vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. Company Inquiries : XXXX/XXXX, XXXX, XXXX/XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX   XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: MS

Complaint narrative:
i have stated that these account are not my account but they are still listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i have stated that these account are not my account but they are still listed 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 2020-06-16 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. Company Inquiries : XXXX/XXXX, XXXX, XXXX/XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. Company Inquiries : XXXXXXXX, XXXX, XXXX XXXX   XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/XXXX I submitted a complaint about Equifax reporting an open account that was originally closed by the creditor XXXX XXXX on XX/XX/XXXX. XXXX XXXX reopened the account stating I owed them XXXX for the car notes that were due to be refunded to me, because the car i bought was a repurchase under the California lemon Law. All monies were to be refunded to me ; XXXX XXXX didn't refund me my car notes. XXXX XXXX closed the account and sent me a letter stating the account was paid in full and the breakdown of all credits/refunds on the account, per letter dated XX/XX/XXXX. Equifax continues to report this account as me owing money to XXXX XXXX. now it shows a higher amount than the two returned payments i were to receive. As of XX/XX/XXXX Equifax responded to CFPB complaint # XXXX closed with explanation. i checked my credit report as of XX/XX/XXXX and the account showed closed. But when I checked my credit report on yesterday XX/XX/XXXX the account was back on my Equifax report showing opened and owing XXXX. This is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I was in a car accident and my car was totaled, I had XXXX XXXX XXXX and spoke to my rep repeatedly. She knew I was in the accident and no longer needed the insurance and still charged me for a month of service I did not have a vehicle after I dropped the insurance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Contained within my XXXX consumer report # XXXX is the following incorrect information.. 

GM Financial acct # XXXX incorrectly shows a delinquency of 30 days in XX/XX/XXXX, and Also XX/XX/XXXX. This account was paid in full and closed in XXXX of XXXX making these delinquencies impossible. 

GM Financial acct # XXXX incorrectly shows a delinquency of 120 days in XX/XX/XXXX. This account was paid in full and closed in XX/XX/XXXX making this delinquency impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 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: AZ

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX stating " on XX/XX/XXXX we sent a report to the credit reporting agencies to remove delinquent payment information from XXXX, XXXX and XX/XX/XXXX ''. I applied for a home refinancing on XX/XX/XXXX with XXXX XXXX XXXX and was denied credit due to credit score below 600 and a report of past due mortgage from XXXX for XXXX, XXXX XX/XX/XXXX from the three credit reposrting agencies, Experian, XXXX and XXXX .Please see letter from XXXX Mortgage from XX/XX/XXXX and letter with negative credit report received from XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
My Name is XXXX XXXX, and I have been trying to get a loan modification plan with Union Bank. My wife XXXX XXXX lost her job back before XX/XX/XXXX, and we were unable to pay. Right then we kept in close contact with the lender Union Bank for a loan modification to catch up on our payments. Right from that point we were told they could not accept our income and we could not understand why. Fast forward to XXXX we re applied again sending all the proper documentation they needed to get our file done in a timely manner, even taking time off my work to send faxes and gather the documents. 
XXXX XXXX the Underwriter over my file spoke to me since the other representatives were unable to give us an answer as to why we are being decriminiated against on our income. XXXX XXXX then went forward and stated to resend documentation of income during the Covid19 pandemic, and we did so. A few weeks later again they descriminiated against my income since I work both in the state of XXXX, and XXXX. She stated that the income willnot be accepted. We do not know why this income is nit acceptable when the income is valid. My wife started a new job and also presented her income offer letter and this was still not accepted. XXXX XXXX keeps stating we do not live in the home, in which we do live there. I work in and out of the state and own NO OTHER PROPERTIES. We love our home and we live in our home, and we just need assistance with getting a loan modification to save our home. XXXX XXXX told us that our home will go to foreclosure XX/XX/XXXX. We sent XXXX XXXX a full breakdown on the funds we have to come in with to start the process and still she denied us based on the fact I work both in and out of XXXX. This is desparate treatment and overt descrimination against my income, and I need help. Please Help us we want to save our home.

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 2020-06-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My complaint involves all of the credit reporting companies, as I know at this time. One of my credit card companies sent a letter stating my credit score had been dropped to XXXX   based on reports from one or more of the credit reporting companies. I have tried to talk to someone with those firms in order to obtain information on which they furnished showing the basis of the score. The system they use for call in service does not allow one to speak with  a person to either give or obtain information. The most important complaint I have is that credit reporting firms do not attempt to talk to consumers in order to get the other side of a dispute. They primarily use information furnished by creditors on disputes. I was never contacted by anyone asking for my side of any problem. This is totally unfair in a country where, if one is  accused, the plaintiff must present proof of an accusation. Obviously, no attempt was made to develop the truth in at least this incident.

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 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit report contains a Chapter XXXX Bankruptcy, which is unlawful according to the FCRA due to the fact that this is not public record. The court at which I filed bankruptcy does not report to the credit bureaus. The bankruptcy court at which I filed sent out a letter XX/XX/XXXX of 2020 stating that they do not report to any of the credit bureaus. The letter is attached to the documents that I provided. I have also attracted an affidavit of dispute

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 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One has locked my account so I have to pay extra fee over the phone and has not kept their promises, On or around XX/XX/2020 I made a {$35.00} payment for my card with a {$530.00} balance and was told that if I made another minimum payment ( {$25.00} ) on XX/XX/XXXX or XXXX ( can not remember which ) they would report me as being current and they would not report me before then. 3 days ago I got a report from XXXX and XXXX  that Capital One reported me as being 90 days late going against everything they had promised me on or around XX/XX/XXXX. This is not the first time they did not go by their policies nor their promises made to me. This is the 4th time I have had to file a complaint with you and XXXX against them for fraudulent practices and/or false promises. This is causing me more money and since closing my account has dropped my credit score over 100 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I signed up for a Costco Citi card because of its generous rewards program. Once the COVID-19 pandemic quarantining began, I communicated with " XXXX, '' over chat, who identified herself as being from " team number XXXX '' the company refuses to offer any alternate way to redeem the almost {$200.00} check. 

See chat transcript below : Info at XXXX, XX/XX/XXXX : Youre now being transferred to the next available representative. 
Youre now connected to XXXX. 
You at XXXX, XX/XX/XXXX : Hi there. I received a physical paper check that must be brought into a XXXX, despite the pandemic. Have you come up with alternate ways to redeem? 
( rewards check ) Read XXXX at XXXX, XX/XX/XXXX : Good Afternoon, the rewards certificate will need to be used at a Costco warehouse. It doesn't expire until XX/XX/2020. 
You at XXXX, XX/XX/XXXX : Yes, and what makes you think the pandemic will have subsided by then? This is unacceptable. I will be reporting Citi to my state Attorney General 's office. 
Read XXXX at XXXX, XX/XX/XXXX : I apologize for any inconvenience. 
You at XXXX, XX/XX/XXXX : What's your last name or employee ID for the CFPB complaint I'm filing? 
Read XXXX at XXXX, XX/XX/XXXX : I can only give my first name and my team number 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 monetary relief
Consumer complaint received 2020-06-16 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:
This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit.

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 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Once again someone is trying to collect a XXXX debt that is not MINE. They are trying to COLLECT from a XXXX XXXX XXXX ... This is NOT Me. This is the forth time I have reported this ... It goes away for a few months and a NEW Debt Collector comes back. I NEVER had a XXXX account. PLEASE MAKE IT STOP. I have submitted all necessary paperwork to the creditor and still no resolve. I am done providing them this information as it is a waste of time.

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 2020-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
After advising XXXX, of my financial situation when my son went into XXXX XXXX  and asked if I could extend the life of my loan until I went back to work and they advised that I could. Two weeks later they took over {$300.00} out of my account and the following week another payment over {$300.00}. I called and explained the issue and was told it wasn't noted and it wasn't anything they could do. Fast forward a few weeks from that conversation in 2019, they placed me in collection with the incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My current mortgage loan was transferred to a new loan servicer. The new loan servicer stated that I was behind on my loan payments when I was current. When I contacted them I was directed to contact my prior loan servicer to provide the missing funds. 
I've made repeated attempts to resolve the matter with the previous load servicer to no avail. My phone calls have gone with not replay. 
Phone calls made XX/XX/2020, XX/XX/2020. I was informed that a representative would return my phone call but have not received a follow up phone call. 
Amount on question is XXXX Old loan servicer is XXXX, XXXX New loan servicer XXXX XXXX XXXX. XXXX XXXX Loancare XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA 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 2020-06-16 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: SC

Complaint narrative:
My collections history is being impacted by Transunion failure to correct an amount in collections from XXXX XXXX XXXX XXXX XXXX initiated XX/XX/XXXX. This is not my debt, I resolved the billing error on the account with XXXX XXXX in XXXX. The Transunion was contacted in XX/XX/XXXX as to the inaccuracy and the debt was in error. I have not received any communication from any party regarding dispute resolution.

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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
after three weeks bothe the original company and their biller have said that the money was returned, but other than 2 pmts that actually got back to my checking acct. they have sen the other 3 payments to a credit card that wasn't used in the transactions. the money was taken directly from my checking account by their biller, and never returned. i can't seem to get a straight answer from either of them. i do have an email saying the money would be put in the right acct., but nothing. they gave me transaction numbers of XXXX and XXXX the disputed amount is {$58.00}, and i can't find the money either in my checking acct. or in paypals acct.this is over three weeks and nothing. the paypal people, tag team the message people, so you have to keep repeating the same story over and over. i am a XXXX veteran and this extremely burdensome for me, that a company that said they would get my money back no problem would XXXX up so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16 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: TX

Complaint narrative:
Transunion is a frequent flyer, regarding breaching the law. The information attached shows how they continuously break the law, and do not fix errors contained on the credit reports from an individual. They share information to people not authorized, and they try to confuse the regulators like CFPB, by saying they verified the authorization without providing any proof of that. 
I have had for almost 2 years a lot of fraudulent inquiries, since the XXXX  information leak. I have been notifying properly as the law dictates both Transition and XXXX, and neither one of those eliminate the unauthorized inquiries to my report. Even with the proof of the creditors asking to remove the inquiries, they simply neglect to take off all the inquiries that do not have any authorization from the individual. They do not provide any proof of verification, and CFPB is not doing anything about it. 
This complaint in addition to the previous, has the proof from a lot of those inquiries being retired by several creditors, and Transunion still does not fix the errors completely out of the FCRA timelines. 
Any economic damage to the customer ( ME ) will be ruled by a judge soon. CFPB I am providing evidence of the continuous breach to the FCRA by Transunion, please procede accordingly. 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 non-monetary relief