vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are two accounts in negative standing appearing on my credit history. I was not aware that there were accounts in negative standing on my credit report and when I looked through a copy of my report, I realized that those accounts are not mine. The accounts that do not belong to me are from two companies which are  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to these companies in any way ; I do not have any written or verbal contract with them nor did I gain anything from these accounts that were opened without my permission such as money, goods, services or any other benefit. I also did not take part in any payments that might have been made towards these accounts. I have already filed a police report regarding these suspicious accounts.

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 2020-09-15 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: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are two accounts in negative standing appearing on my credit history. I was not aware that there were accounts in negative standing on my credit report and when I looked through a copy of my report, I realized that those accounts are not mine. The accounts that do not belong to me are from two companies which are XXXX XXXX & XXXX XXXX XXXX XXXX. I am not affiliated to these companies in any way ; I do not have any written or verbal contract with them nor did I gain anything from these accounts that were opened without my permission such as money, goods, services or any other benefit. I also did not take part in any payments that might have been made towards these accounts. I have already filed a police report regarding these suspicious accounts.

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 2020-09-15 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: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
Our original mortgage for our property was with Franklin American Mortgage Company. They sold it to Citizens One Home loans. 

The city that the property is in doubled the tax rate for the property. In addition, the property value has dropped about 40 % from where we purchased it, the utility bills have been a lot higher than we expected and as a result, we can no longer afford to keep it. We reached out to Citizens One over two months ago about options such as short sale or deed in lieu. 

The company has a phone number but it is all automated. No matter when you call it says they are receiving high call volumes. They have a call back but the times that they have called back they immediately hangout when I answer. We used their system to submit request for mortgage assistance but no agent was assigned to help us and there has been no followup by the company. We also paid for copies of our mortgage docs to be mailed to us on XX/XX/XXXX and we never received. Recently they started adding a {$20.00} " other fee '' to our mortgage bill with no explanation as to what for. It's impossible to talk to anyone about the fee. 

I believe that there is intentional fraud and customer abuse at the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
someone used my name to apply for credit these inquires listed on my credit report are fraudulent i am victim of identity theft here are the inquires. 

FRAUDULENT INQUIRES : 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6.XXXX 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 2020-09-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
From XX/XX/2020 to present I've submitted disputes to Commenity Bank and XXXX regarding my Victoria Secret Account reporting past due for the month of XX/XX/2020. Commenity provided me with a letter dated XX/XX/2020 that they was removing the last reporting and contacting the three credit bureau. See letter attached. When closing on my home, I was unable to close and lost monies because XXXX XXXX who confirms they received the letter stated the last four digits of the account number was no the same on the report. I submitted the dispute and they indicate that Commenity Bank never responded to the dispute. It is my understanding that if no response is made within the 30 days then it should automatically be removed. XXXX XXXX is stating this is incorrect. 

I contacted Commenity Bank and explained that the letter had a different account number. According to Commenity Bank, new account numbers were sent to cardholder once they took over and the account number should not matter because the old account number is linked with the new account. Old account number XXXX and new account number is XXXX None of this is making sense, but I know that I've lost my deposit for closing due to no one complying with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Old deleted identity theft account that was on my previous credit report, has reappeared as a new collection. This is illegal as the stated account is not mine, and it should not be sold to a new lender as new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: GA

Complaint narrative:
I submitted a dispute through XXXX on XX/XX/2020 and received investigation results on XX/XX/2020 on XXXX.com stating the two items had been removed but only shows on the website. However, when I've disputed items before I received a pdf with the investigation results that I am able to keep with my personal records. When I asked XXXX, they stated I would have to reach out directly to TransUnion to receive that info via a printable document. Upon reaching out to TransUnion, they stated they sent to me via email, and I stated I never received and asked them to verify what e-mail they sent to so that I could verify and see if that is where the error was. TransUnion could not verify or even see what e-mail they sent it to, and then I was told they can not re-send me a copy via e-mail or standard mail, UNLESS is it subpoenaed. I can't get a copy of investigation results??? This is absurd. I'm not asking to re-investigate or even dispute the investigation results, I just want a copy of something saying that, as I have received when disputing items previously. This is completely absurd.

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Received a letter today, XX/XX/XXXX, dated XX/XX/XXXX, from Capital One! Says : IMPORTANT INFORMATION ABOUT YOUR ACCOUNT! Dear MY NAME : " Recently, during a regular account review, we noticed youve only been using a portion of your credit line. To better fit your card usage, weve reduced your credit limit to {$2000.00} dollars. We have kept your credit limit significantly above your highest balance over the last 1 year to ensure you can continue to use your card as you have been, while providing flexibility for future spending. Thank you for being a Capital One customer. We look forward to continuing to serve your needs. Sincerely, Capital One '' This is not right! I called and told the Rep the above story. He says I have been a customer since XXXX. I told him I had an {$8000.00} credit limit and now your are reducing it to {$2000.00} dollars just because I havent added thousands of dollars of purchases to my account? I told him that wasn't right. It was nice to have the higher credit limit in case I would need it some time. What did I do to deserve this? Have always paid my bills on time! They don't care about the average customer. The Rep didn't even try to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: CA

Complaint narrative:
A landlord fraudulently billed me for charges I did not owe. I sent all details and evidence to Experian and they did nothing. The landlord has never given any evidence.

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 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020, I received two letters from XXXX  XXXX XXXX ( XXXX ) XXXX dated XX/XX/2020. One letter was addressed to me and stated they are trying to collect {$610.00} on behalf of Paypal.com. The other letter is addressed to my wife, trying to collect {$940.00} on behalf of Paypal.com ( see attached documentation ). After contacting Paypal, I was told that neither of these charges came from their office and the account number associated with XXXX 's claim does not exists. Additionally, XXXX has used both our middle names, which is not listed in any account information with Paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 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: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XX/XX/2020 I XXXX  XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. 

NEITHER PHH MORTGAGE SERVICES OR XXXX XXXX. HAVE RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. 

To date, I XXXX XXXX have not received a response from PHH Mortgage nor has XXXX XXXX. responded to the PREVIOUS federal complaint. Both companies are still attempting to illegally foreclose on my home. 

As stated on XX/XX/2020, PHH Mortgage Services purports to be the servicer of my home loan. They claim in writing that XXXX XXXX  owns my loan yet when I call to verify whom owns my loan ; PHH then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX XXXX XXXX XXXX owns my loan. ( attached ) PHH Mortgage Services then hires XXXX XXXX. to advertise the sale and foreclose on my home. I filed a complaint against the firm on XX/XX/2020 and then asked XXXX XXXX. to Validate the debt on XX/XX/2020 certified mailing number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. has not validated the debt to date. However, they have rescheduled the foreclosure sale for XX/XX/2020. ( attached ) PHH does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. 

XXXX XXXX. has received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. It has been well over 30 days and XXXX has yet to validate the debt. Yet this firm still continues to attempt to foreclose on my property. Their actions violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. XXXX XXXX. is aware of the laws that govern Georgia Foreclosures. These are also acts of illegal foreclosure, fraud and theft by taking. 

I would like XXXX XXXX. and PHH to prove that XXXX or XXXX XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
JCPENNEY CREDIT CARD ISSUED BY SYNCHRONY BANK. 

I purchased curtain panels from J C Penney using their credit card issued by Synchrony Bank on XX/XX/20 for {$170.00} ; XX/XX/20 for {$110.00} ; XX/XX/20 for {$760.00} ; XX/XX/20 for {$350.00} ; and XX/XX/20 for {$230.00}. For a total amount of {$1600.00} XXXX see attached statement ). 

Due to inferior quality and inaccurate website descriptions concerning size, I returned ALL curtain panels via XXXX in seven ( 7 ) separate shipments for a total out-of-pocket expense of {$250.00} ( see attached receipts ). 

I only received a credit of {$1300.00} XXXX see attached statement ). Even though I filed two ( 2 ) purchase disputes with Synchrony Bank on XX/XX/20 and XX/XX/20, they continued to charge late fees and interest for a total of {$83.00} XXXX see attached statement ). 

I finally had to pay the disputed amount of {$380.00} XXXX see attached statement XXXX to save my credit score, which had dropped 67 points, as a result of Synchrony Bank 's ineptitude, not to mention illegal behavior!

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 monetary relief
Consumer complaint received 2020-09-15 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:
EQUIFAX PLACED ACCOUNTS THAT HAS ALREADY BEEN DELETED BACK ON MY CREDIT REPORT.. THE FOLLOWING FRAUDULENT ACCOUNTS WERE ALREADY DELETED : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX OPENED : XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: FL

Complaint narrative:
I am a victim of identity theft. Someone unknown is using my name and my information and opened accounts on my name that are unauthorized and fraudulent. I filed the report with the FTC XXXX and contacted the creditors and bureaus about this manner.

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 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MI

Complaint narrative:
I received a letter from American Coradius International , LLC, dated XX/XX/2020. I received the letter on XX/XX/2020. The letter is for an alleged debt with XXXX XXXX XXXX in the amount of {$290.00}. I do not owe this debt as I have never had an account with XXXX XXXX XXXX XXXX I called XXXX XXXX XXXX, and confirmed with them that there is no account in my name, attached to my phone number, or the account number provided by the collection agency. 

On XX/XX/2020, I sent a certified letter, return receipt requested, to the collection agency. There are 2 addresses listed on the letter and I sent a copy to both addresses. 

When researching this, I found that the XXXX  has at least 174 complaints about this collection agency. 

I have also reported this to the U. S. Postal Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
someone used my name to apply for credit these inquires listed on my credit report are fraudulent i am victim of identity theft here are the inquires. 

FRAUDULENT INQUIRES : 1.XXXX XXXX  XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX  6.XXXX XXXX XXXX 7.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
someone used my name to apply for credit these inquires listed on my credit report are fraudulent i am victim of identity theft here are the inquires. 

FRAUDULENT INQUIRES : 1.XXXX XXXX  XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX 6.XXXX 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 2020-09-15 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: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation