vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 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: IN

Complaint narrative:
FROM XX/XX/2019 through XX/XX/2019 a number of inquiries intruded my consumer file on my Transunion report I didnt authorize these companies no knowledge either I alerted Transunion they didnt remove any of the negative information also sent no proof that the information belong to me and was true and correct they are in violation of FCRA.

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 2019-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I started writing Trans Union on XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature about 3 inaccurate accounts reporting on my credit file accounts from XXXX XXXX ACCOUNT # XXXX, ACCOUNT # XXXX, ACCOUNT # XXXX, This company has not showed me any proper validation of this debt they say I owe to this company. Then I wrote all 3 Credit Bureaus again on XX/XX/XXXX in regards to this debt they say I owe. I never received anything in writing bearing my signature or obligation to pay this debt. On XX/XX/XXXX I wrote letter to both the Credit Bureaus and Collection Agencies I informed both that they had ( 15 Days ) Of completion to reinvestigate this matter. I sent all my letters certified mail. And USPS states that they received my letters on XX/XX/XXXX I informed the Credit Bureaus any automated response or XXXX verification is unacceptable. I requested a reinvestigation AND their METHOD OF VERIFICATION. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I informed them am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumers Financial Protection Bureau An The Attorneys General office should they continue in non compliance. I would like this inaccurate information removed from my credit file immediately. Ive been writing this collection and credit bureaus about this matter for XXXX XXXX years. I need a resolution to this matter.

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 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been requesting a pay off on my home and Mr. Cooper is failing to give me a timely and correct payoff amount. The first two requests were made on XX/XX/2019. I spoke with their customer service on XX/XX/XXXX, XX/XX/XXXX ( to three separate people over two calls ) and XX/XX/2019. I have received two pay off amounts and neither was correct and both were provided to me untimely. The second one was provided with a pay off date on the same date it was sent and provided after XXXX XXXX. ( on a Friday ). I couldn't pay it off b/c the bank was no longer open and I was told I would have to request a new payoff. Mr. Cooper makes about {$10.00} per day in interest that the house is not paid off. Since XX/XX/2019, this has made them over {$200.00} in interest despite the fact that I would have paid it off on XX/XX/XXXX or even before now if the correct information had been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
No Money Was Taken But I Have 2 Hard Inquirys That I Didnt Do. One From Capitol One, The Other From Cabelas. I Dont Use Nor Shop Those Places. Are People Opening Lines Of Credit In My Name?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 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:
Equifax has not complied with FCRA request the method of verification. Cite FCRA, Section 611. Request hard evidence that goes back to the original creditor and ask for the original creditors information. .. It's very likely the credit bureau did not contact the original creditor at all. ... 


They have not provided a method of verification and the reporting information is wrong the Bnakrupct court has stated that they did not provide any information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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:
Equifax has not complied with FCRA request the method of verification. Cite FCRA, Section 611. Request hard evidence that goes back to the original creditor and ask for the original creditors information. .. It's very likely the credit bureau did not contact the original creditor at all. ...

They have not provided a method of verification and the reporting information is wrong the Bnakrupct court has stated that they did not provide any information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: MO

Complaint narrative:
I'm disputing the accounts listed within this complaint on the mere fact that these accounts do not belong to, identity has been compromised years ago and I'm still effected by it. I'm demanding that the credit reporting agencies look into this matter beyond electronic verification before reporting these fraudulent accounts on my credit files Accounts that shall be blocked. 

1 ) XXXX XXXX XXXX  {$3600.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX  XXXX XXXX   XXXX 4 ) XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX  7 ) XXXX  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 2019-07-15 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: GA

Complaint narrative:
Experian has not complied with FCRA request the method of verification. Cite FCRA, Section 611. Request hard evidence that goes back to the original creditor and ask for the original creditors information. .. It's very likely the credit bureau did not contact the original creditor at all. ... 


They have not provided a method of verification and the reporting information is wrong I have asked them to remove the inaccurate 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 2019-07-15 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: NC

Complaint narrative:
I filed a dispute on XXXX and XXXX both came back verified. I had sent a letter i received from the creditor/collection agency, stating i was no longer responsible for this debt. Equifax refused to remove this from my credit report. I had already sent the same letter ( enclosed ) to XXXX and XXXX and got the account removed. The amount in question was {$970.00}. Equifax has since said they will no longer investigate this matter. The letter states clearly the collection agency has ceased collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: KY

Complaint narrative:
I had two suspicious collections appear on my credit report. I flagged it, and two of the three bureaus removed it after investigation. XXXX refuses to remove it, but has failed for several months now to show ANY proof of the debt. I have repeatedly filed disputes and asked them to get anything from the debt collector that shows a legitimate debt. They respond with nothing other than saying the debt collector says that its real. But no proof of any kind with my signature. Once again, it has been several months, and its affecting my ability to buy a house. I warned them that if they didnt start following the federal law I would report them to CFPB. They dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
payments were arranged after account was closed to start paying off the debt at an amount i could currently afford- {$20.00} ; creditor went into bank account after payments were arranged and took {$510.00} completely over drafting my account by {$490.00} and refused to return the money ; this transaction was completely unauthorized.

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 2019-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I have never dealt with this company claiming I owe a debt to them of {$390.00}. I have written letters to the company asking for verification of any information bearing my signature that states I owe them. They have yet to provide me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: MO

Complaint narrative:
I'm disputing the accounts listed within this complaint on the mere fact that these accounts do not belong to, identity has been compromised years ago and I'm still effected by it. I'm demanding that the credit reporting agencies look into this matter beyond electronic verification before reporting these fraudulent accounts on my credit files Accounts that shall be blocked. 

1 ) XXXX XXXX XXXX {$3600.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 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: MO

Complaint narrative:
I'm disputing the accounts listed within this complaint on the mere fact that these accounts do not belong to, identity has been compromised years ago and I'm still effected by it. I'm demanding that the credit reporting agencies look into this matter beyond electronic verification before reporting these fraudulent accounts on my credit files Accounts that shall be blocked. 

1 ) XXXX XXXX XXXX {$3600.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXXXXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 )  XXXX 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 2019-07-15 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: KY

Complaint narrative:
I had two suspicious collections appear on my credit report. I flagged it, and two of the three bureaus removed it after investigation. Equifax refuses to remove it, but has failed for several months now to show ANY proof of the debt. I have repeatedly filed disputes and asked them to get anything from the debt collector that shows a legitimate debt. They respond with nothing other than saying the debt collector says that its real. But no proof of any kind with my signature. Once again, it has been several months, and its affecting my ability to buy a house. I warned them that if they didnt start following the federal law I would report them to CFPB. They dont care. 

( Note : I previously submitted this accidentally saying XXXX. It is Equifax. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: NJ

Complaint narrative:
I apply for a mortgage with Nations Lending Corporation on XX/XX/2019 for a XXXX family house for XXXX dollars and on XX/XX/2019 they turn down my loan that never went into underwriting. They stated that they found something on a XXXX search under my name and because of that they hold me XXXX for weeks without an answer even after i paid for an appraisal on the stated property, as i spoke to the owners of the company multiple times. I have proof the loan was approved to XXXX and all my other documents. they simple descriminated againt me for no reason. There practices are not consumer friendly and then they turn down my loan because of credit and guidelines when all guidlines had been meet but they never got the loan to a register underwriter. this company picks and chooses who they want to do loans for. That bad practice to been able to do business.

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 2019-07-15 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: MO

Complaint narrative:
The following accounts do not belong to me and I'm disputing these accounts in accordance to the consumer laws of the FCRA. I've also sent in a police report. I'm asking that the following accounts are removed, and blocked from my credit file. [ 1 ] XXXX XXXX, {$310.00}, {$240.00}, {$180.00}, {$60.00}, either account belongs to me. 

[ 2 ] Dept of ED/XXXX {$13000.00}, {$7400.00}, {$4400.00}, {$3700.00}

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 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX someone I dont know used my identity with my name and social security to open a new account with a XXXX resulting in my account going in collections owing {$550.00}. I never knew till recently I went on all my 3 credit reports to check my credit score and see XXXX on my report. I have never opened a XXXX bill in my life so I definitely knew this was identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: MO

Complaint narrative:
The following accounts do not belong to me and I'm disputing these accounts in accordance to the consumer laws of the FCRA. I've also sent in a police report. I'm asking that the following accounts are removed, and blocked from my credit file. [ 1 ] XXXX XXXX, {$310.00}, {$240.00}, {$180.00}, {$60.00}, either account belongs to me. 

[ 2 ] Dept of ED/XXXX {$13000.00}, {$7400.00}, {$4400.00}, {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 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: MO

Complaint narrative:
The following accounts do not belong to me and I'm disputing these accounts in accordance to the consumer laws of the FCRA. I've also sent in a police report. I'm asking that the following accounts are removed, and blocked from my credit file. [ 1 ] XXXX XXXX, {$310.00}, {$240.00}, {$180.00}, {$60.00}, either account belongs to me. 

[ 2 ] Dept of ED/XXXX {$13000.00}, {$7400.00}, {$4400.00}, {$3700.00}

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 non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I had a citibank checking and savings account number compromised recently and {$7000.00} was stolen from the accounts. The money was recovered in a few weeks however, I was advised to reopen the accounts with a new account numbers - I did this. 

Once I received the new account number, I called to close the old accounts. This was a XX/XX/19. A few weeks later I received a statement showing the accounts were still open, I then again contacted citibank via chat, asked why the account was still open. I did not get an answer but they offered to close the accounts. Today, I found out that account is still open and accruing fees.

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 2019-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
loan XXXX, before Ocwen transferred the loan to PHH, they received {$7500.00} in trial payments from a bad loan mod ; we received {$1500.00} of the {$7500.00} but still have not received the rest of $ XXXX months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: MO

Complaint narrative:
This account has already been decided that it is not mines. And I'm demanding that it be removed from my credit files. This fraudulent account has caused me great emotional damage and financial stress. Please remove this account immediately. 

# XXXX. XXXX XXXX XXXX # 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 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I have a conventional mortgage with PMI. I reached the LTV of 80 % and/or LTV of 78 % last year, but the bank keeps charge me for the PMI. I asked them about it on XX/XX/XXXX and they refused to consider. I called them last week ( not sure about the date but between XX/XX/XXXX - XX/XX/XXXX ) and they say they are going to summit a cancellation of it, promise to return the money ONLY for the last month ( XX/XX/XXXX ). Called them again today XX/XX/XXXX requesting the return of the money overcharged and again it was denied saying it was my fault for not summit a request for it. According to my calculations that amount is over {$800.00} dlls. My original mortage was XXXX with a down payment of 5 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: CL Holdings LLC
State: MO

Complaint narrative:
This account has already been decided that it is not mines. And I'm demanding that it be removed from my credit files. This fraudulent account has caused me great emotional damage and financial stress. Please remove this account immediately. 

# 1. XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MS

Complaint narrative:
This company is claiming I owe a debt to them in the amounts of {$500.00} & XXXX, but I have never done any business with them. I have written letters to the company asking for verification of any information bearing my signature that states I owe them. They have yet to provide me this 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