vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 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: GA

Complaint narrative:
I HAVE REQUESTED FROM EQUIFAX ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX, XXXX, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I use XXXX XXXX to get my credit reports through, and my Equifax report showed that I had 3 payments NOT received this month for XXXX XXXX. I am a XXXX XXXX. ( XX/XX/19 called ALL DAY waiting for call backs ) ) and I am on XXXX ( Mental health XXXX etc. ) and my XXXX XXXX payments are paid monthly out of my check BEFORE I receive it. ( AUTOMATIC ) I contacted Child support and they said that they've received this months payments and I am NOT behind in any way on payments. They suggested I file a complaint through the reporting agencies web site and try to resolve it. 
I attempted to do this through Equifax, but for some reason, after looking up all the info online to verify my identity ( Security questions / Highly sensitive questions about balances etc. / personal information, and more information than I can even REMEMBER ) ) They wanted me to send them a copy of my birth certificate and drivers license. 

I checked TODAY on whether my data was breached through Equifax ( Recent judgment against them for security breach ) and found that my information WAS breached, so I filed for compensation and successfully completed that process. FUNNY how someone was able to get my information so easily, yet I can't even get through the front door of this company to just correct missed payment status on my report??? 

I called them 4 times, and each time I got the same run around, and asked for a supervisor after the 3rd time, and I still got the same exact questions ( Verbatim ) from what they tried to say was a SUPERVISOR : ( : (

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
In the middle of XXXX I began applying for a mortgage. I had gotten pre approval letters from 3 lenders for USDA Guaranteed loan. I was approved by Quicken loans had an approval letter, and put in an offer on a house that was to be built. 

Everything was processed, and when I asked for the next step in the process, they told me it was the " good faith deposit '' of {$500.00}, that would be used to pay for the appraisal and roll into the closing costs. I was assured this would be refundable, as the appraisal wasnt going to be done until the home was built. Of course, this was never mentioned until I pointed out that they were not my only potential lender, as I was shopping around, suddenly, they needed a deposit. 
DO NOT AGREE TO QUICKEN LOANS GOOD FAITH DEPOSIT AGREEMENT! 

after 8 weeks, and submitting every document requested, i was told last night that Quicken loans was unable to approve me through USDA financing. My very next step was to ask that the deposit be refunded. This morning I got a call trying to convince me to borrow money or get a gift for a down payment, since my only option was going to FHA loan. When I told them that was not an option, they told me the appraisal had been done, and the money was not refundable. 
The appraisal they gave me and my request for a refund were both dated XX/XX/2019. 

I was adamant that the money would be refundable, and was told the appraisal would not be completed until the home was built. This was only a deposit to continue to process my loan. I was lied to. 

I feel that the lender is a scam, knowingly progressing to a point of no return, then having it all blow up in my face, walking away with my {$500.00}. 

How could I get to this point with USDA financing, only to be told they cant do it. I am aghast. 

Why would a company request an appraisal for a home not yet built, knowing full well they will not be able to finance the loan with the agreed upon terms?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I experienced hail damage to my home during a catastrophic event on XX/XX/XXXX. I filed a claim with my insurance company and they promptly sent out an adjuster to examine the damages. A settlement check in the amount of XXXX was sent to me to cover the cost of the damages. My mortgage company needed to endorse the check in order for repairs to begin. At this point I was informed that it would be a " monitored settlement '' and they would have complete control of all distribution of funds to all contractors. Furthermore, they are requiring six pieces of documentation from each contractor before they release any funds. They will only release 1/3 of the cost to any contractor to start the job and will not release any more until the job is complete and inspected by a company of their choosing. Furthermore they are going to charge me for the cost of inspection by adding it to my mortgage payment. I pay my insurance premium, I pay my mortgage yet they have total control of the repair funds and if I don't comply as they said " your home doesn't get repaired ''. I also try to work with very reputable but small businesses in my community who can not afford to wait to be paid for jobs done. Their procedures will cause them hardship and limit my ability to chose the best man for the job. It is worth noting that I did not pick this company to deal with. My mortgage was sold to them and I am thus compelled to work with them. The mortgage company is New Rez based in XXXX XXXX. Their process is too complex and restricts my rights as a consumer who has never missed a payment or shown any other signs of fiscal irresponsible behavior. I also feel that the unnecessary delay in the repair of my home may cause more damage and cause me more XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This has been paid since XXXX. STILL noted on my account as in collection. Would love some help. Have formal letter stating otherwise and attached!

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 2019-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
I recently discovered that my spouse had applied for a XXXX loan with Lending Club and had listed me as a XXXX without my knowledge or permission on XX/XX/XXXX. I was unaware of this until I noticed that my credit score had dropped dramatically and I found it on my credit report. I contacted Lending Club and spoke with XXXX on XX/XX/XXXX to question how I ended up on the loan. He told me that my spouse had listed me as a XXXX. The money was deposited into his individual account so I was unaware that the loan was taken out. I believe that I should not be held responsible for the loan since I was not given the opportunity to review the terms of the agreement, or the Truth in Lending Disclosure. Additionally there was a Consent to Electronic Transactions and Disclosures which I did not sign or to agree to. Lending Club made no attempt to send me these documents by email, through regular mail, or reach me by phone to verify my status as XXXX. If an electronic signature is used to obtain consent and finalize the loan, then the signatures on the required documents should be sent from the email from the person who is entering into the contract. Lending Club was negligent in creating one single electronic contract with both the XXXX and XXXX  XXXX 's names to which only the XXXX could access.. Lending Club did not make any reasonable attempt to verify that I wanted to be a XXXX and in fact did not even have my email until I called to ask to have my name removed from the loan on XX/XX/XXXX. It seems as if Lending Club has no safeguards in place to verify that the application is not fraudulent. If a loan is closed in person, photo id is requested. What did Lending Club do to verify the application? I believe that even though I am the spouse I still have the legal right to review my responsibilities as XXXX-XXXX. Lending Club operates under the impression that it is acceptable to assume that the XXXX is in agreement with the terms of the loan, even though his or her electronic signature arrives through the XXXX 's email. It is certainly not the norm for spouses to share an email.so this serves as evidence that Lending Club 's practices are very weak and risky. I am asking that my name be removed from this loan. Lending Club is free to take whatever legal action they deem appropriate against the XXXX who submitted the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Approximately 3 years ago I was informed by the DMV of Florida that my address and driver 's license information was compromised. They could not give specific information but told me this was the case. Further details are that I applied for a HazMat endorsement on my license and was waiting about six months and never received it. I went to the DMV to  inquire why and they asked me was I still living in XXXX XXXX Florida at a street address that I do not remember. I told them I have never lived in XXXX XXXX Florida and asked them when and how was my address changed and they had no specific information just that my driver 's license had gone there. Since there was nothing I could do about it I forgot about it until a series of data breaches of my bank accounts occurred over the intervening years since. The first one that I recall is approximately around the time where this vehicle was allegedly late for the first time that I was made aware of. I used a third-party service to authorize automatic payments for this vehicle and they were not transferred to Santander Consumer USA because they had been diverted elsewhere. I was not aware of any problem until I received a written notice in the mail that I was to hand over the vehicle that I had bought through them. I told them of the issue and that I would catch the payments up and find out what had happened to the payments that I made through the third party service on my own time. They said that they understood and that it would not be a problem and they would not report me as late on these issues. Within approximately six weeks all of the payments have been caught up and I thought nothing of this issue until I saw my credit report recently. In regards to the recent supposed late payments I suffered an injury and could not work on the job that I had at that time. I called them and told them I would make partial payments until all of the balance was XXXX which is what I did. Yet again I was assured that it would not be a problem. Considering this agreement which I should have gotten in writing I do not think reporting all of these supposedly late payments is correct or Fair and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have been trying to get XXXX to correct the incorrect information on my report since XXXX. XXXX stated it was corrected. I recently applied for a refinance for my mortgage and the SAME ERROR WAS ON THE XXXX  REPORT -- NOT ON ANY OTHER REPORT. 
IN ADDITION -- THE ERROR MADE INDICATED I HAD A CAPITOL ONE CHARGE CARD WITH OUTSTANDING BALANCES. 
I DO NOT NOR EVER HAD A CAPITOL ONE CHARGE CARD. AND THIS COINCIDES WITH THE DATES OF THE DATA BREACH OF CAPITOL ONE CREDIT CARD FRAUD JUST IN THE NEWS TODAY XX/XX/XXXX THIS HAS OBVIOUSLY GOING ON SINCE AT LEAST XXXX. 

AND XXXX ALSO HAD ME LIVING AT ADDRESSES I HAVE NEVER LIVED AT UNDER NAMES I NEVER HAD. 
PLEASE ADD THE CAPITOL ONE INFORMATION TO THE CLAIM I SUBMITTED XXXX. AS STATED EARLIER, I HAD CONTACTED MY STATE CONGRESSIONAL SENATOR WHO ALSO TOLD ME XXXX HAD ASSURED HIM THE ERROR WAS CORRECTED. THIS WAS IN XXXX. I HAVE LETTERS FROM SENATOR XXXX XXXX -- STATE OF CONNECTICUT IT NEVER WAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: GA

Complaint narrative:
I HAVE REQUESTED BY EXPERIAN ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX,, EXPERIAN HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2019, I contacted Synchrony Bank/Pay Pal after noticing a new account was opened under my name and SSN, which I had not done. After taking my information, the Bank informed me that this was the result of identify theft and that the Bank was ( 1 ) going to close the account, ( 2 ) put on a fraud alert, and ( 3 ) notify the credit bureaus. I asked them specifically if I needed to also notify the credit bureaus and they told me I did not. The same day, I placed a credit freeze with all three credit bureaus. 

Several weeks later, I saw that another new account was showing up on my credit report for Synchrony Bank/Pay Pal. I called again to inquire how this was possible. The agent told me that the " computer '' generated a new account when the old account was closed. The agent also told me that a new card was sent to the address on file ( notably, NOT my current address ). The agent told me that he would close the account again. I asked if he was also going to notify the credit bureaus, and he said he was not planning to. I told him that my credit score has already gone down as a result of the newly opened fraudulent accounts and asked that he contact the bureaus about the new account, and he told me he would. 

After this conversation, I began contacting the bureaus to dispute the two Synchrony Bank accounts that are still listed on my credit reports. I just got off the phone with XXXX  and the XXXX   agent told me that Synchrony Bank never reported the identify theft/fraudulent account to the credit bureau. 

This is an outrageous situation.

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 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANAGE has engaged in harassment by abusively calling the above mentioned number numerous times every day of the week without relent. These calls start as early as 7 am and don't stop until as late as bedtime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Third party search company company used by a property management company is reporting an eviction. Both myself and the landlord are trying to find out how to report this as an error and have it taken off. XXXX XXXX, the third party, says they have no ability to help and to contact Experian. Experian says it has no record of this YET I have documents which have prevented me from getting in lease in my own name which have appeared. I'm afraid to even apply elsewhere. This is madness. I feel like I'm being held XXXX. Where is this information being kept and how do I get it off my records?? Thank you and please see attached.

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 2019-07-30 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: GA

Complaint narrative:
On XX/XX/XXXX I recieved an email from XXXX, a credit reporting group, who told me my credit score had declined, see details The details in summary said that the report I filed to XXXX XXXX XXXX complaining on a legititamate overcharge on my visa card of {$12.00} by a restaurant, documented and emailed to them, has not been resolved, but that Transunion has shown that my credit score has declined from XXXX to XXXX due to my filing a claim. 
I called XXXX XXXX XXXX, and they said that there was nothing they could do about the decline in the credit score as they only report such issues to the credit bureaus, and they were surprised that it would affect my credit. 
I tried to go online to Transunion, however, the online claim reports indicated I could not complain about my score to them, they had the right to do what they wanted. 
No company, or group of credit reporting companies, should have the right to reduce anyones credit because they found an error on the charges on their account, and questioned an overcharge. They said " well, perhaps in 30 or so days when this issue was studied and resolved, perhaps the credit score will go back up. However, they had not control over this and they only report it to the bureaus as they are instructed. '' Well, firstly, I don't think this should be allowed to be reported to credit bureaus, and secondly, no credit bureaus should be allowed such powers to adjust your credit report for asking a question. 

Is this right?

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 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2017 Original Creditor Capital One Bank collection agency XXXX XXXX. I've disputed this on many occasions stating that I did not open this account with XXXX XXXX, XXXX and XXXX  and yet the account remains on my credit file. With the latest news of Capital One data breach this further backs my complaint. Please advise this collection account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted USBK Court Northern Georgia who says they don't report information to credit bureaus nor do they find any information regarding myself. I contacted Trans Union in regards to this information, but yet it still remains on my credit file inaccurately. I asked that it be removed on several occasions to no avail.

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 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate

Company response to consumer: Closed with explanation