vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
I recieved a collection of {$450.00} on my credit report for a delinquent account from XXXX XXXX that is not mine. I had no knowledge of and no contract for this account. I disputed the account but the company verified it as accurate even though i have never signed or spoken to anyone at the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I have contacted the creditor numerous times to remove erroneous account for the rental home that was not mine, I proved i was not notified of this debt or attempt to collect the debt properly in order to prove my innocence. 
I willingly provided documentation of OTHER legal rental, at time of said rental property that was falsely under my name. Informed creditor remaining monies owed is not to be distributed to my social. 

Fraud incident # XXXX XXXX XXXX police department

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 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The information on my report is inaccurate and needs to be removed immediately. If validation can not be provided by the court with whom is the original party, it must be removed 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 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The information on my report is inaccurate and needs to be removed immediately. If validation can not be provided by the court with whom is the original party, it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: DC

Complaint narrative:
I disputed a bankruptcy on my credit report online with TransunionXX/XX/XXXX21. After completing the dispute, I received an email saying that the dispute was received and the investigation is in progress. The next day I noticed an email that says that the dispute was complete and the results are available. However, when I logged into my Transunion account I could no longer see the dispute from the previous night. I can only see the disputes from the previous month regarding some student loan accounts. Also, to my surprise the bankruptcy account has new information added to it. But, the purpose of the dispute was how it was validated and with whom not the contents of it. 

I think that Transunion removed my dispute and attempted to reconcile the information provided to avoid having to remove the account because they couldnt prove that the account was validated and by the court.

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 2021-02-21 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Hi - I hope all is well. I am being harassed by Santander bank. Santander decided to intentionally remove my payment history after my class action settlement offer. This dropped my score 30 points. This is not the first time that they have altered my charge off trade line to drop my points out of nowhere. I have contacted them to correct this and they claim there is nothing they can do. 

Santander is in the midst of a lawsuit for their illegal business practices and intentionally reporting wrong info to CRAs yet they are still trying this with me. Please remove this account to remove the harassment from my life. 

Santander is also reporting the account differently to each CRA. Below are the dates the account is being reported to each CRA. 

XXXX : XX/XX/2017 XXXX : XX/XX/2017 XXXX  : XX/XX/2017 I have a postcard from my class action settlement which they have yet to settle and supporting paperwork for everything mentioned above. Thanks in advance and I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My TransUnion credit score went from XXXX to XXXX in a matter of weeks with nothing on my credit report nothing in my collections and nothing explaining why my TransUnion dropped from XXXX to 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 2021-02-21 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: WA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.

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 2021-02-21 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX i received a personal loan into my MoneyLion checking account via direct deposit. On that day I also made a purchase of just under {$1000.00}. On XX/XX/XXXX my debit card was declined for a small XXXX transaction. When I checked my account there was a noticed that said were seeing slower than normal responses retrieving your balance. Dont worry, you can still use your debit card to make purchases or withdrawal cash. After seeing this message I contacted customer support who informed me that that account had actually been deactivated due to suspicious activity. I was never contacted asking if the transactions made were initiated by me, they just shut my account down leaving me without access to my account and all of my funds. When I asked how the matter could be resolved I was instructed to send a copy of my current ID, proof of address and an explanation of the charges to their resolutions department. they then told me it would be 3-5 business days to get back to me. I asked to speak with someone in resolutions to expedite the process and they said they could not contact them. I have now been without access to my checking account for 3 days with no access to money. This completely cut me off from all funds and there is the potential this will not be resolved until Friday. This is not a normal banking practice. I was never reached out to by them regarding this and I only discovered it by my card being declined. It is completely unacceptable for the to cut someone off from their account for potentially a week. I sent them all information requested early on Friday as well as several follow up emails with no response. This online bank Id backed by XXXX XXXXXXXX XXXX whom I will also be filling a complaint with through the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
Hello, My names is XXXX XXXX. I purchased a clothing set from XXXX XXXX a figure on XXXX. I sent the money via cash app and was never sent the items I purchased. I the seller for my item where I was ignored and blocked. I contacted cash app where I sent the money, no one offered to help. I contacted my bank no offered to help. XXXX XXXX has a recorded of scamming fans on XXXX. I think her account should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A Bankruptcy showing on my report is in accurately reporting om my file and is not mine, i contacted the Bankruptcy courts and they said they did not furnish this information to Experian, XXXX, XXXX, i have uploaded my letter in regards to this 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 2021-02-21 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: National Credit Adjusters, LLC
State: MD

Complaint narrative:
Good morning, I check my XXXX XXXX status 2-3 times a month and am currently in the market to buy a home. I noticed that recently my credit dropped -XXXX points. when i logged into XXXX XXXX to verify the changes, i noticed that a credit adjustment company had re-opened a debt against me that had already been closed out for over 3 months. See breakdown below : XX/XX/XXXX - NCA/National credit adjusters removed debt and closed case. Credit increased +25pts ... .... 

XX/XX/XXXX - NCA re opens the same debt but classified as " new '' debt being reported. This is " Re-Aging '' an account which is illegal. I know this happened due to me attempting to re-finance my auto loan and was told my credit score was significantly lower than what i was aware of ... ... 

I did make a dispute via XXXX XXXX website and XXXX had reverted my scores back to where they should be but right now XXXX is still showing the incorrect score and the dispute made zero impact. I feel like NCA is re-again clients accounts for their own personal benefit and is not right and is illegal. My XXXX XXXX and credit report reflects that NCA did in fact close the account and re opened it as a " new '' debt months later ... ... 

I have tried to explain this to NCA with zero progress as they continue to lie to me claiming that they have been reporting this debt the entire time which is proved they are lying about reporting and re aging and dont care to fix their wrong doings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A Bankruptcy showing on my report is in accurately reporting om my file and is not mine, i contacted the Bankruptcy courts and they said they did not furnish this information to XXXX, XXXX Transunion, i have uploaded my letter in regards to this 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 2021-02-21 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX is refusing to allow my ex husband to do an assumption to remove me from the mortgage on a house we used to own together. Per our divorce decree he is the only one that is financially responsible for the house and XXXX XXXX is not allowing him to to remove me. 

This is the same as my former 4 complaints however I just received the proof that he has been trying to do an assumption ( which what XXXX XXXX says he needs to do to remove me ) but they will not let him.

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 2021-02-21 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
This is following up on my previous claim which was closed. I now have proof that my ex husband has tried to remove me via an assumption ( per Navy Federal this is the only way to remove me ) and they WILL NOT LET HIM do this! 

In XX/XX/XXXX my husband and I got a divorce. Per speaking to a Navy Federal representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. I have contacted Navy Federal and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: EVERBANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
TIAA bank sold my mortgage to their sub-servicer, XXXX. My credit immediately dropped 15 points from XXXX  and XXXX because it shows my mortgage as closed. I made a complaint with TIAA, all three credit bureaus, and consumer finance. I received a notice of remarks on my credit reports for XXXX and XXXX, but XXXX is the only one that went back to normal ( above XXXX ). Now, XXXX shows my credit dropping 30 points for the mortgage falsley being reported as closed!!! I'm now in a separate credit worthiness bracket!! This is unacceptable for a financial institution. Please correct this incompetence ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
After submitting verifying documents to remove fraudulent activity from my report, XXXX reinsert removed items back on my report, failing to notify me in writing that they were reinserting those items back on my credit report. 
Several items are in access of 7.8 years and other items added back to report has no supporting documentation of me signing nor entering into an agreement with creditors.

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 2021-02-21 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: CO

Complaint narrative:
This is following up on my previous claim which was closed. I now have proof that my ex husband has tried to remove me via an assumption ( per XXXX XXXX this is the only way to remove me ) and they WILL NOT LET HIM do this! 

In XX/XX/XXXX my husband and I got a divorce. Per speaking to a XXXX XXXX representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. I have contacted XXXX XXXX and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting

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 2021-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX, XXXX, I discovered that Bank of America lists me as the owner of Auto Loan # XXXX, taken out in XXXX of XXXX. I do not have an auto loan with BOA. In fact, I have not had an auto loan since XXXX ( and that was with XXXX ). I filed a dispute with BOA in XX/XX/XXXX ( Case # XXXX ). Since that time, I have provided BOA with all of the documentation they have requested. After 4 months of being stonewalled ( at one point, I spent 3 hours on the phone with BOA and was transferred to 7 different people -- none of whom could help me ), I requested that BOA provide me with a copy of an original loan agreement with my signature on it. I was told on 2 occasions, " we can not provide you with that document at this time. '' After reviewing all of my documentation, on XX/XX/XXXX, BOA reported to XXXX  that my fraud claim had been denied, and that the auto loan should remain on my credit report. I received a letter from BOA, dated XX/XX/XXXX, that " based on the documentation received, we have denied your claim. As a result, our reporting of the loan to the credit bureaus is accurate. ( The interesting thing is that, although I never receive payment statements for this loan, and have never made a payment on this loan to BOA, the loan is being paid on time each month. ) I recently received a letter from BOA about the status of my claim, addressed to " XXXX XXXX XXXX AKA XXXX XXXX. '' On several occasions when talking with BOA representatives, I have been referred to as " Mr . XXXX. '' I have provided BOA with documentation that I am not now, nor have I ever been known as " XXXX XXXX, '' and that I do not now, nor have I ever, lived in CT. After 4 months of investigations, BOA has asked me to " be patient. We need more time to investigate your fraud claim. '' In the meantime, I have been denied credit because of this {$13000.00} loan on my credit reports. It seems to me that the solution is quite simple : if, as BOA reported to XXXX, I did sign for this auto loan, there must be paperwork with my signature on it. If BOA is unwilling or unable to provide me with that documentation, then how can they claim that the loan belongs on MY credit report? ( Also, over the past 3 years or so, BOA has made 18 requests for my XXXX  credit history -- I have never done business with BOA prior to XX/XX/XXXX. Based on my fraud claim with XXXX, all of those BOA requests have been deleted from my credit history. ) Since XX/XX/XXXX, I have been communicating with BOA Fraud Quality AVP XXXX XXXX -- who has been less than helpful, and less than forthcoming with any of the information I have asked BOA to provide to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation