vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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 purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-05-15 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 purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-05-15 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:
Ive been trying to get insurance on my vehicle for some time now. Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my 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 2020-05-15 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:
Ive been trying to get insurance on my vehicle for some time now. Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my 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 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
During this COVID pandemic, I got distracted by caring for a sick family member and was late on my credit card payment with CITI. I have had this account for 5+ years, always in good standing, never a time where I did not pay or became delinquent or had any issues reported on the account. I got an email stating my account was late and they refunded the late fee because I have never missed a payment. When I first got this, I was do grateful and happy they were proactive with that. That moment, I made the payment online and the account is current. Again, never any issues with the account. This missed payment was in early XXXX 2020. Then, today, I got a separate notice saying they adjusted my credit limit down, decreasing my available credit and sighting " my utilization of credit with other accounts was high. '' My credit utilization has been the same for the last 2-3 years. This particular account has not been used for many many months as a way to positively impact my credit utilization. By Citi taking this adverse action at a time of a global pandemic and lowering my credit, it puts me in a worse position because my credit utilization, which they sight as the reason for the adverse action and reducing my line actually makes my credit utilization WORSE. It is unfair and unethical to impact customers in good standing during a time of national and global crisis while at the same time publicly stating Citi is here to help people impacted. This type of adverse action is uncalled for. My credit profile has not changed in years and I think it is unfair and irresponsible to be taking adverse action on a long time customer, in good standing who made a mistake by paying an account late in the middle of a global pandemic.

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 2020-05-15 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collections I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$28000.00} XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$7700.00} XXXX  XXXX {$4300.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$570.00} EQUIFAX XXXX {$2500.00} XXXX   XXXX {$570.00} XXXX  XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX  XXXX {$1400.00} XXXX   XXXX XXXX {$200.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX  XXXX {$1400.00} XXXX   XXXX XXXX {$200.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$980.00}

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 2020-05-15 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX  XXXX {$1400.00} XXXX   XXXX XXXX {$200.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$980.00}

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 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I had a credit card w XXXX XXXX for years, I got sick in 2017 which forced me to have 3 XXXX  2 major, one minor. Because of my illnesses I was XXXX I couldn't work which left me broke. I contacted XXXX XXXX and explained my situation, they told me that they had a hardship program for people like me and that when I initially received the card it was in the credit card contract agreement and that if I could verify my medical condition they would waive the debt so I sent them a 53 page medical report outlining all my Dr visits, Test, post op, pre op, procedures and surgeries. I received a letter from them about 6 weeks later ( that I still have a copy of that I'm including w this complaint ) basically saying they approved my hardship and waived my debt. Today I checked my credit report and they are still reporting it to the credit bureau negatively every month! I called them and they told me that were not going to take if off unless I pay the balance & they were rude as well, you would think w all this covid 19 pandemic they would be nicer and more coorperative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: WI

Complaint narrative:
The complaint concerns US Bank Credit Card. My mother passed away and I paid her final bill and realized she had unused points. On XX/XX/2020 I called the US Bank credit card customer service line and was told I could have the points transferred to my US Bank  credit card but first I needed to close the account and then needed to call them back once I closed the account. I was transferred to that department and closed the account. I called back and spoke to a different person in the customer service department and she told me that BECAUSE I closed the account, I could no longer transfer points. I spoke to a supervisor who told me if I immediately faxed in the papers which showed I was the executor of the estate which I did on XX/XX/XXXX. I called back on approximately XX/XX/XXXX and was told it was never received and further the account was in " collections ''. This could not be as there was ( is ) a XXXX balance. I asked for a supervisor. This person said the fax was received and it would be 5-7 business days before the points ( XXXX points- with a cash value of {$340.00} ) would be transferred to my account. I called again on XX/XX/XXXX as I received a letter saying they needed the executor papers. I spoke to a customer service agent and then asked for a supervisor. He said he found all the papers and that the points would be transferred within 7-10 business days- there would be no further problem. I called today XX/XX/XXXX and no one seems to have or know anything. I spoke to a supervisor and he said basically there is nothing he can do. I am on hold now to speak to the supervisor 's supervisor but I hold no hope of anything being resolved as now they are saying they have no record of any of this except my call on XX/XX/XXXX to check on this. I was told to cut up my mother 's credit card, which I unfortunately did and now I do not have her credit card number. What can I do? I have spent many many hours on this, doubled my frustration because I have lost my mother and now I am being told there is nothing anyone can do.

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 monetary relief
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
I am dealing with Mr Cooper who is very difficult to get a live person on the phone. The only option was forbearance. I have had the loan for over 12 years, been a few days late in mortgage payment twice, it was a 5 year arm and then went to variance percent. It has more than doubled since XX/XX/XXXX and because I am not working they will not allow me to refi to get a lower monthly payment. Also I can not put my husband on the loan because they said that would be a refi. Mr Cooper told me to go directly to FHA. 
I then went directly to FHA which took days to get a hold of and they told me the wouldn't work with me to get a fixed rate loan and get a manageable payment, the best I can do is a forbearance plan. My husband is a vet but because he is not on the house ( and he does have a low credit score ) we cant get a va loan. 
I have made payments every month and am only {$2400.00} or one month behind as of XX/XX/2020. While we can make payments we just need them manageable. Mr Cooper is not even nice when you do speak to them reminding that I have been charged all the late fees and interest during this pandemic!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$150.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX  XXXX XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XXXX20 - I was able to temp unfreeze 2- of the 3 main credit agencies. However, Equifax ( EF ) decided to do away with PIN 's, which I had, and use a password instead ... but failed to notify me. So now that I need to contact all three, EF online failed to send me an email after 4 requests. 
So I tried another path ; I inputted all my info and at the bottom of the screen, but the continue link was not active ... take 2 and more lost time ... 
FORTUNATELY, the lender was able to use only the two agencies. 
These agencies collect personal info on me, which is half the time inaccurate, I forced to validate their work and then I have to pay for my score ... really! 
Someone needs to have a serious " talk '' with to straighten out their shortcomings, as I/we are their customers Thanks. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Nelnet, Inc.
State: IL

Complaint narrative:
I received a private student loan from XXXX, serviced by Firstmark Services in 2018. There was an error in the loan interest rate percentage, so Firstmark closed that first loan and opened a new one with the correct interest rate. This caused a duplicate to appear on my credit report. I contacted all the bureaus in order to fix this duplicate. Both XXXX  and XXXX  marked the account as closed ( I believe it should have been removed because it is a non-existent loan at that point, but that's less relevant at this moment ). XXXX, however, refuses to remove this duplicate account after their investigation and did not allow me to submit a reinvestigation. Recently, I refinanced my loan and submitted a reinvestigation request to Experian, which was accepted. However, their results came back as the same. This is undoubtedly false now, as the account is now closed with 0 balance on it, and yet XXXX   is still claiming that there exists a balance of a little over {$43000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: NC

Complaint narrative:
I previously sent 4 dispute letters over the past 5 months to all three credit bureaus which are XXXX, Experian and XXXX, asking them to show me a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they used to verify that the account belonged to me. The bureaus responded every time, saying that they verified that this XXXX  XXXX XXXX account belongs to me, but the only sent me copies with my signature on it. So I contacted XXXX  XXXX XXXX, to ask them if they can locate a charged off account with my name and account number, in their response they told me that they couldn't locate the account # XXXX associated with my name in their system.

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 2020-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LoanCare, LLC
State: IL

Complaint narrative:
The company sent letters about delinquent account after approving the loan for forebearance. 

A letter was sent to us saying that immediate action will be taken if we do't pay the loan that they informed us they had placed in forbearance due to COVID 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 explanation
Consumer complaint received 2020-05-15 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: WI

Complaint narrative:
When I started service with XXXX XXXX on XXXX/XXXX/2019, the sale associate told me that when they check my credit score that it shows up as a soft inquiry. After XXXX XXXX did the " soft pull '' it shows up on all 3 credit bureaus as a hard inquiry which lowered my credit score. I talked with 2 other associates, one in person at a store location and another thru XXXX XXXX  online chat on XX/XX/2019 that I took a screenshot of the person named XXXX that I was chatting with that confirms that the company tells potential customers that it is a soft inquiry and not a hard inquiry. He specifically says that " we are all told its a soft inquiry ''. I tried disputing it with the credit bureaus but they said that they dont handle hard inquiry disputes that I have to contact the company that did the hard pull. I contacted XXXX XXXX   and they stated that I gave them permission to check my credit report so they dont have to change or do anything about it. XXXX XXXX is lying to potential customers about the soft/hard inquiry. I applied thinking that it was gon na be a soft inquiry, otherwise I wouldnt of applied for service. I opened up services under false pretenses.

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 2020-05-15 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020

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 2020-05-15 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020

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