vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 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: CA

Complaint narrative:
I'M HAVING SERIOUS PROBLEMS WITH THE CREDIT BUREAUS NOT PROCESSING MY DISPUTES FOR ACCOUNTS RELATED TO MY IDENTITY THEFT CASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Back in XX/XX/2014 I took out a payday loan with Speedy Cash. I made several payments on the loan but was unable to complete the payments. To this day it is still on my credit report, but that is not the issue. The issues is that every year they transfer the debt to a new collection company, and what that does is makes it seem as if the debt is a new debt being reported. Let 's say that they transfer the debt from company A to company B as of today. They are reporting to company B that this is a new debt which means that this debt would be present on my credit report for the next 7 years. Let 's then say that next year they transfer the debt from company B to company C. They are then telling company C that this is a new debt starting the whole process over again. They need to report the debt from the day that default occurred and not from the day they transfer the debt. This is fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CA

Complaint narrative:
I'M HAVING SERIOUS PROBLEMS WITH THE CREDIT BUREAUS NOT PROCESSING MY DISPUTES FOR ACCOUNTS RELATED TO MY IDENTITY THEFT CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CA

Complaint narrative:
I'M HAVING SERIOUS PROBLEMS WITH THE CREDIT BUREAUS NOT PROCESSING MY DISPUTES FOR ACCOUNTS RELATED TO MY IDENTITY THEFT CASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included this information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated immediately! I have sent multiple letters, spoken to multiple representatives, sent documents requested such as the police report where is clearly shows my IDENTIFICATION WAS STOLEN! 

1. The account is current and has never been late. 
XXXX Account Number : XXXX Never late please update 2. The account is current and has never been late. 
XXXX Account Number : XXXX Never late please update 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my ACTUAL signature. 

Failing that, the item must be deleted from the report immediately. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

At this point I am prepared to take legal action against Experian! I will not allow you all to report another month of inaccurate information on my credit report! This is the FINAL warning!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fair Financial Corp.
State: CA

Complaint narrative:
I was doing dome inquiries about some cars and the XXXX XXXX XXXX   ran my credit with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Dear Sir or Madam : I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility * Internet or email * Other : Someone used my info in an attempt to obtain credit and loans The following is a description of the identity theft incident : As a result of the XXXX XXXX Data breach my information was leaked and someone used it to apply for credit and loans in my name XXXX as a result this stuff is one my credit reports. 
I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. 
In addition, I have lost 60 hours between XXXX and XXXX hours of my time due to the identity theft. I don't know if the identity thief used the internet to open accounts or purchase goods or services. 
I have the following information regarding the identity thief : I have no clue. 
I have contacted the following credit bureau ( s ) : XXXX, XXXX   and TransUnion :. 
* regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
* to order a credit report. 
I have had the following problems with XXXX and TransUnion : They refused to remove the inquiries without a police report and those applications for loans or credit have stopped me from being able to obtain credit or loans. 
I have not contacted the police department and filed a police report. Therefore, no police report is attached. 
I have had the following problems with companies that I contacted regarding my identity theft : They have been uncooperative. 
Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2020-08-31 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Summary of issue : I was sent a final remaining bill from KIA Motors in  XX/XX/XXXX for {$120.00}. I paid the bill in full on XXXX XX/XX/XXXX. In late XX/XX/XXXX I noticed on my credit report of a potential delinquent account from KIA motors for {$140.00}. I contacted KIA and they stated it showed I paid on XXXX XX/XX/XXXX, but a stop check was issued on XXXX XX/XX/XXXX and they never received the payment. I asked them why they never sent a message or called me prior to reporting it as a delinquent payment. They had no answer for this. I paid the full amount " again '' plus the {$20.00} late fee for a total of {$140.00} onXX/XX/XXXX. 

The stop check issue happened because 9 months ago my car insurance and bank " XXXX '' put a stop paymnet on my monthly payments to Kia because the leased car was totaled in a storm. XXXX and KIA were working out the payment issue to pay off the car. Both XXXX and KIA recommended putting a temporary block so no more monthly payments would be debited from my account since this car was totaled in the storm, unusable, and towed away by XXXX in XX/XX/XXXX. Unbeknownst to me XXXX made that stop payment permanent for all KIA transactions, hence why the XX/XX/XXXX payment did not go through. 

I have had steller credit for decades and no missed payments, collections, etc. The KIA reporting is not indicative of my credit rating or credit history. I asked them to request to have it taken off my credit because it was a mistake, they refused. 

I have spoken to KIA about this and they deemed the late payment to be valid, although they NEVER informed me the previous payment never went through. They did not give me a chance to rectify the situation, they only reported a delinquent payment. I have asked for a call back from a supervisor numerous times over the past year and never received a call. I have contacted all 3 credit agencies who refer me back to KIA to correct the issue. KIA will do/has done nothing to correct this. My credit score before all this was XXXX, after that one missed payment which I have never had, my credit score dropped to XXXX. This cost me thousands of dollars because I bought a home in XXXX. 

KIA should have informed me of the issue before placing it on my credit report. I was never given a chance to correct the issue, nor even told they was an issue. Found out myself 3 months after the fact reviewing my own credit report, ridiculous. 

Thanks in advance, 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 2020-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XXXX due to an old IRS debt my accounts were frozen and I fell behind on my mortgage.In the end of XXXX I cashed out some of my retirement benefits to reinstate my mortgage. I ordered reinstatements beginning in XX/XX/XXXX. In XXXX my servicer transferred and I requested reinstatements that were not sent to me. The reinstatement requests were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When the reinstatement finally arrived I had enough to pay the arrears but not the escrow. I asked the bank 's attorney if I could pay the missed payments and enter into a payment plan with the escrow. I was instructed to contact Shellpoint directly. Upon contacting Shellpoint I was advised that I would have to apply for a loan modification. I expressed worry at this since I had been denied for a loan modification with XXXX. The reason for denial was my debt to income was 12 %, I was an immediate default and my hardship had not been resolved. I can afford my mortgage, and my accounts had been restored since the IRS freeze so I did not feel as though I was accurately denied. I was hesitant to apply again because I felt as though there is reason to believe that I would again not get a fair review. I asked if I could negotiate the fees in the reinstatement and make a full payment or if I could make a large down payment and the rest could be capitilized. Shellpoint refused to work with me. Then the CARES act passed and I attempted to go onto a forbearance where I would be able to make a partial payment and send {$25000.00} and then apply for the modification. Again, Shellpoint refused to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Simon's Agency, Inc.
State: NY

Complaint narrative:
I have submitted several request for debt validation to the Simons  Agency who are reporting negatively on my credit report and they have failed to provide any proof of my debt. They have continuously updated the info with the credit bureaus on my report but failing to provide me verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/XXXX I received a text message alert from Chime asking if I have authorized XXXX to take money out of my account and I replied no. When I made it home I called chime and told them that it was not me making those charges and they said they would cancel that card and mail me another one. I never received another text alert about XXXX charges. I even received a email from Chime confirming the cancelation of my card. But Chime never did cancel my card and continued to let XXXX take money from my account. When I realized it, I called back and the Chime employee stole {$250.00} out of my XXXX XXXX account. Chime did reimburse me that money back a couple days later. I then received an email on XX/XX/XXXX stating that they did not see that ah error has occurred and they will not give me my {$1300.00} back. I demanded that they reinvestigate and to send me document on why they believe no error occurred. Chime then sent me the document they used to investigate my claim and they highlighted that I stated I had my card on my person at the time and that I store my pin in my brain as the reasons for denying my claim. I'm now on my third rebuttle for this claim and then on Wed. XX/XX/XXXX they sent me a email saying that after careful review of my account they regret to inform me that my account will be closed on XX/XX/XXXX. They are refusing to give me my money back and once my account is closed it will be even harder to get my money back. I am a single mother of XXXX kid, my youngest has a XXXX  XXXX, I can't pay my rent beuse of this and we bwill be homeless. I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
Received a Collection letter indicating I have a debt to XXXX XXXX  XXXX  of {$95.00} and {$26.00} to Pinnacle Recovery Inc for Collections Fees, I called XXXX XXXX XXXX and I was confirm I was current on my maintenance dues so I called Pinnacle Recovery to informed them that I was current with XXXX and they stared with different stories The {$95.00} was for upcoming dues so I asked why there is a collections for upcoming dues? later it was a balance from previous payments which I remaindered that I just called XXXX and I was current then they said it was all collections fees so I told them that is not what the bill said the answered was that is not relevant that is the balance and I have to paid it. I offered to paid {$26.00} which the bill shows as Collection Fees and they did not accepted they want me to paid {$100.00} to resolved the matter. 
I asked the to confirmed the recorded of the two conversations so we can heard them giving me different reason of the charges. the two call were on XX/XX/2020 around XXXX XXXX for about 30 minutes and the second call stated a little after XXXX XXXX  PST. 
I will paid the balance of {$120.00} to avoid collection issues on my records but would like the money back and have this company stop misleading people on how they do the billing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I sent someone money for hockey tickets. They took the money and never sent me the tickets. I tried to contact them multiple times afterward to refund my money and they blocked my number. XXXX with Zelle does not offer any refund services in case something like this happens, unfortunately there are scam artists out there who take advantage of people and Zelle does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an inquiry on my Experian credit report posted in XX/XX/2019. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX XXXX and Experian and with no help have had no luck. I spoke to a representative from XXXX XXXX in XXXX and was told it would be removed. The said they would send me proof and I have yet to receive anything. Experian and XXXX XXXX have refused to do anything. I did not attempt to open or establish a line of credit with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I sent out a Dispute in the XX/XX/2020 requesting They investigate the Auto Loan On my credit report and I Also requested to remove it off my report due to the fact I was sold a lemon. However, I wrote XXXX, XXXX, and XXXX on XX/XX/2020 a Second letter demanding that they comply to my dispute as well as explaining they have 30 days To respond & I havent received any notice or response back from the disputes I sent to All 3 credit Bureaus. I will be most grateful you if you can looking into the matter. 
Thank You for your time consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For EXPERIAN 1. The high credit or original amount is being reported inaccurately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

For XXXX 1. The high credit or original amount is being reported inaccurately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX Account Number : XXXX Please investigate and delete from my 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 2020-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Please review exhibits A-E Also Select Portfolio Servicing who has the mortgage account XXXX which is a improper loan modification agreement because it is connected with XXXX XXXX XXXX   Conventional Real Estate mortgage loan number XXXX that I had no knowledge of the refinance mortgage loan from FHA to a Conventional mortgage loan.therefore since it is in connection with fraudulent activities this loan should be suspended and with an full and forensic investigation to come to a final resolution the evidence is in black and white without question so why is it taking so long to resolve this case?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation