vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 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: MA

Complaint narrative:
Transunion, XXXX and XXXX, are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, XXXX is reporting the account as XXXX/XXXX  XXXX, TRANSUNION is reporting the account as XXXX XXXX  XXXX XXXX XXXX   XXXX and XXXX is reporting the account as XXXX  XXXX XXXX XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.

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 2020-01-29 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:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX and XXXX XXXX had several accounts, including an individual for XXXX and 1 joint with XXXX and XXXX, at TD Bank. They were opened at XXXX XXXX XXXX in XXXX  XXXX, NY XXXX. The manager who is aware of the below is XXXX, XXXX. 

On or about XX/XX/2020, XXXX XXXX received notice that his checking account " was hacked '' and that it was closed. No further info was provided. ( All properly written checks were bounced, incurring fees. ) XXXX was instructed to come into the branch and open a new account, which he did. 

Within a week, on or about XX/XX/2020, XXXX XXXX received written notice that the new account, not 7 days old, had funds withdrawn on it in a TD branch XXXX XXXX, Florida. A person, using XXXX XXXX NEW bank account number and SSN, deposited a bad check for {$3000.00} one day, and the next morning withdrew {$2200.00} using a teller check with the new acct numbers and XXXX XXXX SSN. Despite the signature not looking anything like XXXX XXXX ( as noted by XXXX, bank manager in New York ), the funds were paid. That account was closed, and properly written checks were bounced, incurring fees. A 3rd account was opened, this time being password protected. The account has since been charged a low balance fee. 

On XX/XX/2020, XXXX XXXX receives a call at home in New York that another TD account that she never uses, but on which she is joint with XXXX and is used to pay a mortgage, was attempted to be drawn on at a TD branch in XXXX XXXX, Florida. The caller was XXXX, XXXX, the manager. Her teller had recognized the NYS ID presented as fake and not paid. Again, the perpetrator had the bank account number and XXXX XXXX   SSN, in addition to fake ID. XXXX would not provide a copy of the fake ID. She claimed she would be calling the police. XXXX followed up with XXXX to get a copy of the ID and have him get the facts from XXXX, to see how the investigation from the XX/XX/XXXX fraud was proceeding, and to ask when the {$2200.00} would be re-deposited. XXXX advised that an investigator had not even been appointed, two weeks after the SECOND fraud, as " it was only a week and a half ago '' that he filed his paperwork.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  and Experian are reporting incorrectly that I am ( 120 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-29 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:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC
State: OH

Complaint narrative:
I have been working with reliance first capital llc out of Ohio. This process started in XX/XX/XXXX. We found a house in XX/XX/XXXX and began the process of an fha loan with myself as the borrower. I had a bankruptcy in the past with a discharge date of XX/XX/XXXX. I do however make over XXXX $ a year. 
From XX/XX/XXXXXXXX XX/XX/XXXX I have sent all documents including court papers. My attorney wrote up documentation and also sent documents. The underwriter stated he does not see enough evidence and will not allow a loan until XX/XX/XXXX 2 months after the discharge date. The underwriter has asked for item the I feel are outside of the scope of this loan. Including student loans from 20 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-29 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenitycapital/XXXX  is listed as a hard inquiry on my Credit Report, for which I have no knowledge of nor have I contracted with them. Comenitycapital/XXXX  has not provided any contact or account information so that is verified or validated. On my credit report simply indicates " No contact information has been reported by this creditor. '' This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. 

I have disputed this inquiry CFPB Complaint number XXXX-XXXX  on XX/XX/18 and did receive a response from Comenity Capital Bank. The response which is also attached advised " If you believe this application was submitted fraudulently in your name, please contact our Account Protection ( Fraud ) Team at ( XXXX ) XXXX. '' I have followed the proper chain of command verified my information with their customer service representative to no avail. The representative advised that he would be sending me a letter in the mail, I have yet to receive. 

This is a fraudulent inquiry, I did not and do not need any business for XXXX XXXX XXXX. I have no idea who or what company this is?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like my personal information to show on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My home has been in foreclosure since XX/XX/XXXX. I prevailed in the initial foreclosure case but after several years the XXXX  XXXX XXXX XXXX XXXX foreclosed again and the sale date occurred on XX/XX/XXXX. I requested the Loan Servicer, Bay View Loan Servicing modify my mortgage to a monthly payment amount I could afford. 


I obtained an Attorney that specialized in Loss Mitigation and submitted all required documents and financials to my Attorney but during the loss mitigation review process the sale date occurred. The sale date should not have occurred while we were in midstream of Loss Mitigation. My Attorney maintains there is a recent regulation prohibiting a foreclosure sale while Loss Mitigation is in progress. My Attorney filed a Motion to Vacate the foreclosure sale ; however, the Circuit Judge denied our objection to the sale. 

My wife and XXXX year old son live in our home and our home is a place of business for both my wife and I as we are a XXXX XXXX. Foreclosure of our home will be devastating to our lives and our XXXX XXXX and ongoing renovation projects. 

Please help me work out a solution with the Loan Servicer, Bayview and the XXXX XXXX XXXX XXXX XXXX. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone apparently hacked my Experian online account, so that I can not login, and when I try to access my experian account information using my social security number and birthdate as they request, the system says " we have sent your account information to xyz email address ''. Unfortunately the email address they are sending my account information to ( username reminders, password resets ) is *not* my email address, instead it is an account on some XXXX server XXXX. Experians automated phone service only allows for continued username reminders and password resets - and there is nobody to talk to about someone having improper access to my credit report via a fraudulent email / stolen Experian account. I have called every single number I can find for experian and can not reach a human to deal with this fraudulent email being associated with my credit report information on their website.

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 2020-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Hello, I am in the public service loan forgiveness program since XX/XX/XXXX and submit my re certification paper work each year. I had 57 documented qualifying payments as of XX/XX/XXXX, however, sometime around XX/XX/XXXX my qualifying payment count has dropped to zero, I have called them several times to have this matter addressed and they are absolutely unable to correct the issue in a timely manner. We are more than 6 months from when I previously inquired about this. They state they are still in the process of reviewing payments and there is no time line and they can take as long as they want. I request your assistance as this is one of the worst experiences I have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: MA

Complaint narrative:
XXXX, XXXX  and EQUIFAX, are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, XXXX  is reporting the account as XXXX/XXXX  XXXX, XXXX  is reporting the account as XXXX XXXX  XXXX XXXX/ XXXX   XXXX and EQUIFAX is reporting the account as XXXX  XXXX XXXX XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX, Experian and XXXX, are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, EXPERIAN is reporting the account as XXXX/XXXX XXXX, XXXX is reporting the account as XXXX XXXX XXXX XXXX/ XXXX   XXXX and XXXX  is reporting the account as XXXX XXXX XXXX XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.

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 2020-01-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a validation letter to XXXX XXXX XXXX XXXX, I also sent a dispute challenge letter to both XXXX and Experian back in XX/XX/2019. In reference to account XXXX XXXX  XXXX   XXXX : I recently received an updated letter from both companies XXXX  & Experian stating that the account has been verified. I have yet to receive a response from XXXX XXXX XXXX XXXX. If the furnisher has not responded to my validation request. How can XXXX and Experian verify this account?? This is a violation.

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 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like my personal information to show on file.

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 2020-01-29 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: OH

Complaint narrative:
There is an account on my credit report for Equifax that is reporting a fraudulent balance and payment history. Evidence was provided to Equifax from the creditor, XXXX XXXX to confirm the account balance and history can not be verified. See enclosed documents and letter, which shows that the balance can not be verified due to conflicting documents regarding the repossession costs, that the balance for GAP insurance conflicts contractual agreements, and that the payment history reported by XXXX XXXX does not match the credit report. 

According to Equifax 's response ( see attached ), the balance was updated. However, the actual credit report has the same balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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:
CRA is in violation of DODD FRANK ACT and several consumer protection laws, also federal and state laws.

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 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax will not provide my free credit report through XXXX They are requiring me to pay additional money because they are requiring me to mail something in by USPS and make copies of my personal documents in order to supposedly access my credit report. The other credit bureaus on XXXX have returned my report without any issue. Only Equifax is stonewalling and violation the law and regulations governing free online access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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 was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX   XXXX {$400.00}

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 2020-01-29 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 was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX   XXXX {$400.00}

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 non-monetary relief
Consumer complaint received 2020-01-29 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: Midwest Recovery Systems
State: CA

Complaint narrative:
The collection agency is re reporting a debt from XX/XX/2001 as a new debt. This debt was on my credit report for 7 years which is the statue from the credit reporting act. once that expired the company report as a new debt. I have disputed this debt with XXXX, XXXX, and XXXX. The response is inaccurate and a violation of the credit reporting act.

Company response to consumer: Closed with explanation