vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and 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 2019-08-22 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-08-22 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: MA

Complaint narrative:
on XX/XX/2019, an attorney that represented Midland Mortgage was send to tell me that the bank was filing a foreclosure on my resident. I reached out to the bank to apply for a repayment plan. I emailed and faxed to midland mortgage my application. I reach out to the a week later, they said they never received my application. so i send it again. For two weeks, I have been reaching out to them. I have spoken to 10 plus representative and a manager they claim was a lost mitigation manager and he was a collection person. I have not spoke to ANYONE from LOST MITIGATION. Every time I tried to talked to that department, Midland Reps. stated " they can't be reach or there's no way of calling them ''. 
On XX/XX/2019, XXXX bank wanted a quit claim from me which I email and faxed to them on XX/XX/19. On XX/XX/XXXX, i called and they said I was denied for a repayment plain because my net income was not high enough which I found was weird cause during the same week they asked me for a divorce decree. My net income is {$7100.00}. I spoke to a manager and he told me to send {$6000.00} in and see if they would put the {$5000.00} attorney fees toward the back end and send in my child support doc.. I called on XX/XX/XXXX, I spoke to another rep. who said that they need a letter from Massachusetts saying I was getting child support. I am so confused on how they can denied a claim in 2 days and no one single person from lost mitigation representative is assign to it where I can talk to them instead of 10 plus people from different dept. etc. customer service and collection but I have not spoken to Anyone from lost mitigation. I have called every other day and spoken to so many people that is not from that department who have given me no answers to question I ask or wrong answer. I would like to have the CFPB help me find a solution with this mortgage company since I feel they are not even working on it and just denying a chance for a repayment since I only owe {$11000.00} which part of that is attorneys fee. I can make a {$6000.00} payment on tuesday XX/XX/19.

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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX   ; XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX and 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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX   XXXX XXXX ; XXXX XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX/XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I qualified for the Pave The Wage Promotion with Moneylion, opening an account at the end of XX/XX/XXXX and making direct deposits of greater than {$3000.00} every two weeks starting XX/XX/XXXX. I was supposed to get {$590.00} after 90 days for maintaining that direct deposit, but have not received anything and no resolution from customer support despite multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX.

I am a young adult XXXX XXXX blessed in the surrounding of law enforcement professionals.

incident ) XX/XX/XXXX Where ) MERCEDES BENZ OF XXXX, ca Purpose of visit ) maintenance on car ( purchased through them and full price. ) Not only do I have proof of identity theft, but XXXX XXXX is happy to fax anytime the existing process my victim ID number when it came to the sales pitch of getting a ledge a debit card ( s ) consumers mistook / gave their trust & all of our credit scores dropped. ( released XX/XX/XXXX / NEWS - I wish photographs could be shared here.

As a XXXX XXXX, the previous managers of MB XXXX  were very close clientele of ours.

I walked into one familiar face ( my service tech ) and proceeded with tuneup

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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 have incorrect information on my credit file that does not belong to me. If you can not prove that these accounts belong to me ( which is impossible because they are not mine ) than they must be removed by law.

XXXX   COLLECTIONS : INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTIONS : - XXXX - XX/XX/XXXX - {$40.00} - XXXX XXXX - XXXX  - XXXX XXXX XX/XX/XXXX - {$170.00} INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX COLLECTIONS : INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
This company ran unauthorized credit inquiries on my credit report. This is suspicious to me and so kindly delete asap : 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 2019-08-22 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: I.C. System, Inc.
State: IL

Complaint narrative:
theirs a creditor I C Systems on my credit report that i had to get credit repairs to remove i was a victim of identity theft that is why this item was removed from my report before this is not mines

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 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MN

Complaint narrative:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. View

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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 have incorrect information on my credit file as a result of identity theft : XXXX NEGATIVE ACCOUNTS : - XXXX XXXX - XXXX  - XX/XX/XXXX - {$2500.00} COLLECTIONS : NONE INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX NEGATIVE ACCOUNTS : - XXXX XXXX/XXXX - XXXX - XX/XX/XXXX - {$2500.00} COLLECTIONS : NONE INQUIRIES : - XXXX XXXX XX/XX/XXXX - XXXX XXXX   XX/XX/XXXX XXXX COLLECTIONS : INQUIRIES :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-08-22 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: NJ

Complaint narrative:
Fraudulent account opened in my name. Account : XXXX. Partial account number : XXXX. Account : XXXX. Partial account : Account XXXX. Account : XXXX XXXX Partial account : 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 2019-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
This is my second complaint regarding a XXXX purchase I did not make dating several years back. I disputed this purchase with the company and filed a CFPB complaint and the credit has not been applied to 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 explanation
Consumer complaint received 2019-08-22 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: U.S. BANCORP
State: MO

Complaint narrative:
In 2016, I received a letter from US Bank indicating someone attempted to open a credit card using my identity from an unknown address. At that time I reviewed my credit report, saw no activity, but put a fraud alert onto my account. Recently, while applying for new credit, I noted a past due balance with late payment activity on my credit report from US Bank connected to this false address. I contacted the credit bureaus to dispute the activity. XXXX indicated they would not remove this activity from my credit report. I tried calling US Bank to dispute the report, but was put on hold and bounced from number to number for 20 minutes.

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 2019-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion should post the latest update on mt credit report

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 2019-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
The bank performed an international wire transfer on Tuesday, XX/XX/2019 in the amount of {$43000.00}. The receipt indicates the funds should have been available on XX/XX/2019. To date ( XX/XX/2019 ), the funds have not arrived at the destination.

I have emailed my bank with no response. I have called and have not received a call back. I contacted the dispute number on my receipt and placed a trace on the funds with a request the funds be returned if found. To date, the funds are still missing. 

All account numbers, etc. on the wire transfer have been confirmed and are correct.

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 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I filed a claim for unauthorized transactions ( XXXX ) with WELLS FARGO. I have yet to have my funds returned to my account. I demand my stolen funds be returned to my account immediately. We already cancelled the card and the new one has been shipped to 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 explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tribal Lending Enterprise, Inc.
State: MO

Complaint narrative:
I received a letter ( in mail ) from Golden Valley Lending ( 'GVL ' ) regarding the pending default on a loan. I have never had a loan or done any business with GVL. I called the customer service number and they indicated it was a for small unsecured loan of {$1000.00} distributed via ACH on XX/XX/2019. No such distribution was received and I believe that, if the distribution ever occurred, it was done fraudently to another individual using my information.

Per directions, I initiated a complaint with the complaint department at GVL. They have indicated that the actions have been placed on hold for 30 days for supporting documentation to be provided.

Since that point I have initiated fraud alerts with the credit reporting agencies ; am working to provide the requested information including a filed complaint with my local law enforcement agency. In addition, I am in the process of filing an Identity Theft report with the FTC.

Personally, I believe that the loan may never have occurred and GVL was using
the letter and other actions as part of a larger scam. I have no evidence of this, however, I have read several accounts online, including this site, of others having this problem with GVL.

My understanding is that filing this complain will allow me to see what documentation GVL has with regard to the alleged loan.

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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Complaint XXXX. USAA FSB took ownership and responded to CFPB incorrectly. USAA FSB is not involved in this claim and I was corresponding with USAA. USAA FSB should not of answered this complaint at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: MO

Complaint narrative:
In 2016, I received a letter from XXXX XXXX indicating someone attempted to open a credit card using my identity from an unknown address. At that time I reviewed my credit report, saw no activity, but put a fraud alert onto my account. Recently, while applying for new credit, I noted a past due balance with late payment activity on my credit report from XXXX XXXX connected to this false address. I contacted the credit bureaus to dispute the activity. Experian indicated they would not remove this activity from my credit report. I tried calling XXXX XXXX to dispute the report, but was put on hold and bounced from number to number for 20 minutes.

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