLY amount stated is {$1900.00}. The person admitted that the original Writ was de solved due to Assett Acceptance 's error. I asked why they never completed the garnishment and was told, " because they can ''. 

Why should I have to be responsible to an error they made resulting in more costs an fees? I feel that they made the error on purpose so they can collect more than what they are entitled to. 

There was no way he would take my offer and told me to talk directly to the court. 

I feel that I am being ripped off for something I had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CA

Complaint narrative:
I disputed two entries on my TransUnion Credit Report on XX/XX/XXXX. Both were accounts that I did not recognize. TransUnion has indicated that they have completed the investigation and that they verified the accounts as valid but updated them althoughI don't see any updates. One account, a flexible spending account, was closed in XX/XX/XXXX, one month after it was opened. The other account, a credit card with XXXX XXXX in XXXX CT is still opened. Per TransUnion, they can not provide me with any information provided to them that verified the accounts to their satisfaction, but I am welcome to contact CFPB as well as contact the banks in question. I don't consider that an adequate response, but I guess I have to take the risk as well as the time of doing this investigation. 

I did request a credit freeze from all four credit agencies in XX/XX/XXXX and that is still in effect.

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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One False Reporting. Debt has been charged off and agency is making derogatory remarks.

Company response to consumer: Closed with explanation