vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a XXXX  father to a XXXX XXXX, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2020-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
So I was a customer of US Bank XXXX XXXX for 5 years. Never really had any major issues other that my month to monthly payments changes the first couple years cause they didnt get the escrow right. The way I set up my account through them they were 100 % on charge of paying the property taxes. In my city you can pay in full or 2 different installment plans. They decided it was easier for them to do them 2 installments. My issue you is I found a way better interest rate with different Mortgage company and during that process of refinancing the 2nd installment of property taxes were gon na come due the month after I refinanced and my previous company ( US Bank ) did not send that info to my new company, when trying to figure out the problem with the property tax they are putting the blame on me when they are the ones in charge of the taxes. They 100 % new they only did the 1st installment and will not take any responsibility for notifyingthe new company of qhen the 2nd installment was due. Now I have a {$1100.00} tax payment I have to pay cause they were not on top of there game.

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 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX reported for missing a payment in XX/XX/XXXX. I have not had a running balance with this creditor in 4 years. They charge me a fee of XXXX a month. I have had a great payment record of this fee for the last four years. In the midst of eveything going on this year I don't have the patience for a negative credit mark on a FEE. I don't even have the physical card. There has not be a swipe on that account or a delinquency in some time. 

XXXX XXXX XXXX should remove the monthly fee ( what am I paying for ) and correct their report to my credit in XX/XX/2020 of a missed payment. Again, there is no actual charge or running balance on the card. ZERO purchases on this card. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$14000.00} XXXX  XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX {$390.00} XXXX XXXX {$2000.00} DPT EDXXXX XXXX {$6800.00} DPT EDXXXX XXXX {$8200.00} XXXX XXXX XXXX {$3800.00} DPT EDXXXX XXXX {$300.00} XXXX XXXX XXXX {$4300.00}

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 2020-08-27 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$14000.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX {$390.00} XXXX XXXX {$2000.00} DPT EDXXXX XXXX {$6800.00} DPT EDXXXX XXXX {$8200.00} XXXX XXXX XXXX {$3800.00} DPT EDXXXX XXXX {$300.00} XXXX XXXX XXXX {$4300.00}

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 2020-08-27 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: RMS-Recovery Management Services, Inc.
State: MI

Complaint narrative:
Please describe this debt to me as I am not familiar with this.

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 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I received a letter from UNIFIN debt collector that stated I had to pay XXXX ..this debt was originally purchased from XXXX XXXX XXXX XX/XX/XXXX. from XXXX XXXX XXXX back on date XX/XX/XXXX. I called unifin XXXX on XX/XX/XXXX @ XXXX I spoke to a woman wouldnt give me her name I told her this debt had been paid off back in XXXX to XXXX XXXX I have proof ... she told me that the original debt was only paid on for XXXX back on XX/XX/XXXX ... I had set up payment plans for XXXX after the initial payment of XXXX on date XX/XX/XXXX ... the woman spoke in XXXX accesnt and couldnt provide any proof stating the original account from XXXX XXXX   was paid off. I asked for them to send me proof of the account agreement from the company XXXX XXXX she immediately got discouraged with me stating it wasnt her job to prove or provide that information.. then she stated YOU CAN STAY IN COLLECTIONS FOR ALL I CARE ... then hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: GA

Complaint narrative:
I do not recognize these inquirers on my credit report and requested the Experian to remove them as I did not give these companies permission to pull my credit report. I really don't know who these companies are : XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX When I dispute them with Experian and XXXX  the response is automated stating the information is verified and never investigated. Please remove ASAP.

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 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am requesting for a late payment from XX/XX/2020 be removed from Discover Financial Services LLC on my credit report. My household was greatly affected and experienced financial hardship from COVID-19. 

I contacted Discover Financial Services in advance to make them aware of my situation and two request were made to Discover Financial Services LLC asking to remove the late payment which were both denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Paypal/Sync bank have suddenly ( XXXX ) claimed I opened a Paypal account back in XXXX and there were a couple of charges in XXXX. I never opened Paypal. I do not like them and refuse to use them in general. However, when they send me bills and emails, I call the fraud dept and they still state that this is my account with no proof. I am XXXX and they are creating great anxiety for me. 
This has been going on for a year now. Here is their number if needed : Synchrony XXXX Paypal:XXXX Please help.

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 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
This company has sent info to fraudulent addresses that I never lived at to collect on a debt I never owed. I never did business with this company. I believe identity theft is involved. I need this account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Kriya Capital, LLC
State: SC

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
The only problem I have had is with XXXX Credit. 

XX/XX/XXXX I signed up for a card at the store - never received the card or any statement from XXXX. After a few weeks I contacted XXXX and the resent card and I subsequently finally received a statement showing late fee. I complained to XXXX and they removed the late fee but never removed the credit report of a late fee.XXXX remains the only adverse account on my report. My credit score dropped 45 points in XXXX as a result. 

I filed a complaint with Trans Union on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In all cases investigation showed Trans union simply accepted XXXX XXXX version disclaiming any responsibility. 

I had a previous issue with XXXX website regarding the failure of their alert system in the billing website. After having that card for 15 years I cancelled the card and did not re-apply until XXXX, XXXX. I have now cancelled the most recent card from XXXX as well. 

I have a significant net worth and have no issues with any other lender but 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 2020-08-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a XXXX XXXX, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2020-08-27 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: TN

Complaint narrative:
Hey my name is XXXX XXXX XXXX : I am writing because i have disputed inaccurate information on my credit report with the credit bureaus and they STILL will not remove it from credit report. I understand that they have to remove it if it is inccorrect. Will you please view my file and the information so that it can be corrected. 

XXXX XXXX please remove this because there are two seperate credit limits ( {$1900.00} {$0.00} ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : please remove this because the balance is INCORRECT XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX THIS IS NOT MY ACCOUNT XXXX   XXXX XXXX please remove this because the date of last activity is inaccorect

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 2020-08-27 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: IL

Complaint narrative:
On XX/XX/XXXX of this year I sent letters to XXXX, XXXX and TransUnion to look into an error on my credit report that shows I was 90 days late in XX/XX/XXXX. The reports does not say I was ( 60 days ) late in XX/XX/XXXX nor does it say ( 30 days ) late in XX/XX/XXXX. It is just marked as 90 days late in XX/XX/XXXX. I asked them to delete this error and was sent back a response they as " updated ''. nothing was changed or updated, that was just something they used to close dispute I supposed. 
I think it is very unfair to have them report want ever they chose and then state it was closed. Also, during this process of other accounts disputed there was an account deleted in XX/XX/XXXX then added back a month later without giving me proper notification on why this account was added. This goes against my rights.

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 2020-08-27 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: IL

Complaint narrative:
On XX/XX/XXXX of this year I sent letters to XXXX, Equifax and XXXX to look into an error on my credit report that shows I was 90 days late in XX/XX/XXXX. The reports does not say I was ( 60 days ) late in XX/XX/XXXX nor does it say ( 30 days ) late in XX/XX/XXXX. It is just marked as 90 days late in XX/XX/XXXX. I asked them to delete this error and was sent back a response they as " updated ''. nothing was changed or updated, that was just something they used to close dispute I supposed. 
I think it is very unfair to have them report want ever they chose and then state it was closed. Also, during this process of other accounts disputed there was an account deleted in XX/XX/XXXX then added back a month later without giving me proper notification on why this account was added. This goes against my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
My mortgage servicer changed hands XX/XX/XXXX being transferred from XXXX XXXX XXXX to Freedom Mortgage. 
I sent Freedom Mortgage a Cashier 's Check for {$1500.00} on XX/XX/2020. Shortly after I began receiving " past due '' notices from Freedom Mortgage. 

I contacted a supervisor at Freedom Mortgage who researched the situation. He found that Freedom Mortgage received my Cashier 's  Check, which had my name on it, and mailed it to people in the state of Utah unprocessed. They did this because they claim the loan number matched these folks loan number despite having paid off their mortgage some time ago. These people ae not know to me. 

In summary : 1. Freedom Mortgage received my payment. They admit this. 
2. Freedom Mortgage did not process this into my mortgage account.

3. Freedom Mortgage mailed the Cashier 's Check to someone in Utah. 
4. Freedom Mortgage is sending " past Due '' notices despite knowing about this situation and have received subsequent monthly payments.

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 2020-08-27 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: DISCOVER BANK
State: NY

Complaint narrative:
1 ) My family booked a trip to trip to XXXX and XXXX from XX/XX/20 to XX/XX/20. It was at a beautiful XXXX XXXX that I have stayed at before. 
2 ) I purchased this trip with a {$500.00} deposit and a {$6800.00} final payment for a total of {$7300.00}. 
3 ) The resort closed down due to Covid and I was unable to travel. Note I did not cancel the trip, the resort closed. I have submitted proof of their closing down. 
4 ) XXXX would not respond to my emails or phone calls, ( see attached ). When I did not get a reply, I disputed the charge with my Discover Card. 
5 ) I initially received a temporary credit, but then Discover said they found in the merchants favor. My calls to Discover card have fallen on deaf ears. I tried to explain to them, that I did not cancel the trip and I wanted to go on the trip. 

This situation is almost comical, how can I be charged by a merchant who canceled on me??? 

Please help. {$7300.00} is a lot of money. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently was made aware that there was a balance on my Citibank Mastercard. I called and paid off the account on XX/XX/2020 with the understanding that this would end the negative reporting to my credit report files as required by the fair credit reporting act law. Citibank continues to report negative reports to the credit bureaus about this account even though l paid this account off. I spoke with manager XXXX # XXXX ( XXXX ) on XX/XX/2020 to try and resolve this issue but he refused to listen to reason or accept that I have the receipt showing that the account was paid off on XX/XX/2020. Furthermore, XXXX insisted that even though I paid off the account, Citi bank had the right to continue to submit negative reports to the 3 credit bureaus about this account that I paid off. This is a direct violation of the Fair Credit Reporting Act. I am really bothered by Citibank 's unethical practices and want this matter resolved ASAP!

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