vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 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:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below and if the ftc. XXXX XXXX, XXXX no account number is was added it was a secured card, XXXX XXXX XXXX XXXX .... XXXX XXXX who has not removed this account after multiple times of contacting them directly and also requesting validation.

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 2020-06-23 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:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below and if the ftc. XXXX  XXXX, XXXX  no account number is was added it was a secured card, XXXX XXXX XXXX XXXX .... XXXX XXXX who has not removed this account after multiple times of contacting them directly and also requesting validation.

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 2020-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Just to give a specific in a short version I dont know how much typing this allows me. PHH Mortgage has giving me the run around for 9 months now. CS Reps no knowledge how to answer questions you ask. Being assigned to a different case mgr twice.Submitted 4- 5 mortgage assistance applications for them to tell me I'm not eligible because I need to have my loan 12 months which was not stated. If I knew that why would I go thru 9months of faxing, calling, spending money to send all this paperwork. I wait til it 13 months as they suggested and be denied again Now here come the pandemic I explained I have {$10000.00} toward my NOW {$18000.00} to resolve my mortgage up to date and they say NO REALLY! LOOK AT THESE DATES THEY SUBMITTED VIA MAIL I could speak to them via phone then they send a letter dated the same day with a different response. IM already nervous abt this virus as I suffer from XXXX & XXXX PLEASE PLEASE REVIEW ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This issue has been going on since XX/XX/2019. Experian, XXXX and XXXX fail to remove bankruptcies they claim was verified by the courts. I obtain verification from the Federal Court clerk asking, if they verified with the credit bureaus. The credit bureaus refuse to take the letter from the clerk.

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 2020-06-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I mailed the following letter on ( XX/XX/2020 ) to The XXXX XXXX XXXX XXXX XXXX in XXXX Texas, XXXX. I had made the necessary rehabilitation payments, and provided the collection agency with the receipts, agreement, and contract. I included tracking with USPS to verify it was received by the dept of debt management, yet they deny that I made any payments. The letter is as follows : " To whom it may concern : I am writing the letter to request a hearing for my rehabilitation agreement with Pioneer Credit Recovery. I completed the rehabilitation program, and have provided copies of : The signed agreement The 9 payments made and received ( as per the MYEDDEBT.ED.GOV site ) Any correspondence Pioneer Credit Recovery sent to me ( receipts, etc. ) However, after completing the rehabilitation program ; the status of my loans never changed, thus making me ineligible for Title IV aid. I would like to have a hearing with someone who is independent of the Department, so that I may present my objections regarding the amount/existence/status of my loan. 
Should you have any questions, or would simply like to touch-base, please do not hesitate to contact me at ( XXXX ) XXXX or by e-mail at : XXXX. 
Warm Regards, XXXX XXXX '' I mailed the documents ( see  attached USPS receipt w/ tracking number )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: ALLIED MORTGAGE GROUP
State: MD

Complaint narrative:
I am in market shopping to Re-finance my mortgage. I spoke to a lender- Allied Mortgage Group ( https : //www.alliedmg.com ) on XX/XX/2020 exploring details on what offers do they have available. The representative took some details regarding my Annual compensation, current mortgage details and property location. We NEVER spoke about running credit check. 

On XX/XX/2020, I get a notification through a credit monitoring app that a credit inquiry was made on me by Allied Mortgage Group. I never authorized the company to make any inquiry on my credit, and they ran an unauthorized check. When I reported the discrepancy to the representative, he used profanity and abused me on phone and text message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
The XXXX XXXX Credit card company was overpaid by mistake for {$5700.00} which was cashed on XX/XX/20. It was an over-payment of XXXX as I mixed up payments between XXXX XXXX XXXX and XXXX XXXX service credit card. I have since been trying to get my money back in the amount of {$5100.00}. 

I have called 4 times times, and each time I am told the check will be mailed in two weeks. It has yet to arrive. Today I tried to call and was put on hold for over 30 minutes twice. The last time I spoke to XXXX employee # XXXX on XX/XX/20. He informed me it would be mailed out in two weeks. It didnt. 

Today on XX/XX/20 I still have not received a check and was told by XXXX XXXX # XXXX ( from Tennessee ) that there was an investigation and they still had not mailed out the check but would mail it out today. And would take two weeks, then he changed his conversation and said two business weeks, then he changed it again and said 17 days. 

I do not believe them at this point. If I owed them this much money they would have called me non-stop and charged me interest. Unfortunately I cant charge them interest and they have never called me or even told me that the money was being delayed due to some made up investigation. They keep changing their story to cover their incompetence. I would simply like my money back.

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 2020-06-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$9400.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX/DEPT OF ED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.

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 2020-06-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$9400.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
A COMPANY NAMED : PORTOFOLIO RECOVERY ASSOCIATES, LLC. ( XXXX. XXXX  XXXX XXXX, VAXXXX ), ACCESSED MY PERSONAL CHECKING ACCOUNT WITH ROUTING NUMBER AND HAS BEEN EXTRACTING FUNDS FROM MY ACCOUNT WITH OUT MY PRIOR AUTHORIZATION, NO LETTER PRIOR HAS BEEN RECEIVED FROM ME, NOR I HAVE RESPONDED TO ANY PHONE CALL, FUTHERMORE HAVE B=NEVER PROVIDED MY BANK ACCOUNT NOR ROUTING NUMBER, FOR WHICH I BELIEVE THAT THIS COMPANY OTHER WAYS TO ILLEGALY OBTAIN PEOPLE PERSONAL INFORMATION .... I AM AN ELDERLY WOMAN AND I SURE THAT THIS COMPANY HAS ATTAINED INFORMATION FROM ELDERLYS WHO DOES NOT KNOW HOW TO DEFEND THEMSELVES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: TX

Complaint narrative:
I noticed a car loan on my credit from XXXX XXXX XXXX. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD

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 2020-06-23 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: TX

Complaint narrative:
I noticed a car loan on my credit from XXXX XXXX XXXX. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: TX

Complaint narrative:
I noticed a car loan on my credit from XXXX XXXX XXXX. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD

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 2020-06-23 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: Credit Karma, LLC
State: GA

Complaint narrative:
I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!! I DID NOT AUTHORIZE A MORTGAGE HARD INQUIRY!!!! I RECEIVED THE FOLLOWING EMAIL ON XX/XX/2020 : " Hi XXXX, We just refreshed your mortgage shopping offers for you based on your profile. As a reminder, you have 14 days to shop around after a mortgage hard inquiry without impacting your score! 

Your Shopping Window A lender checked your credit on XX/XX/2020. 

You have until XX/XX/2020 to check rates without hurting your score.1 icon Your Housing Profile XXXX XXXX Credit Score Range : 660 - 679 ZIP code : XXXX Looking to refinance? 

If you're looking for a new home, we've searched our lender network. This is our top pick from our partners. 



XXXX fixed from XXXX  XXXX  by XXXX  XXXX  Interest Rate 3.375 % APR 3.455 % NMLS ID # XXXX Get my quote Looking for other options? 

If you're looking for other mortgage offers, check out our marketplace! 

Explore marketplace Wasn't you? 

This mortgage inquiry doesn't look familiar to you? We do our best to identify what financial product you applied for to give you advice and recommendations, but sometimes our algorithms can get it wrong. Please log in and review your credit report to make sure everything is good. 

Transactions you don't recognize may be a sign of fraud. If you didn't apply for a mortgage or other loan, you can file a dispute directly with the bureau. 

Cheers, The Credit Karma Team I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
During the XXXX  security breach, I froze my credit reports at all 3 major agencies XXXX, XXXX  and Experian. Now, I am trying to secure a mortgage and i have been able to lift the security freeze at XXXX  and XXXX. 

However, Experian has made it excessively difficult to remove the freeze. I have tried to do so on-line and I have repeatedly tried to call them but can't get past their automated system. It is supposed to require only a phone call to lift a security freeze.

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 2020-06-23 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: MS

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XXXX Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XXXX Today is XX/XX/2020 and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: IL

Complaint narrative:
I disputed the account XXXX XXXX XXXX XXXX XXXX act # XXXX with Equifax, XXXX  and XXXX and the fraudulent, incorrect information is still there. 
I do not know who XXXX  XXXX  XXXX/XXXX  XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX XXXX   XXXX XXXX  They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX XXXX account XXXX with Equifax, XXXX  and XXXX  and the fraudulent, incorrect information is still there. 
I do not know who XXXX XXXX XXXX account XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Complaint Description : Auto loan number XXXX paid in full and over payment check issued XX/XX/XXXX. Company " lost '' title and refuses to send payoff letter w/ notary. Auto loan number XXXX paid in full and over payment check issued XX/XX/XXXX. Company " lost '' title and refuses to send payoff letter w/ notary. Company listed on NJ title as lien holder for XXXX XXXX vin number XXXX. LightStream payoff letter dated XX/XX/XXXX sent to me via email. NJ DMV will not honor payoff letter without notary stamp from LightStream. Car has been sold and paid off by dealer. I am unable to obtain a replacement title from NJ DMV without payoff letter notarized. LightStream contacted multiple times for this issue and they refuse to honor their contractual obligation. My attorney XXXX XXXX XXXX has also contacted LightStream on this issue. Aside from misleading sales and customer service practices they fail to honor their lending obligations. I have mailed them multiple correspondence letters and have copied CEO XXXX XXXX as well as customer service representative 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 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CT

Complaint narrative:
I had a debt collector contact me that wouldn't Identify herself that was trying to verify old addresses for over 7 years back. I had to argue with her for her to identify that she was trying to collect a debt from sprint. The debt is more than 5 years old but it brought my score recently down 75 points as if it was brand new. Is That legal?

Company response to consumer: Closed with explanation