vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-26 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:
On XX/XX/XXXX, {$520.00}, The company place on my credit report without give me the rights to file criminal charges or dispute. I am a victim of identity theft and it shows the original creditor was XXXX XXXX. It also show it has been either sold to an Attorney and states false reporting of Remarks : AFFCTD BY NTRL/DCLRD DISASTR ; >PLACED FOR COLLECTION. I dont owe anyone bills and I was not given the Rights under the Fair Debt collection Law and it states it was paid on XX/XX/XXXX another false reporting and up for collection until XXXX. I Dont have bad credit and this company has violated my rights by just putting false information on the credit report to collect on an old account that was found to be identity theft. It was either sold to a third party which, if its an attorney 's office I will be filing with the XXXX XXXX XXXX XXXX for this deceive practice and false reporting. It states owned by an attorney collection agency with I will be filing as soon as I find out what Law firm has this account for reporting false information to the Credit Bureau along with Filing on XXXX XXXX with for a congressional hearing to investigate XXXX XXXX for stealing an account to a third party and having them account that are pass the statute of limitation for collection and them reporting false info to put on the credit report.. I also dont have an account number, name of Attorneys office that purchased the debt, phone number any other information to that Attorney office who put them on my credit report under false and misleading information. This attorneys office has violated the law and has put something on credit report without allowing me the right to dispute. This attorney has abused his or hers POWERS by putting info on the bureau that are OLD and passed the status of collection of 7 years and have put this on my credit until XXXX. IT '' S considered to be harassing of this attorney because I am listed on the credit bureau as a victim of fraud and I don't have any bad credit. I pay my bills and this can stop me from getting my STUDENT LOANS and have my Credit cards Closed. I don't knw how long this has been on the TransUnion, but I got info from Experian. This could explain why one of my XXXX XXXX  closed my account. The Attorneys office is considered to be hiding because I do not have any information to report to the XXXX XXXX XXXX to have them investigated as well. All it shows on the credit report as account number-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 2020-12-26 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:
On XX/XX/XXXX, {$520.00}, The company place on my credit report without give me the rights to file criminal charges or dispute. I am a victim of identity theft and it shows the original creditor was XXXX XXXX. It also show it has been either sold to an Attorney and states false reporting of Remarks : AFFCTD BY XXXX/XXXX DISASTR ; >PLACED FOR COLLECTION. I dont owe anyone bills and I was not given the Rights under the Fair Debt collection Law and it states it was paid on XX/XX/XXXX another false reporting and up for collection until XXXX. I Dont have bad credit and this company has violated my rights by just putting false information on the credit report to collect on an old account that was found to be identity theft. It was either sold to a third party which, if its an attorney 's office I will be filing with the Texas XXXX XXXX XXXX for this deceive practice and false reporting. It states owned by an attorney collection agency with I will be filing as soon as I find out what Law firm has this account for reporting false information to the Credit Bureau along with Filing on XXXX XXXX with for a congressional hearing to investigate XXXX XXXX for stealing an account to a third party and having them account that are pass the statute of limitation for collection and them reporting false info to put on the credit report.. I also dont have an account number, name of Attorneys office that purchased the debt, phone number any other information to that Attorney office who put them on my credit report under false and misleading information. This attorneys office has violated the law and has put something on credit report without allowing me the right to dispute. This attorney has abused his or hers POWERS by putting info on the bureau that are OLD and passed the status of collection of 7 years and have put this on my credit until XXXX. IT '' S considered to be harassing of this attorney because I am listed on the credit bureau as a victim of fraud and I don't have any bad credit. I pay my bills and this can stop me from getting my STUDENT LOANS and have my Credit cards Closed. I don't knw how long this has been on the XXXX, but I got info from Experian. This could explain why one of my XXXX XXXX  closed my account. The Attorneys office is considered to be hiding because I do not have any information to report to the Texas XXXX XXXX to have them investigated as well. All it shows on the credit report as account number-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 2020-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
1. My credit bureaus account shows I am not a home owner with Peoples United Bank. 

2. I have a XXXX/HUD for {$50000.00} in my name attached to my home. I do qualify for forbearance moratorium. 
This loan is still active on my title as 2nd mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I paid Commenity Bank in full and they will not remove derogatory remarks on my credit score. I have a cancelled check.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: NAVY FEDERAL CREDIT UNION
State: TX

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: PA

Complaint narrative:
On XX/XX/2020, I sent a letter to your company disputing incorrect information on my credit report but they did not correct the erroneous information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report, which they failed to do so. Physical verification was not provided.

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 2020-12-26 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: NY

Complaint narrative:
I recently reviewed my credit report and found following alleged accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Us Dept of Education XXXX U S Dept of Ed/XXXX This is my second time sending a complaint about this matter. The accounts has already be reinvestigate. I am not aware of these accounts as indicated.

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 2020-12-26 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: NV

Complaint narrative:
I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me

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 2020-12-26 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: NH

Complaint narrative:
I purchased an item for {$140.00} on XXXX in XX/XX/2020. The item was damaged upon arrival, and the company would not immediately provide a refund. I submitted a chargeback/dispute via PayPal Credit XXXX Synchrony Bank ) later the next month. 

I received a response from Synchrony stating that " After reviewing the documentation, the sales transaction ( s ) appear to be authorized by and/or received by you or an authorized user of the account and we have removed the temporary credit ''. 

I contacted the company via other means to gain a refund. The company which sold the merchandise agreed to a refund after complaints to other regulatory agencies. 

Upon the company attempting to issue a refund, they stated that Synchrony ( PayPal ) kept the money from the chargeback plus an additional {$20.00} fee. They provided a screenshot of the PayPal website showing a reversal of the chargeback on XX/XX/2020 and an additional on the same day showing a 'Chargeback Settlement '. 

It appears that Synchrony has charged me for this merchandise and kept the money for themselves.

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 2020-12-26 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:
I tired to resolve the issue by writing the company about a Unfamiliar inquiry from XXXX and XXXX XXXX XXXX XXXX, and also never XXXX XXXX XXXX that I had seen on my credit report when I request a free annual report an notice it but the company didnt respond to me like I requested them to delete it off my credit report and 30 days but didnt so I hire XXXX XXXX to help me out with the issue Im referring to my XXXX XXXX file # 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 2020-12-26 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: FC HoldCo LLC
State: TX

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 haven't received any investigation results.

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 2020-12-26 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: Self Financial Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: SYNCHRONY FINANCIAL
State: TX

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

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 2020-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: NM

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-26 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: NV

Complaint narrative:
I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: NV

Complaint narrative:
I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me

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 2020-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had to contact y'all about the disputes I had filled, and they keep telling me they are still reviewing its been a whole week that they are still saying the claims numbers are XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX I want y'all to proceed all my disputes and credit me back a total of {$720.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: NM

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: NM

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Closed on loan # XXXX Loan Care on XX/XX/2020. 
Failed to file mortgage discharge with the recorder of deeds for 109 days. 
Had a shell company file the mortgage discharge - called " XXXX XXXX XXXX '' from a branch in XXXX Washington, whose corporate address is in XXXX Colorado. 
Per RI General law 34-26 they owe the state of RI a {$50.00} penalty and {$5.00} per day after 30 days of not filing for a total of {$440.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
The company Freedom Mortgage duplicated my tax assessment and payment on XX/XX/2020. After notifying them on. Inertia phone calls they finally acknowledged the error, but will now not update my escrow payment. Every time I make contact they push back the target date for this to be updated. If the shoe were on the other foot Id be in foreclosure, but they are allowed to do whatever they want. They never call me back and never follow through with resolution promises.

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 2020-12-26 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: CA

Complaint narrative:
I sent a letter to all 3 bureaus concerning my credit report. It's been over 60 days with no response. This is a violation under the FCRA pursuant to 15 USC 1681i. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. You are in violation of the FCRA! I demand these accounts be deleted immediately from my credit profile!

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