vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 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: SC

Complaint narrative:
Upon checking my credit report. I have noticed that there are several items still remaining on my credit report even after sending in supporting documentation that these accounts are a result of identity theft. I have never lived at XXXX XXXX XXXX XXXX XXXX, SC XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX these are addresses used by the perpetrator. I have made several attempts to have them listed as fraud and blocked from my credit report, but still get the run around about this issue.

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 2021-01-27 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: TX

Complaint narrative:
Good morning, Beginning XX/XX/XXXX, I am been writing XXXX, Transunion, and XXXX  to dispute inaccurate information on my credit report and asked them to validate the accounts. I have also asked them to investigate the accuracy of several specific items by providing proof of the debts that I owe. XXXX  responded only with " everything was verified and accurate ''. 

As of today, XX/XX/XXXX I have sent them multiple letters and they have only replied with a " verified '' and no additional information or a description as to how the accounts were verified or included the response from the debt collectors

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 2021-01-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good morning, Beginning XX/XX/XXXX, I am been writing XXXX, XXXX, and Equifax to dispute inaccurate information on my credit report and asked them to validate the accounts. I have also asked them to investigate the accuracy of several specific items by providing proof of the debts that I owe. XXXX  responded only with " everything was verified and accurate ''. 

As of today, XX/XX/XXXX I have sent them multiple letters and they have only replied with a " verified '' and no additional information or a description as to how the accounts were verified or included the response from the debt collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I received a debt collection notice regarding a bank I do not have an account with Synchrony Bank ), I believe this is a fraudulent mailing- dated XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I am invited to 'pay with cash at XXXX and & - XXXX XXXX  '' in the amount of {$2500.00}

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 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XX/XX/XXXX Started application for refinancing home loan with current lender, Freedom Mortgage, to lower interest rate.I turned in all the necessary documents requested. 
Spoke with XXXX XXXX XXXX XX/XX/XXXX : Was told that lender officially accepted the application has started processing loan. Was told that will be closing late XXXX or early XXXX. 
XX/XX/XXXX : Was told that I was assigned to XXXX XXXX, customer advocate to assist with the processing and would be the contact person. XXXX. 
XXXX : Turned in all documents requested promptly including Quit Claim Deed and divorce decree. 
XX/XX/XXXX : Upon inquiry was told that no document is needed. 
XX/XX/XXXX : Was told that I need to turn in again signed Divorce Decree for title review. 
XX/XX/XXXX : I found out that XXXX XXXX has not provided Title Department of updated Quit Claim and Divorce Decree. I turned it in myself to Title. 
XX/XX/XXXX : By this time, it was more than 45 days since initial loan application. Was told that they need home insurance info but I told them that I am using current insurance and they have information available at their escrow dept. 
XX/XX/XXXX : I provided insurance contact information to speed up processing. 
XX/XX/XXXX : Was told I need to provide most current bank statement which I have provided on the same date. 
XX/XX/XXXX : I was told by XXXX XXXX that he has turned in file to underwriting for final approval. I thought it was already with underwriting since XXXX and they were just awaiting supplemental documents. There is still no information when the loan would close. 
My concern is that Freedom Mortgage has been hold on with refinancing so that I would continue to pay monthly mortgage at a higher interest rate. By using the current lender for refinancing, I would think that they have all the information they needed except for supplemental documents which I have turned in and don't see any reason why the loan has not been closed yet. I felt it is predatory to kept me waiting when this is a simple refinancing application. I am hoping you would assist and advocate on my behalf. Thank you. 
XXXX XXXX XXXX XXXX Lender : Freedom Mortgage Account Number XXXX Property : XXXX XXXX XXXX  XXXX XXXX, CA 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 2021-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I refinanced my mortgage with XXXX in XX/XX/XXXX in order to take advantage of a lower interest rate and to lower my payment. My new mortgage payment was $ XXXX/month. This XX/XX/XXXX my mortgage payment unexpectedly increased to {$2300.00}. I contacted the person at XXXX that I used for my refinance and was told that I would need to contact Nationstar as they were the servicer of the loan. After multiple phone calls I was able to find out that the escrow account was either underestimated, or not estimated and accounted for at all, when my refinance was processed. 
This led to me having an escrow shortage of - {$4000.00} going into XXXX. 
Due to negligence or carelessness of the company, my mortgage payment has now increased 19 % to an amount that is considerably more than it was prior to my refinance. 

Nationstar has given me the option to make a one time payment for the full the amount of the shortage, or to spread it out over the year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
CareCredit/Synchrony Bank charged consumer a late fee, when her account was never late. CareCredit finally agreed to reverse the {$38.00} late fee, however they reduced consumer 's credit limit by {$300.00} for the sole purpose of finagling a derogatory credit score. Consumer had a {$1500.00} LOC and had paid the balance down by {$300.00}. Then CareCredit reduced the LOC to {$1200.00} showing only {$53.00} available credit, which increased consumer 's credit card debt ratio on consumer 's credit file. Consumer has not being late, but CareCredit blacklisted consumer 's credit by reducing LOC as a poor credit risk, although consumer was gradually decreasing the balance. 

CareCredit claimed that consumer 's XX/XX/XXXX payment was late, and the payment was due on XX/XX/XXXX. However, based on consumer 's statements, she paid {$50.00} on XX/XX/XXXX for deadline of XX/XX/XXXX payment. Consumer made an additional payment of {$30.00} on XX/XX/XXXX totaling {$80.00} for the XX/XX/XXXX billing cycle. Consumer then made a payment of {$72.00} on XX/XX/XXXX for the billing cycle ending XX/XX/XXXX. After XXXX 's billing cycle closed on the XXXX, consumer made made a XXXX payment of {$100.00} on XX/XX/XXXX for XX/XX/XXXX payment, billing cycle ending XX/XX/XXXX. 

CareCredit became confused with their own billing cycle, determining that a payment had been missed, since consumer made payment early after the close of XXXX 's cycle, and before the end of the XXXX billing cycle payment on the XXXX of the month. CareCredit failed to discern that a payment can be made early the month before. CareCredit is trying to extort consumer to pay two payments in one cycle by adding a late fee and decreasing credit. 

This reduction of credit LOC ( line of credit ) tells consumer 's CBRs that she is overextended by reducing her credit limit. Consumer has made a payment in every billing cycle without missing a payment. Consumer is requesting that original LOC be reinstated and CareCredit be held accountable for charging a late fee and lowering the LOC intentionally, misrepresenting consumer 's credit record.

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 2021-01-27 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: PA

Complaint narrative:
A fraudulent utility account appeared in collection on my credit report. I did not notice the issue until XX/XX/XXXX even though the account was opened in XX/XX/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 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH

Complaint narrative:
This regards Complaint # XXXX which was filed earlier this year regaring XXXX, Ohio-based law firm XXXX XXXX XXXX. 

Due to the fact that their client, Crown Asset Management actually issued a lower settlement amount ( attached ) AFTER the " bill of sale '' that was presented in Court, I did, in writing, asked to be shown the actual amount the Plaintiff paid for this " debt '' -- I believe that is an actual right/law. They declined to do this during XXXX XXXX attached XXXX. 

At issue : The Plaintiff intentionally and willingly purchased " bad-debt '' in the secondary debt market -- Debt that we all know was written-off and " credit given '' by the loan originator by the IRS. 

So -- if a debt collector decidees to sue consumer for " x number of dollars '', this amount should be made available and should be TRANSPARENT so that we can all see what is going on. How much did Crown Asset Management pay for MY " default ''? -- Because Prosper already received a credit/ '' right-off '' from the IRS XXXX 

Everyone, including the IRS knows what the amount of the " default '' was. This is not the amount that is now owed to an opportunistic party who is attempting to profit from an economically vulnerable consumer. 

As previously stated, given the poor record-keeping and the obscure nature of the secondary debt market, it is not right and should be illegal to sue someone for an amount you did NOT pay ... ... and if you " did '', and this person is still in economic despair, then this amount should be considered for a " right-off '' on their business expenses. To bring additional economic harm to already vulnerable consumers should be make illegal. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: PA

Complaint narrative:
A fraudulent utility account appeared in collection on my credit report. I did not notice the issue until XX/XX/XXXX even though the account was opened in XX/XX/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 2021-01-27 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: PA

Complaint narrative:
A fraudulent utility account appeared in collection on my credit report. I did not notice the issue until XX/XX/XXXX even though the account was opened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX  placed a negative hit on my credit report. My former husband illegally obtained a equity line of credit on a rental property that we owned with out my permission. He did this with the bank employee who was also the notary. The property eventually went to foreclosure and I was not able to make the payments due to the 2 mortgages on our primary home. My former husband abandoned me and left me with all the debt. All I am asking is for XXXX to remove the negative credit hit so that I may move forward with a refinance on my home. They refuse to comply. I have sent them documents to support my case but they still refuse. I have sent them the following : a police report, an identity theft report, a deposition excerpt from the notary who admits she never saw me sign the equity line of credit. The property after a year went to foreclosure and then auction. XXXX was fully paid the amount that was due on the loan. I have the letter of satisfaction. I also have a letter explaining my situation that I sent to 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 2021-01-27 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
I am set up for direct deposit to my checking account through the IRS, but instead of direct depositing my funds, an account was opened in my name without my permission. According to XXXX, the account activity is as follows : XX/XX/2021 XXXX Transfer to personal bank account Amount : ( {$600.00} ) XX/XX/2021 XXXX One-time Contribution from AFC Economic Impact Payments XXXX  Amount : {$600.00} According to the above, XXXX held my money for 26 days without my knowledge and without paying any interest. According to XXXX, the current rate for personal loans ( assuming XXXX has good credit ) is 10.3 percent. Very roughly, XXXX owes me {$4.00} in interest and {>= $1,000,000} for severe emotional distress. 

When I call XXXX, no one answers the phone, so I have no reason to believe that a real person would respond to mailed correspondence either. There is no place on the website to close the account. 

I want this account closed, and all future money owed to me by the United States to be direct deposited to my personal bank account as I request every year when I file my taxes. It is not for the U.S. Treasury to run a retail bank at all, much less one that opens accounts in secret and exposes Americans to potential fraud and abuse. I have already written to my Congressional Delegation on this matter and am investigating further legal options.

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 2021-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Crossroads Systems Inc.
State: TX

Complaint narrative:
Because of the covid it has made me impossible to work, they moved 2 payments, after that I have been trying to make my payments and it has become very difficult for me, but I been paying. 
On XX/XX/21 I send a payment of XXXX dollars which has not been credited to my account and I received a letter saying that if I do not pay everything in full ( XXXX what is XXXX and XXXX payment ) in 30 days, the house would be put in forclosure. 
I have called them to try to fix something and ask for help, but it is impossible to come to an arrangement with them especially with Mr. XXXX who always has a bad attitude and said that they do not accept partial payments. I'm not asking to be accepted partial payments, I'm trying to pay my debt as much as I can. 
I'm a XXXX XXXX mother and she's in my residential house.And I know the contract and commitment I have, but when I wasn't there the covid my account was up to date I actually paid a little more than my monthly payment is. 
I don't understand how there can be people so inconsiderate that in addition to it taking advantage of the thing that you don't get financing with a bank and they finance you using interest so high, they want to take advantage of you and take away what little you've achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was the victim of a scam.i received an email promoting mystery shopping and i responded to the e-mail.about two weeks later i received a XXXX  envelope with a letter that was on XXXX stationary and a check for {$3300.00} that had a company name of XXXX  XXXX  XXXX XXXX XXXX XXXX ny.and the check was drawn on valley national bank also in XXXX  ny XXXX the letter had instruction that stated.i was to cash the check and after the check had cleared i was to go to the nearest XXXX and purchase ( 3 ) {$1000.00} blank money orders.at this time i did not know it was a scam.when i deposited the check i was a little apprehensive, but when i checked my account about three days later the check had cleared the bank.so i withdraw {$3000.00} from my account thinking everything was good.and i was understanding that a bank will not clear a check and give you cash with out verifying that the check is good when you only have a balance of {$26.00} in your account. now the bank realize they made a mistake and now they are trying to collect that {$3000.00} through their collection dept. can you help me resolve this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX while reviewing my credit report I discovered on my XXXX  report that Portfolio Recovery Collections services reported to the credit bureau as of XX/XX/XXXX there is an outstanding XXXX  XXXX Balance in the amount of XXXX. 

On XX/XX/XXXX I reached out to Portfolio Recovery and spoke with a representative by the name of XXXX. According to this representative she said on XX/XX/XXXX an credit account with XXXX XXXX was opened however in XXXX XXXX the account was closed. 

I advised this representative that I did not have any open accounts with XXXX  XXXX back in XXXX and that this was fraud - nor did I ever receive any correspondence from this debt collection agency to have this matter investigated and appropriately addressed. On or about XX/XX/XXXX I opened a credit line with XXXX XXXX and then I opened a second account with this same company in XX/XX/XXXX. In XX/XX/XXXX I no longer utilized XXXX XXXX services and had both accounts closed with no remaining balance - this company also followed up with me and sent me two letters in the mail acknowledging that both account were successfully closed with no additional outstanding balances. 

According to the representative ( XXXX ) at Portfolio Recovery after informing her that this debt collection was a result of identity theft / fraud she would on my behalf submit a dispute to the credit bureau and have it submitted as ( fraud / identity theft. I was then advised again by XXXX that she would be sending me a fraud package in the mail to complete so an active investigation could be conducted. 

I am submitting this claim to the best of my ability that the information enclosed is accurate.

Company response to consumer: Closed with explanation