vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 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:
I received a letter in the mail that I was sent to collections. I immediately took actions and got a copy of my credit report to see why this was reflecting on my credit and why in the world this collection bill was under my name. My identity has been compromised and I need these fraudulent items off 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 2020-02-21 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:
I received a letter in the mail that I was sent to collections. I immediately took actions and got a copy of my credit report to see why this was reflecting on my credit and why in the world this collection bill was under my name. My identity has been compromised and I need these fraudulent items off 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 2020-02-21 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:
My bank called me to inform me that there was a unknown charge on my account. Thry wanted to verify to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$54.00} XXXX  XXXX XXXX   XXXX {$21000.00} XXXX XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: MD

Complaint narrative:
The mortgage lender XXXX went bankrupt effective XX/XX/XXXX. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XX/XX/XXXX, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with TransUnion, XXXX, and XXXX. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.

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 2020-02-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The mortgage lender XXXX went bankrupt effective XX/XX/XXXX. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XX/XX/XXXX, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with XXXX, XXXX, and Equifax. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: OK

Complaint narrative:
I obtained a XXXX loan in XX/XX/2019 and I have paid over XXXX on the loan. I called today to pay off the loan and they said I owe XXXX. I don't understand how my payoff is so high. I asked for the interest rate and they couldn't tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: ME

Complaint narrative:
Continues to send me unverified debt letters. Has never furnished a contract with my signature on it. 
Only sends a copy of a utility bill. 
I do not not have I ever done business with Penn Credit Corporation. I do not owe this company anything!

STILL have yet to verify the following : 1. Full original Account Number2. Date original Account was opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.

7. A copy of a contract with my signature on it with your company.

8. A copy of your license to collect in the state of Maine.

9. The name of the registered agent for your company.

10. A certified copy of a judgement made against me by your company in a court of law.

11. A copy of how you purchased this unverified debt and for what price. 

They haveNOTprovided me a copy of ANY original documentation required underSection 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me fornegligent noncompliance ( Section 617 ) if you fail to comply.I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have had capital one auto finance since XX/XX/XXXX as an auto loan holder recently I have became ill and cause me to miss a few payments due to being on XXXX however I have made several attempts to resolve this issue with company making partial payments in good faith as my XXXX  XXXX payments have not kicked in to cover my leave from work. I then went forward made a payment plan that myself and the company have agreed that 3 payments of {$620.00} will be charged to cover my account and bring it back current drafting from my account on XX/XX/XXXX which i see posted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( which since the company has broken our agreement and maliciously charged my account off after taking my first payment XX/XX/XXXX I have cancelled my auto payments ). I  noticed the change when on XX/XX/XXXX I went into the account to make an extra payment in good faith effort to the company and wasn't able to because my account information vanished only allowing me to see current payments and those that are scheduled. I called and spoke to a rep who couldn't give me information and then I asked to speak to a supervising team since my consumer rights have been broken XXXX rep ID # XXXX who then tried to inform me that the contract was not valid because they didn't charge my account XX/XX/XXXX for {$360.00} which the rep told me at the time of signing the agreement these payments will come out and apply however if they didn't get that payment then the entire contract should have been cancelled meaning they illegally now have take {$620.00} out of my account on XX/XX/XXXX. If the company rep has failed to take the payment as we agreed when setting up the agreements all contracts should have been null and void and none of the payments should have went through after. The company also failed to provide me notice of a resolution before charging my account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX Back in XX/XX/2009 XXXX 's already had to pay a {$4.00} XXXX settlement after it was involved in a Texas state lawsuit where it was accused of deceptive trade practices. In XX/XX/2009, Attorney General XXXX XXXX filed a litigation against the electronics retailer claiming it violated the Texas Deceptive Trade Practices Act.

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 2020-02-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX Back in XX/XX/2009 XXXX 's already had to pay a {$4.00} XXXX settlement after it was involved in a Texas state lawsuit where it was accused of deceptive trade practices. In XX/XX/2009, Attorney General XXXX XXXX filed a litigation against the electronics retailer claiming it violated the Texas Deceptive Trade Practices Act.

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 2020-02-21 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: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts that are reporting on my credit file. Those derogatory accounts do not belong to me and I have no information about those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2020-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
There is a card on my account with a XXXX limit that I never opened. There is currently ( XX/XX/XXXX ) a balance of XXXX and my XXXX XXXX report states that it has decreased by XXXX recently. 

I had ( XX/XX/XXXX ) called the bank and asked to close the account and they said they could not find anything in either my name or social security. Though I continued to submit a dispute. 

The credit card was opened in XX/XX/XXXX. 

I submitted another dispute today and it said my old one was completed. Though the account remains on my 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 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
In XX/XX/2019 our escrow account was changed to reflect only {$54.00} per month due in taxes and our payment dropped. This year they figured out that this was wrong and anyone with intelligence should have realized this last year. They have raised our payments by {$1000.00} this year and that creates a real hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: MI

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$1200.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$690.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$16000.00} This company is reporting an inaccurate amount of debt owed as well as missing my on-time payments XXXX XXXX Opened XX/XX/XXXX-Balance : {$410.00} This debt does not belong to me and Ive disputed this before

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 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
UWM LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX The short sale was started with UWM on XX/XX/2019. The 4506T was sent to them at this time as part of the complete short sale package. They started the loan mod review process on XX/XX/XXXX. Documents have been uploaded multiple times into their online portal since then, including the 4506T which has been uploaded several times. 

As of today, they are still making excuses as to why they can not review this file. Even though we have uploaded the 4506T multiple time, they continue to make up numerous excuses such as : they do not have the 4506T ( at all ), the 4506T they do have is not signed, the 4406T they do have is not filled out correctly, the 4506T is completely blank, and the 4506T is missing addresses.

****FURTHERMORE when we call in no one can tell us why the 4506T has been rejected and we have to wait several days, for NO ONE to call back, then call back in again and demand to talk to management. Even then, it takes DAYS to get a straight answer out of UWM. 

Their supposed review of this file for a loan mod has been going on for TWO MONTHS!!!!!!! -- -- - This is RIDICULOUS!!!!! -- -- -- - It has become apparent to me that they are doing nothing except to delay the decisioning on the file in an attempt to defraud the investor out of even more ( inflated ) servicing fees.

Since this company seems to be incompetent in reading a 4506T I have attached it here.

I want this reviewed and moved forward WITHOUT FURTHER DELAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts that are reporting on my credit file. Those derogatory accounts do not belong to me and I have no information about those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2020-02-21 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: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts that are reporting on my credit file. Those derogatory accounts do not belong to me and I have no information about those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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:
My bank called me to inform me that there was a unknown charge on my account. Thry wanted to verify to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$14000.00}

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 2020-02-21 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:
My bank called me to inform me that there was a unknown charge on my account. Thry wanted to verify to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX   and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$14000.00}

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I

AM VICTIM OF AN IDENTITY THEFT, SOMEONE FRAUDULENTLY HAS OPENED A CREDIT CARD UNDER MY NAME THEY HAVE MAINTAINED THE CREDIT CARD AND THEY HAVE MADE FRAUDULENT CHARGES ON MY CREDIT CARD. I AM NOT RESPONSIBLE FOR T HE CARD OR FOR THE PAYMENT THAT THE THIEF HAS MADE. I HAVE ASKED NUMEROUS TIMES FOR DISCOVER TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, AND I HAVE ASKED THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FORM MY CREDIT REPORT. THIS IS REALLY UNFAIR. I HAVE EVEN SENT THEM MY IDENTITY THEFT REPORT ALONG WITH A POLICE REPORT. WHY ASK FOR DOCUMENTS WHEN YOU ARE NOT GOING TO HONOR THEM. I AM THINKING MABE DISCOVER HAS SOLD M Y INFORMATION AND NOW THEY ARE REFUSING TO RMEOVE THIS ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 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: MI

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$1200.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$690.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$16000.00} This company is reporting an inaccurate amount of debt owed as well as missing my on-time payments XXXX XXXX Opened XX/XX/XXXX-Balance : {$410.00} This debt does not belong to me and Ive disputed this before

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: MI

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$1200.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$690.00} this debt does not belong to me XXXX XXXX XXXX Opened XX/XX/XXXX- Balance : {$16000.00} This company is reporting an inaccurate amount of debt owed as well as missing my on-time payments XXXX XXXX Opened XX/XX/XXXX-Balance : {$410.00} This debt does not belong to me and Ive disputed this before

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