vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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: Advantage Credit, Inc.
State: CO

Complaint narrative:
My Name is XXXX XXXX, DOB ( XX/XX/XXXX ) In XXXX of XXXX I made a call to XXXX XXXX  to make a payment on a collection account, I also asked XXXX XXXX  for a pay off letter because i need this removed from my Credit report However they failed to do XXXX And I am still struggling to get this account removed from my report which is affecting my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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 received an Email from XXXX that I have a collection On my credit when I Check my credit profile I seen the inaccurate Account on my files that I did not Authorize I had This issue in the past. I thought it was over, now I'm noticing someone is trying to open knew Accounts using my personal Information please put a block on my credit where if someone pulls my credit i would have to be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: FL

Complaint narrative:
I received an Email from Experain.com that I have a collection On my credit when I Check my credit profile I seen the inaccurate Account on my files that I did not Authorize I had This issue in the past. I thought it was over, now I'm noticing someone is trying to open knew Accounts using my personal Information please put a block on my credit where if someone pulls my credit i would have to be notified.

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 2020-10-07 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: TX

Complaint narrative:
I have an issue with TransUnion intentionally reporting false or inaccurate information although the other credit bureaus have removed the disputed information. Also, TransUnion is intentionally not reporting my credit card information, even though the credit card company has reported the information to TransUnion multiple times. I also have less derogatory accounts, with TransUnion, yet this credit bureau has me with the lowest score, which does not make any sense.

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 2020-10-07 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: COLLECTION BUREAU INCORPORATED
State: CA

Complaint narrative:
After several attempts, XXXX and XXXX will not remove a collection item from my credit report, causing a significant negative impact on my credit score. The issue is not a collection issue. It is a contract dispute between me and my former landlord. The dispute relates to the landlord 's failure to mitigate losses due to early termination of my lease and improperly using the security deposit to offset rent that is in dispute. 

Because XXXX  and XXXX  have refused to remove this item from my credit report, I have been forced to file a lawsuit against the creditor ( XXXX XXXX XXXX ) which I attach and I am also attaching the latest investigation result from XXXX  which has all the relevant details. 

XXXX  and XXXX  must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is currently in litigation. 

In addition, I have tried to resolve the dispute with the collections agency, Collections Bureau Inc. After several attempts, they also refused to accept that this issue is not a collections issue but a contract dispute. I had to pay the outstanding amount to limit the damage to my credit and then subsequently file a lawsuit against the creditor XXXX XXXX XXXX XXXX XXXX to obtain my money back and hopefully also to remove this line item from my credit report. 

Amount at issue is {$860.00}. The initial dispute arose in XX/XX/XXXX. The latest update from XXXX  was received on XXXX XXXX, XXXX. Lawsuit was Filed on XX/XX/XXXX in order to show that this is a contract dispute in active litigation and not a collection issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: CA

Complaint narrative:
After several attempts, XXXX and Transunion will not remove a collection item from my credit report, causing a significant negative impact on my credit score. The issue is not a collection issue. It is a contract dispute between me and my former landlord. The dispute relates to the landlord 's failure to mitigate losses due to early termination of my lease and improperly using the security deposit to offset rent that is in dispute. 

Because XXXX and Transunion have refused to remove this item from my credit report, I have been forced to file a lawsuit against the creditor ( XXXX XXXX XXXX ) which I attach and I am also attaching the latest investigation result from XXXX which has all the relevant details. 

XXXX and Transunion must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is currently in litigation. 

In addition, I have tried to resolve the dispute with the collections agency, XXXX XXXX XXXX After several attempts, they also refused to accept that this issue is not a collections issue but a contract dispute. I had to pay the outstanding amount to limit the damage to my credit and then subsequently file a lawsuit against the creditor ( XXXX XXXX XXXX ) to obtain my money back and hopefully also to remove this line item from my credit report. 

Amount at issue is {$860.00}. The initial dispute arose in XX/XX/XXXX. The latest update from XXXX was received on XXXX XXXX, XXXX. Lawsuit was Filed on XX/XX/XXXX in order to show that this is a contract dispute in active litigation and not a collection issue.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In early XXXX Capital One sent me an advertisement for a credit card with the offer of no interest on balance transfers and on purchases for 12 months. I took out the card in XX/XX/XXXX and transferred a {$2000.00} balance to it. The credit limit on the card at that time was {$2000.00} therefore I made very little or no purchases and paid the minimum balance each month. 

On my XXXX and XX/XX/XXXX statements there was " Interest Charge on Purchases '' for {$36.00} and {$30.00} respectively. I called the company several times and pointed out that 12 months had not past and they kept insisting that the period was nine months. I requested a copy of the original card holder agreement on three separate occasions and they kept sending me the CURRENT agreement. I know it was the current one because my credit limit had increased and the agreements they sent all included the new credit limit. I have called several times, with no success, to get this issue resolved. 

I have paid off all my balance except the total interest charges which keeps growing because of additional interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion XX/XX/2020 Initial Correspondance date : XX/XX/2020 File Number XXXX XXXX XXXX XXXX TransUnion Sent me a letter informing me that they are in receipt of additional information and that they are taking 15 extra days to complete my. investigation instead of the 30 days required by law. The later stated that my dispute will not be completed until XX/XX/2020. 
Under the fair Credit Reporting ACT it states that ( A ) may be extended for no more than 15 days if the consumer reporting agency receives information from the consumer. I have not sent them any information except for my original dispute with my ID, Address, verification, my pass port, along with birth certificate. TransUnion is using stalling tactics and need to remove the information 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 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: KY

Complaint narrative:
Hello, I Had a XXXX  XXXX  XXXX, and had to wear a XXXX  XXXX  until XXXX, lost my job, My mortage company sold my loan. the two new companys have more than doubled my payment, I have received a bill from both on the same day and was told that I owed them for my property taxes that they had to pay, that I paid for myself, my bills from them are always late therefore they can not be made on time, I agreed to pay my payment 15 years ago, and done so. but they want so much that it has got out of hand and all I ever wanted was to own a home. I could have paid what I agreed on or got everything caught up, and now I am employed fulltime and about to be XXXX, is this what everyone goes through? now someone is taking pictures, And said that if no one had been home, that they would have called contractors and changed all the locks on the doors, I'm afraid that if I go to work, I will lose everything I own and will not be able to get my belongings,

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 2020-10-07 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: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including Repossessions. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, 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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including Repossessions. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
In 2015, a car loan was allegedly opened in my name at XXXX with XXXX. I did not sign for this car loan, nor did I authorize anyone to sign for me. The debt has now been sold to XXXX XXXX XXXX who has been taken over by Velocity Recoveries. I have submitted extensive documentation showing that I was not even in the country at the time the transaction took place, police reports showing theft of identifying documentation just a couple months prior to this incident. I also had a forensic document XXXX to review the signed contract. The XXXX, proved that I did not conduct this transaction. I have written to XXXX, XXXX, and Velocity Recoveries to let them know of the fraudulent activity way back in XXXX. It is now XXXX and no changes have occured, the account is still listed on my credit report and it is causing harm.

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 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Sales agent on phone said a XXXX dollar good faith deposit was required to proceed with application to show intention to proceed. After appraisal came in low was not able to consolidate debt pay off Mortgage and drop pmi. So the application was canceled but they did not refund XXXX dollars saying it went to credit report and appraisal. Even tho they admitted the agent on the phone called it a good faith deposit. Citing signed docs the agent rushed through they refused to refund all but roughly XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM APPALED AT THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. I NEVER SIGNED UP FOR XXXX. I AM A VICTIM OF IDENTITY THEFT. I AM ALSO APPALED AT THESE EXCESSIVE INQUIRIES ON MY CREDIT PROFILE. THESE ARE A VIOLATION OF MY RIGHTS. THESE FRAUDULENT ITEMS ARE ALSO A HINDERANCE FROM ME DOING IMPORTANT THINGS I NEED TO DO. THESE INQUIRIES AND FRAUDULENT ACCOUNTS APPEAR TO BE AN EFFORT TO HOLD MY CREDIT SCORE DOWN, SO THAT I AM CHARGED HIGHER INYTEREST RATES FOR ANYTHING I HAVE TO CREDIT QUALIFY FOR.

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 2020-10-07 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:
TO WHOM IT MAY CONCERN, I AM APPALED AT THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. I NEVER SIGNED UP FOR XXXX. I AM A VICTIM OF IDENTITY THEFT. I AM ALSO APPALED AT THESE EXCESSIVE INQUIRIES ON MY CREDIT PROFILE. THESE ARE A VIOLATION OF MY RIGHTS. THESE FRAUDULENT ITEMS ARE ALSO A HINDERANCE FROM ME DOING IMPORTANT THINGS I NEED TO DO. THESE INQUIRIES AND FRAUDULENT ACCOUNTS APPEAR TO BE AN EFFORT TO HOLD MY CREDIT SCORE DOWN, SO THAT I AM CHARGED HIGHER INYTEREST RATES FOR ANYTHING I HAVE TO CREDIT QUALIFY FOR.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I applied for this card in XXXX through the University of XXXX  XXXX and they received some benefit from the card. I used the card extensively over the years. My last use of the card was in XXXX of XXXX. Today, I received a letter from the Bank of America that informed me that my credit card had been cancelled effective XX/XX/XXXX. It was closed due to lack of activity. I had a high credit line. 
I called Bank of America with the expectation that they would reactivate my account. I was informed that once they cancelled a card, it could not be reactivated. My only recourse would be to apply for a new card. 
I asked about why there was not a notification that they would cancel if there was no activity on the card. I was told that they began cancelling cards without notification in XXXX ( about COVID time ). They had such a negative response to that policy that they have now again started to notify people when the card was in danger of being cancelled. I was just unfortunate enough to be in the time window when they di

d not notify, they just cancelled. My real complain is the great impact that this unilateral decision will have on my credit score. Since one of the
criteria is length of credit, the 24 years that I have invested in this card are gone. Additionally, the high credit limit that I had no longer reflects as available credit in my report. This also h

as a negative impact on my credit score. Finally, if I re-apply for a card, as I was encouraged to do, it will further damage my credit score since it will reflect as a new credit inquiry. I do not think it is right for a company to unilaterallty make such a decision that can so negatively impact a co nsumer. I also do not think that it is a good policy for a customer service organization, such as a bank, can not have a simple remedy for a consumer that would alleviate all of this.
A first solution would be to notify the consumer of a possible suspension of their card. To their credit, Bank of America told me that they are again making those types of notifications, but there is no solution for those situations they have already created.

A second solution should be empowerment of their customer service personnel to quickly rectify this situation where they discontinue service without notification. I presume that is a company by company decision, and I think Bank of America has dropped the ball on having a simple solution.

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 2020-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
In 2015, a car loan was allegedly opened in my name at XXXX with Santander. I did not sign for this car loan, nor did I authorize anyone to sign for me. The debt has now been sold to XXXX XXXX XXXX who has been taken over by XXXX   XXXX. I have submitted extensive documentation showing that I was not even in the country at the time the transaction took place, police reports showing theft of identifying documentation just a couple months prior to this incident. I also had a forensic document examiner to review the signed contract. The examiner, proved that I did not conduct this transaction. I have written to XXXX, Santander, and XXXX XXXX  to let them know of the fraudulent activity way back in XXXX. It is now XXXX and no changes have occured, the account is still listed on my credit report and it is causing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Recovco Mortgage Management, LLC
State: CA

Complaint narrative:
On XXXX XXXX my XXXX, XXXX XXXX XXXX XXXX, purchased a house at XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXXXXXX. I used Recovco Mortgage Management , LLC d/b/a Sprout as my lender. There was a construction hold back in the amount of {$630000.00} for the purpose of rehabbing of the house. On XX/XX/2020 I submitted my first initial draw request for work that had been completed and now due for reimbursement. I received a wire transfer in the amount of {$9900.00} which was minus my first house payment of {$2900.00} that was taken out without my authorization. After the 3rd time of trying to get reimburse for monies I spent on the project which was taking over a month, I decided to finish the project myself. 

After I finished my project and had my son living there until I got it refinanced, I received this message from XXXX XXXX a reprehensive for Sprout Mortgage, " XXXX, Management is not releasing the remaining rehab funds since the property is rented out. That is in violation of the papers you signed at closing ''. 
Please send in payments for the outstanding interest owed and let us know how the refinance is coming along. When do you anticipate it closing? 
There is nothing that states I couldn't allow my son stay there until I sale or refi my property.

Company response to consumer: Closed with explanation