vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 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: KY

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX,. I never paid the following accounts late, XXXX  : TransUnion  and XXXX  are not reporting this account, XXXX  is reporting a payment status of 60 days late but does not provide the dates this account was late, XXXX XXXX : TransUnion is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/2019, 60 days late in XX/XX/2019, 120 days late in XXXX and XX/XX/XXXX, XXXX  is reporting a payment status of current but reporting late payments of 60 days late inXX/XX/2019, 90 days late in XXXX and XX/XX/2019, 120 days late in XX/XX/XXXX and 150 days late in XX/XX/XXXX, XXXX  is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/XXXX, 60 days late inXX/XX/XXXX, 120 days late in XXXX and XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, ORIGINAL CREDITOR Account Number XXXX TransUnion and XXXX  is not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$130.00}, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX no balance reporting, XXXX  is reporting an opened date of XX/XX/XXXX no balance reporting, XXXX  is reporting an opened date of XX/XX/XXXX no balance reporting. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information or provide proof with signatures of my agreeance to these accounts. Please help me to get this matter resolved.

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 2021-06-11 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: KY

Complaint narrative:
I have some fraudulent/inaccurate accounts appearing on my credit file and I need them removed immediately

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 2021-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a loan with BANK OF AMERICA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  and BANK OF AMERICA with no successful resolutionXXXX reporting me having late payments. There was an error on their part. I was never late.

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to resolve this on multiple occasions. My XXXX account with XXXX XXXX  has been CLOSED with a {$0.00} balance for over one year. I have written a letter and filed online disputes to have the status changed from OPEN TO CLOSED yet this last time they updated the date of the latest account balance to XX/XX/XXXX and dismissed the issue at hand. My dispute could not have been more clear, yet unresolved. 

A message was added by your agency to my dispute resolution report regarding the XXXX issue. The exact message on my dispute report # XXXX that was supposedly resolved on XX/XX/XXXX was noted as " PLEASE CONTACT CREDIT GRANTOR AT XXXX " Since this phone number was different than the one for XXXX listed on my credit report of ( XXXX ) XXXX and because it looked odd the way it was noted with a minus sign before and after it and no spaces, I looked up the number online and it does NOT appear to be XXXX . I believe there is internal fraud/assistance for possible identity theft being perpetrated by directing me to contact this number which is fraudulent. If I am correct, your agency should be able to identify with audit trails who added this contact number to my dispute report and it will lead you to a criminal within your organization. 

This account is shown as closed at the other 2 credit reporting agencies and I contacted XXXX myself to make sure it is closed with no outstanding balance. I closed ALL my credit cards over 1 year ago. 

It is a simple fix which should only take one call to XXXX, yet for some odd reason, this has not been corrected despite my repeated attempts. 

I believe I am a target for identity theft so it is ODD and concerning this simple request has been dismissed and the unusual phone number I was given to investigate this further on my own. This is internal fraud in your agency, I am almost certain. Please investigate to protect me and the public. 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 2021-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I have been trying to get my loan modification paperwork settled since XXXX of last year. I have paid for a notary and witness signatures on 5 different times. Each time time P h an H gets the paperwork back via overnight delivery, they find something wrong with it. In XXXX, I was told by them to send in the paperwork even though it was past the due date, just to be told when they received it that they wouldnt accept it because it was past due. ( This company only give you 4 days once you receive it in the mail to get the docs notarized, with witness sigs and back to their office, 4 days! during a pandemic. 

The 4th time I sent the paperwork back, they said 1 of the 4 pages that was notarized had an extra " a '' in our last name and they wouldn't accept it. The 5th and final time very recently, the rep form the bank emailed me the docs securely and told me dont worry about the due date, to just get them notarized again and overnight them back. I was just told on Thursday, 2 days after I sent the paperwork back, that they wouldnt accept it because it was past the due date! The rep himself emailed me the paperwork on Friday XX/XX/XXXX!!!! He said just send it back in, dont worry that its past the due date. Now they are telling me they wont accept my payment for my mortgage for XXXX. I have been making payments since XXXX during this modification paperwork fiasco. No they wont accept my XXXX payment. It is my belief they are dorliboritley doing this on purpose, I have {XXXX} in equity in my house and I feel they are making it impossible to get this modification done. I need help please ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
Consumer Financial Protection Bureau My wife and I closed on our home in XX/XX/XXXX. In XX/XX/XXXX, we made our first payment to the original loan provider. The following month, our mortgage was sold to Flagstar bank. We made another payment to Flagstar bank in XX/XX/XXXX and then we initiated a forbearance request due to financial hardships associated with COVID-19 for 6 months XXXX XXXX XXXX ). We extended this forbearance for an additional 6 months XXXX XXXX XXXX ). 
Around mid-XX/XX/XXXXXXXX, I initiated contact with Flagstar bank to begin the process to come out of Forbearance. At that time, I was told that I had three options. I could pay the balance in full, make partial payments over the course of the next 90 days to bring the balance current, or request the balance be added to the end of my loan. I chose the third option which required an application for loss mitigation relief. The documents that were requested of me included a hardship letter XXXX describing in detail, why I needed the forbearance in the first place ), an IRS Form XXXX, pay stubs for both myself and my spouse for the past 60 days, as well as Flagstars XXXX Loss Mitigation Application. All documents were completed and uploaded by XX/XX/XXXX. At this time, I was told that my forbearance would be extended an additional 90 days XXXX through XX/XX/XXXX XXXX to allow underwriting to complete my application. On XX/XX/XXXX a hard inquiry was made against my credit report by XXXX XXXX, which I learned is associated with Flagstar Bank. It appeared that I was in the process of re-applying for my loan at this point which is not the way the forbearance plan was originally described to me. 
Today, XX/XX/XXXX I contacted Flagstar Bank to inquire as to the status of my reinstatement and was informed that my application for loss mitigation had been denied and that I would now have to pay the balance in full, a total of {$52000.00} ( {$4000.00} monthly payment X 13 months, XX/XX/XXXX XX/XX/XXXX XXXX. The customer service rep said that a letter had been mailed to me and that I would have the opportunity to appeal, but since I had not previously made 12 consecutive payments on the home, that my appeal would most likely be denied as that was a requirement for reinstatement ( to have 12 consecutive payments prior to forbearance ). 
None of this was explained to me before we went into forbearance and we certainly do not have {$52000.00} just lying around to bring this mortgage current. We can resume making our monthly payments of {$4000.00}, but not the entire balance.

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 2021-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA

Complaint narrative:
Tried of loan company writing to me and treated to arrest me for not paying the amount indicated on the e mail. I keep writing back saying that I do not owe you the money, but keeps sending these letters. That a arrest warrant has been issued. 
XXXX XXXX -- -- -- {$390.00} Ace cash services -- -- {$640.00} taken me to court and then {$4500.00}. 
XXXX XXXX XXXXXXXX -- - {$980.00} Not license to do business in Washington, but still wants me to pay this. 
XXXX XXXX -- - {$1100.00} None of these I owe money to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and TXXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX XXXX XXXX sinceXX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
ON XX/XX/2021, I SENT LETTERS TO THE CRA 'S FOR REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY REPORT BECAUSE ITS DAMAGING MY CREDIT AND STOPING ME FROM GETTING A HOME, PLUS CAUSING ME STRESS.I AM SEEKING SOME ASSISTANCE IN THIS MATTER, ALSO THE LETTERS THAT I SENT THEM ARE FILLED OUT COMPLETLY.

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 2021-06-11 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: KY

Complaint narrative:
I have some fraudulent/inaccurate accounts appearing on my credit file and I need them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one keeps reporting an account to all credit reporting agencies as mine. Ive contacted capital one numerous times and advices that account is not mine and Im a victim of identity theft. Ive provided capital one with police report however they are keep reporting and not removing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: TX

Complaint narrative:
My friend had a charge card through his credit union ( I am a member of the same credit union ) for more than 20 years. Several years ago I began helping him pay his bills and he requested that I become an authorized used of his credit card, a credit card company that partnered with the credit union. Over the years the credit union changed credit card companies several times, and at some point I was changed to co-owner of the account. I don't know when this occurred, and I was not aware of it, and my friend probably didn't notice the change either. This did not cause a problem until last year ( XX/XX/2020 ) when he died. At that time the company started trying to collect the payments from me ; that's when I became aware that I was listed as co-owner and was responsible for the payments. I tried to work with them but they told me that when they made their contract with the credit union I was listed as the account co-owner and that I was legally responsible for the debt. 
I didn't know what else to do, so I started making the payments. It was very difficult as my income is social security and at XXXX  years of age and in poor health, I am unable to work. 
For the past year since his death I have made every payment but I find that I can not continue to make payments of {$110.00} every month. Today when I called the company and asked them to allow smaller payments that I could manage, they referred me to XXXX XXXX XXXX, a financial counseling service. The XXXX XXXX XXXX person told me that I should talk to CFPB. She thought that what happened to me was unfair and that this problem might be solved by this agency.

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 2021-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
BSI Financial is my mortgage servicer, I have tried to contact them many times to enter into a forbearance/modification. I can't seem to get a hold of the right department and or person who can help. When I get a person on the phone they say that I need to talk with the loan officer in charge of my loan. That my loan officer knows that I called and that they will call me back. I have not heard from my loan officer and am not sure what to do next. Please help! I need a resolution to this problem. I want to save my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: LA

Complaint narrative:
On XX/XX/2021, I had written to MOUNTAIN RUN SOLUTIONS LLC, and ask that they validate the debt. I received a validation letter from them and it was not my signature. Which I already knew because this debt had been sold from a previous collection agency that I had to contact you about before. 
In their response letter on XX/XX/2021, included the falsified signature which I knew, and a letter stating they purchase the debt from XXXX whom I have never signed a contract to do any business with. In the letter, they stated I can settle the debt for {$2000.00}. 
And they sent the response letter in an envelope with their logo and name posted boldly on the front of it. 
I wrote them another letter on XX/XX/2021, letting them know about the FDPA act and to please send me {$2000.00} dollars for a violation of my rights. They turn around and sent me the same information on XX/XX/2021. And never removed it from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: IN

Complaint narrative:
I reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. Experian sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( Experian )XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} # XXXX  this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX  this account is NOT mine. XX/XX/XXXX XXXX  {$790.00} # XXXX  this account is NOT mine. Inquiries XX/XX/XXXX XXXX XXXX XXXX NOT mine, XX/XX/XXXXXXXX XXXX XXXX, NOT mine, XX/XX/XXXXEXPERIAN BUSINESS CRED, NOT mine. ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX  {$790.00} # XX/XX/XXXXthis account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX  this account is NOT mine. ( XXXX  )XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} # XXXX  this account is NOT mine.XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX  this account is NOT mine. Inquiries : XX/XX/XXXX XXXX  NOT mine, XXXX XXXX XXXX XXXX /XX/XX/XXXX NOT mine, XXXX XXXX XXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX XXXX /XX/XX/XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.

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 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
I have made several attempts to get an unvalidated Cox Communication account removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the Cox Communication was confirmed by. I honestly do not believe anyone is doing an investigation because if so, they would be able to produce the documentation within the legal time frame.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have tried for a few years to have a derogatory acount taken off of my credit from simply bee that was not me. I never authorized the card, had the card, used the card or signed for anything to do with the card or charges. XXXX  and XXXX  are saying they confirmed it was me. That is impossible as it wasn't and could not have been. XXXX XXXX agreed it was not me and deleted it finally but XXXX  told me to file a complaint and send them the complaint for as well as the XXXX XXXX findings and deletion from my credit report. I did call simply be and they said they had no information except they sold the debt. They gave me a number to call and that number went to a closed company. Could not talk to anyone. So how cold a closed company nor simply bee say it is confirmed it was me when it is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I filed for identity theft in XXXX of 2021. Honda Finance claims they investigated the claim and they denied my claim based on their investigation. I have yet to receive the names and numbers of the agents and anyone contacted in regards to the investigation as stated in FRCA. Additionally, upon review of my credit report, I noticed this is an Auto Lease, per TILA leases are not permissible for automobiles and instead an installment credit sale waste be the basis of the initial transaction which I did not initiate. Honda, a debt collector, is now charging-off monthly a disputed debt and ignoring to apply payment with my direction. I did not initiate a transaction, nothing has been loaned to me and I have not received any goods.

Company response to consumer: Closed with explanation