vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 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:
This corrupt bank still held my account open after they allowed fraudsters to take all my money. Originally, they told me that it was closed in 2018, and that I had to go to the branch to open a new account. However, I declined because my money was never safe with them. Fast-forward to today. I receive a reimbursement by accident to the old XXXX account, and the ACH transaction does not bounce back. I call in to receive some of the worse customer service and incompetence ever. These people who they hire at the call centers never use simple logic. They are telling me that I have to go to a branch to resolve this when I live 7 states away to the closest one. Then to top it off, I can't cancel the account and get a refund, so XXXX is holding my money illegally in an account that should have been closed when the fraudulent transactions took place. I was able to remove all other associated accounts that went into the negative on my Transunion because XXXX XXXX lax security on bank accounts, but I am working on the 2 other credit bureaus. They are terrible and I don't even care about the money anymore, just close my account and delete my personal information. I don't want to be associated with this terrible institution anymore. They don't value their customers.

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 2020-03-05 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 corrupt bank still held my account open after they allowed fraudsters to take all my money. Originally, they told me that it was closed in 2018, and that I had to go to the branch to open a new account. However, I declined because my money was never safe with them. Fast-forward to today. I receive a reimbursement by accident to the old XXXX account, and the ACH transaction does not bounce back. I call in to receive some of the worse customer service and incompetence ever. These people who they hire at the call centers never use simple logic. They are telling me that I have to go to a branch to resolve this when I live 7 states away to the closest one. Then to top it off, I can't cancel the account and get a refund, so XXXX is holding my money illegally in an account that should have been closed when the fraudulent transactions took place. I was able to remove all other associated accounts that went into the negative on my XXXX   because XXXX XXXX lax security on bank accounts, but I am working on the 2 other credit bureaus. They are terrible and I don't even care about the money anymore, just close my account and delete my personal information. I don't want to be associated with this terrible institution anymore. They don't value their customers.

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 2020-03-05 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: NJ

Complaint narrative:
XXXX  XXXX  and XXXX  XXXX  must be removed from my report its not the law and I want it off its not my loan. This is very crazy. I am being ignored. They are saying it verified without any proof. I want XXXX  XXXX  and XXXX  off my report. Im afraid to send in my personal information to anyone. my drivers license and social this is private information. I want these removed permanently

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 2020-03-05 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: NJ

Complaint narrative:
XXXX  XXXX  and XXXX  XXXX  must be removed from my report its not the law and I want it off its not my loan. This is very crazy. I am being ignored. They are saying it verified without any proof. I want XXXX  XXXX  and XXXX  off my report. Im afraid to send in my personal information to anyone. my drivers license and social this is private information. I want these removed permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been a victim of Identity Theft due to stolen sensitive information from my credit report at Equifax. As per the Court Settlement, I was offered either {$250.00} or 6 years of free credit monitoring services. I contacted Equifax in XX/XX/XXXX about the promised credit monitoring. The lady assured me that they had my choice on file and that starting in XX/XX/XXXX, I would get the promised credit monitoring for 6 years. When I called Equifax numbers in XX/XX/XXXX onwards, I was getting a run-around with automatic answering system and I never got connected to a real person. Now, I am in XX/XX/XXXXand Equifax did not provide me with credit monitoring. 
Please contact Equifax on my behalf and persuade it to honor its commitment. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: MA

Complaint narrative:
Someone opened an account in my name and is using my ssn but a different address and I cant seem to get it out of my report. I already disputed it and they respond with updating the address that is not mine. I am still seeing the same info that dont belong to me in my reports. This has been going on since XX/XX/2019.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have contacted XXXX  ( inquiry XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: NV

Complaint narrative:
I see multiple account, addresses and names on my credit report that I have NEVER opened, this inaccurate reporting is hindering me from being able to obtain 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 explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I break down my monthly mortgage payment into 4 weekly amount to satisfy the monthly requirement by the XXXX monthly. PHH does not apply my payments as they are received, they put them into a suspense status or apply the amount to the principal. I have written to them several times in addition to calling them regarding the correct posting of my payments. It doesn't help. I am disputing 2 late charges with them again for XX/XX/XXXX & XX/XX/XXXX payments. PHH reported me late on XX/XX/XXXX. All final funds due ( {$1100.00} ) were paid by Monday XX/XX/XXXX, which was the next business day as the XXXX fell on a Sunday. PHH again reported me late XX/XX/XXXX when the XXXX payment was paid in full by XX/XX/XXXX. Payments were sent as follows XX/XX/XXXX {$700.00} XX/XX/XXXX {$700.00} XXXX {$700.00} XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I filed a dispute with Equifax regarding my account with my mortgage company, XXXX/XXXX XXXXXXXX, because the account was not showing my recent payments, when in fact I had made them. At that time, the other credit reporting agencies had accurate information in their credit files for this account. Instead of the update being made to the account, shortly thereafter, my mortgage was completely removed from my Equifax credit file. I received no explanation as to why. 

Several months later when I noticed the difference in my credit scores among the three credit reporting agencies, I realized that the major difference was my missing mortgage account in my Equifax file. When I reached out to Equifax to find out how it could be added back, a representative informed me that it was up to the mortgage company to submit my credit file to them to get the account added back to my file. Following that call, I have emailed and called XXXX/XXXX  XXXX to make this request. This requesting and waiting for an answer went on for well over a year. Last week, I finally reached someone in the escalations department of my mortgage company who informed me that they have been routinely submitting my account information to all three credit reporting agencies on a monthly basis, and that I would need to contact Equifax to find out why the account is not showing up in my file. Tonight ( XX/XX/XXXX ), I just hung up the phone with Equifax, and the conversation ended with the representative telling me that I need to talk to my mortgage company to find out why my account is not showing up. 

I am at my wit 's end with this. No one is helping me and it is unfair to keep sending me back and forth when I have no control over the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been struggling with Sallie Mae and than Navient since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a stay at home mom all XXXX, XXXX, XXXX, XXXX I had all XXXX high risk XXXX and couldnt leave the house I was in and out of the hospital.Navient stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with Navient they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over 37,000 and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no Sallie Mae nor Navient was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
This complaint is with regards to an incorrect late payment history that appears on my XXXX  credit report. The history pertains to a Perkins Loan serviced through UAS  for the XXXX XXXX  University Bursar 's Office. 

I submitted the following in a credit dispute to XXXX  ( see attached ) : - Document 1 : Borrower Statement - Document 2 : Relevant CFR regulations - Document 3 : Relevant ISAC regulations - Document 4-5 : Proof of contact with the alumni office during the dates of alleged late payment - Since submitting the dispute, I have collected more clear evidence from the Alumni office regarding the exact dates my contact information was on file ( Document 6 ). I have attached this for review. 

The dispute was concluded by XXXX  on XX/XX/2020. I have attached a copy of the dispute report as provided by XXXX  ( Document 7 ). Document 7 shows that the account history continues to reflect late payment status codes for these months. All that was updated was the effect of my recent payment on any past due balances. 

Having previously tried to resolve this issue independently with both UAS  and the XXXX Bursar 's office and through an XXXX  dispute, I am now turning to the CFPB for assistance in resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
We recently paid off the required 20 % of our loan to get the PMI removed. We contacted Mr. Cooper on XX/XX/XXXX to find out how to begin the process. We were told that they would not remove the PMI because we paid off our mortgage to fast. We were told we have to either wait until the day it would be normally removed or pay over 300 $ to send out one of their adjusters to get our home reappraised and start a reappraisal process. From what I have read this is not proper procedure and they can not add these extra burdens on us without it being in our contract. To achieve the 20 % we needed to pay down our mortgage to XXXX, as of today XX/XX/2020 we are at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: GA

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : DPT ED/XXXX XX/XX/XXXX XX/XX/XXXX {$6000.00} XXXX -- / -- XXXX Late Dates : XXXX, XXXX {$7200.00} XXXX {$72.00} XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX {$23000.00} {$6200.00} {$4200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX/XXXX  XXXX -- XXXX XXXX -- XXXX {$100.00} XXXX XXXX -- XXXX XXXX  {$520.00}

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have contacted XXXX XXXX ( inquiry XX/XX/XXXX ), Experian XXXX XXXX ( inquiries XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX ( inquiry XX/XX/XXXX, XXXX  ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiry XX/XX/XXXX ), and XXXX XXXX XXXX XXXX   ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

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 2020-03-05 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:
These are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 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:
These are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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:
These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: AZ

Complaint narrative:
Original debt from XXXX XXXX XXXX, XXXX WA. Original XXXX   XXXX  ordered by XXXX  XXXX XXXX, XXXX AZ. XXXX XXXX for several XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  such as XXXX  and XXXX etc.XXXX. XXXX sent specimen unrefrigerated in mail. Specimen arrived at XXXX  7 days after taken from patient making it a non viable specimen for testing. XXXX  personnel knew this and conducted testing anyway. Charged customer enormous fees for XXXX XXXX unwarranted for XXXX  vs XXXX XXXX   which is a fraction of the cost. This was a common practice to do this unwarranted testing to overcharge patients. Department of Justice has charged XXXX XXXX XXXX with giving all its doctors, including XXXX  XXXX XXXX KICKBACKS for referring services unwarranted and nonviable specimens for testing. 

I, as XXXX  XXXX customer was duped. During a doctor visit with XXXX XXXX  he said he was going to do a XXXX XXXX in office. I watched the nurse perform test. After I left office they took XXXX  sample and mailed it to XXXX XXXX XXXX and authorized expensive XXXX  XXXX  which I would have never authorized. I had been tested many times only to pay no more than {$40.00}. When I got the bill from the XXXX  for in the {$3000.00} range I was outraged and started investigating. Not only was it fraudulently sent but a nonviable specimen for testing being so old and exposed to heat!! 

I then found out that XXXX  XXXX XXXX was getting a KICKBACK in the form of some kind of marketing check as found out by the Department of Justice. I then discovered that the XXXX  had closed, moved a couple blocks up the street and reopened in a different name. 

I am a victim of fraud and a kickback scheme in the XXXX   profession. The Department of Justice has arrested the top people at the XXXX  and some have already pleaded guilty. This debt is a product of 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 2020-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I attempted an FHA Streamline refinance and rate reduction through my bank. My bank denied it as they said, FHA would not agree to keep a lien due to loan modification unchanged on the loan. at my banks suggestion I tried contacting FHA to ask them to agree. FHA referred me to HUD housing and urban development who I called, faxed and emailed my request for assistance but still have not received a response.

Company response to consumer: Closed with explanation