vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE REACHED OUT TO ALL THE BUREAUS REGARDING THE INCORRECT INFORATION THAT DISPLAYS ON MY CREDIT REPORTS AND HAVE TRIED NUMEROUS ATTEMPTS TO HAVE THEM REMOVED AND YET NOTHING HAS BEEN DONE. ALSO THE FACT I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX : Collections : 1.XXXX XXXX-XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.Auto XXXX 6.XXXX XXXX Closed : 1.Dept of EDXXXX 2.XXXX XXXX  XXXX 3.XXXX XXXX XXXX XXXX reported XX/XX/21 4.XXXX XXXX XXXX TRANSUNION : Closed : 1.Dept of EDXXXX 2.XXXX XXXX XXXX XXXX XXXX : Collections : 1.XXXX XXXX XXXX 2.XXXX XXXX Inquiries : 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX Closed : 1.Dept of EDUXXXX 2.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 2021-04-16 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: NY

Complaint narrative:
XXXX XXXX XXXX has filed federal lawsuits on behalf of several consumers who have been unable to correct credit reporting entries that were either erroneous or the result of identity theft. 
The accounts listed below were open due to Fraud and you company has been doing improper investigation on the consumer behalf. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me. 

I expect to receive proof requested above, within 10 days from the date of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company, business or bank for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

These include : Not notifying me of investigation status not, Not correcting Fraudulent info, and reporting fraudulent information on credit reports. 
REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY. 

XXXX XXXX XXXXXXXX XXXXClosed Closed on XXXX XXXX, XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXXClosed Closed on XX/XX/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 2021-04-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, about the unauthorized accounts that appears on my credit report I request these following accounts to be delete and removed off my Equifax credit report : " XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$8800.00} Account XXXX, " U S DEPT OF EDXXXX '' Open Date XX/XX/XXXX Amount {$5200.00} Account # XXXX, " XXXX XXXX XXXX OF ED/XXXX '' Open Date XX/XX/XXXX Amount {$6900.00} Account # XXXX, " U S DEPT OF ED/XXXX '' Open Date XX/XX/XXXX Amount {$3400.00} Account # XXXX, Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report, and my XXXX credit report due to my identity been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
my previous mortgage servicer ( XXXX XXXX ) sold our loans to SPS ( Select Portfolio Servicing ) starting XX/XX/XXXX ( EHIBIT A ) on XX/XX/XXXX I forward SPS my information to start auto withdrawing my payments come XX/XX/XXXX. So around mid XX/XX/XXXX I noticed no withdraw from SPS had take place. So I called SPS and a representative informed me that my mortgage was PAID IN FULL. I verified my information with the representative and she confirmed it and said yes PAID IN FULL. I waited and called back a few weeks later and that representative said the same thing PAID IN FULL and that I would be getting my escrow of XXXX in the mail and all the necessary paperwork showing paid off. I received the escrow check, a statement showing that my informaiton was paid off, my county tax provided sent me my tax statement showing that I would be paying my own taxes, my insurance provider sent me my notice saying that the insurance would be transferred in my name and I would assume payments in full. So then on XX/XX/XXXX I received a notice stating something about a payment reversal ( EXHIBIT B-1 ), then XX/XX/XXXX they sent another statement stating A NOTICE OF DEFAULT that I was gravely behind and delinquent in my mortgage payments ( EXHIBIT C1 ), the the SAME DAY XX/XX/XXXX they sent a statement saying that you are in FORECLOSURE due to being gravely in default on your mortgage payments and I am that my case is being sent to a forclosure attorney. After receiving ALL ( 3 ) notices the same day on XX/XX/XXXX I called SPS and the person on the other end said that my case has been referred to a forclosure attorney. I am TOTALLY APPAULLED on how SPS is trying to QUICKLY cover up their error and not even try to call apologize and work with me but try to take my home from me. This can ; t be acceptable and ethical or legal behavior in the United States because of an error of their that they are trying to fille unethical paper work to assume my home from under me without trying to correct the error or eating up the cost of their error. I need something to take place IMMEDIATELY because this company should not be able to do this, there have to be something done about this before they are allowed to go any further with this unethical behavior.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted XXXX, transunion and XXXX regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: FL

Complaint narrative:
I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted experian, XXXX and XXXX regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE
State: FL

Complaint narrative:
Secured new mortgage with Stockton Mortgage in XXXX last year after going through extensive underwriting and submitting all my documents as requested by the company. Two months later I received a letter from them stated I needed XXXX XXXX. I did not have XXXX XXXX when I was approved for the loan. So I contacted my insurance company to get XXXX, but not having XXXX XXXX previously and now after a new mortgage closing it was very difficult to get. The letter Stockton Mortgage provided stated that my XXXX XXXX lapsed, I never had it. So the insurance company would not add it to my policy. I had to wait and have a new policy written. I live in Florida and my home is 8 houses from the XXXX XXXX. It is also hurricane season. I also had to have a wind mitigation inspection done before coverage would be approved by insurance company. 
Stockton went ahead and charged me {$370.00} for XXXX XXXX in XXXX for a period of 2 months that have passed. I received no policy from them or coverage dates or anything that I could possible use if I did have a claim. Also when called Stockton said it would reimburse my escrow account the {$370.00} back but after repeated calls another underwriter of theirs overruled. I made every good effort to correct Stockton 's oversight of requiring XXXX XXXX. I should not have to pay for a coverage that was not available to me and is unnecessary as there wasn't even any storms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX has filed federal lawsuits on behalf of several consumers who have been unable to correct credit reporting entries that were either erroneous or the result of identity theft. 
The accounts listed below were open due to Fraud and you company has been doing improper investigation on the consumer behalf. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me. 

I expect to receive proof requested above, within 10 days from the date of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company, business or bank for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.

These include : Not notifying me of investigation status not, Not correcting Fraudulent info, and reporting fraudulent information on credit reports. 
REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY. 

XXXX XXXX  XXXX XXXXClosed Closed on XXXX XXXX, XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXXClosed Closed on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: NY

Complaint narrative:
XXXX XXXX XXXX has filed federal lawsuits on behalf of several consumers who have been unable to correct credit reporting entries that were either erroneous or the result of identity theft. 
The accounts listed below were open due to Fraud and you company has been doing improper investigation on the consumer behalf. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me. 

I expect to receive proof requested above, within 10 days from the date of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company, business or bank for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

These include : Not notifying me of investigation status not, Not correcting Fraudulent info, and reporting fraudulent information on credit reports. 
REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY. 

XXXX XXXX XXXX XXXXClosed Closed on XXXX XXXX, XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXXClosed Closed on XX/XX/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 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
A rent check for {$15000.00} to our landlord originating from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA was mailed to him XXXX XXXX. The landlord never received it ( we had successfully Mailed 35 monthly checks to him up to this time ). This check was dropped off at the post office for mailing. This check was stolen and used to open a fraudulent account at US Bank XXXX XXXX XXXX, XXXX CA XXXX.The criminal used a driver 's license and social security to open the account. It was opened online. Once the check was deposited, the money was withdrawn fraudulently. 
XXXX XXXX, acting branch manager at US bank, acknowledged this was a fraudulent transaction on XXXXClaim reference # XXXX XXXX This Fraudulent transaction has been reported to XXXX at XXXX XXXX Fraud Dept . XXXX, claim # 2020 XXXX. 
This was report XX/XX/2020 to XXXX Police Dept, and to XXXX County DA office XX/XX/2020 We have met with resistance getting reimbursed from either Bank. 
Your Help would be greatly appreciated. 
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 2021-04-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted XXXX, XXXX and equifax regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have called Barclays Bank over five times for 3 charges that happened at the end of XXXX XXXX. I disputed the charges on the app. They sent me a letter saying they investigated and deemed I was responsible which was crazy since one of the charges I was across the United States for. 

I then called them ... The first two times I was placed on hold at the fraud department for over an hour. The third time I called I told them not to send me to the fraud department and I spoke to somebody who I demanded help me. This was on XX/XX/XXXX. This lady made me actually call the company ( XXXX ) with her to investigate the charges the charges for XXXX we called XXXX and XXXX corporate and both of them said they did not have my card on file at all and they could not locate any transactions. The lady then told me that I was not responsible for the charges and the dispute would go through I have the case numbers : Case number : XXXX, XXXX, XXXX I then received a letter saying that only one out of the three charges would be disputed and the others were being investigated I then called back again for the fourth time and said this was ridiculous since they were all from the same store and I contacted the store with the lady and the store explicitly said that my credit card was not in their system and they did not have those transactions on file. They said they would escalate the claim. 

I then got a letter saying that everything has been disputed but on my bill it still says that I owe the money and if I dont pay in a week I will be charged a penalty so then I call for a fifth time and they say theyre going to transfer me to the fraud apartment and I say dont do that because I am not spending an hour on hold and they said it wouldnt be an hour and they transferred me and after an hour nobodys picking up the phone so therefore I am not spending any more time dealing with this bank that clearly has issues and they are trying to steal my money!!!! They said it was disputed and are not removing the money from 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 monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 escrow closed on my refinance. My former loan company, Flagstar, is holding over {$6000.00} of my money from an escrow account. I have contacted them several times. I was told I had to wait 20 BUSINESS DAYS. That period of time has well passed and I contacted them again. I was told I'd have to wait another 15 BUSINESS DAYS for them to " reissue a check ''. It has now been 36 days and I still have not received my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I had an Aspire credit card and when I went to pay the bill I noticed they were charging me a fee of {$39.00} to renew my card on top of the {$8.00} per month service charge. 

When I called them I informed that their fee was to high and I would not be renewing my account with them and I asked them to remove the fee. This is before the renewal date and before my bill was do. 

They informed me they would not remove the fee and I was just out of luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have a 2 prong situation : My loan company is pursing foreclosure and is not adhering to the " Covid Guidelines '' and have set our loan to their foreclosure attorney,,, regardless that I have explained that we have been impacted first hand with several layers of " XXXX '' 1. both of lossed our jobs 2. we both contracted XXXX 3. we have ongoing and underlying issues XXXX and XXXX effected with XXXX sent this in writing also. 

2. I had no idea that this office existed to assist on protecting us in XXXX when SPS added over ( more than the actual loan amount ) XXXX XXXX in charges fees and ect on our original loan ... I only owed XXXX and now they tacked on making my balance over XXXX,,,, again being bailed out by the government and now double dipping and strong arming us back tacking more debt in order to keep our property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I have been a customer of Quicken Loans for 20 years. I have never made a late payment. I used XXXX to attempt to purchase my new home. I sold my home in early XX/XX/XXXX and XXXX was paid off for their prior mortgage. 

From the beginning I agreed to make a 20 % downpayment on a purchase for {$160000.00}. Today 5 hours before my Second scheduled closing the downpayment somehow increased from {$32000.00} to {$34000.00}. This was never agreed upon nor discussed. 

When I bring this to their attention no one calls me. One of their bankers wrote that he was in a meeting but when he checked the numbers he could change the downpayment back to {$32000.00} but now we can not close. 

I have had my family in a hotel for a week which cost over {$1300.00}, I have storage costs so far of {$220.00} I have already paid movers {$4200.00} and now will have to hire movers again. 

This {$2000.00} dollar change the day of closing is unfair and deceptive. Please investigate. 

I couldnt do the math to make it add up. Please see the loan amount, and the downpayment the numbers do not add up : Review Your Final Numbers Here are your final numbers for closing. Please review them and let us know if they look right to you. 
Loan Program FHA - 30 yr Fixed Interest Rate 2.250 % Monthly Payment {$1000.00} Loan Amount {$120000.00} Purchase Price {$160000.00} Down Payment {$34000.00} Deposits {$1000.00} Credits {$3000.00} Total Due At Closing {$36000.00} Your name ( s ) on the title will appear as : XXXX XXXX, a married man and XXXX XXXX XXXX, his wife

Company response to consumer: Closed with explanation