vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit file has been suppressed with Equifax now since a mortgage lender try to pull my credit back on XX/XX/2021 And that the data was suppressed because I was told my social security number was associated with another individual. But they first told me my account had a freeze on it. I was then told by Equifax to fax my Social Security card, drivers license and a Written request to correct my credit file. I did that satisfactorily and can provide written evidence of this upon request. I waited in approximate 30 days and had my lender tried to pull my credit again on XX/XX/2021 end it is apparent my credit file has yet to be fixed. My lender can still not access my echo fax credit file. I know this is a violation of my rights under the fair credit reporting act. This problem is causing me real harm. I am a XXXX  and I am trying to Take it XXXX of the VA loan program and can not do so because of this problem. This is causing the real harm. I have tried resolving this and have called Equifax XXXX times and each time I am told the XXXX  fax system is under maintenance. Two of those times I was with my loan agent. I called on XX/XX/2021 after leaving my agents office an was told they were still under going XXXX. I am stuck and have no other option but to file a report. My loan agents name is XXXX XXXX she works for Guaranteed Rate. Her email is XXXX. Thank you have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
To whom it may concerned : I have tried to work with my lender but every time that I submit for a loan modification they don't open a new review because they advise that I was already denied once. That they could not create an affordable payment. I have never had a loan modification in the life of my loan and I am just trying to save my home! The last correspondence that I received from them was that they reached out but they never did. No additional documents were requested and they just denied the application as soon as it was submitted.

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 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I have a mortgage with My XXXX XXXX/LoanCare. I called in XX/XX/XXXX and asked that my homeowners insurance be removed from my escrow account. I got new homeowners through XXXX XXXX and am paying it myself because, in XXXX, XXXX paid my homeowners insurance late and my homeowners insurance was cancelled without my knowledge. I did not know until the check from LoanCare was returned to me. I logged on to LoanCare website in XX/XX/XXXX and seen that LoanCare had my prior homeowner insurance listed. I called again informed them of mistake and the customer rep that I spoke to asked me to have a declaration page faxed over from XXXX XXXX, which I did the same day. I asked her several times for a confirmation number that I had called and asked for LoanCare not to pay my homeowners insurance she said she could not give me one. On XX/XX/XXXX I received a notification that LoanCare had paid the XXXX XXXX, which put my escrow in the negative. I called and spoke to three different customer reps. I was reassured that a stop payment was put on the check. I called again in a week and I asked if the stop payment was done and this time was told that they don't do stop payments and she said don't worry they will return the check to you. I said I don't want it handled that way. Loancare will then do an Escrow analysis and increase my house payment due to the negative in the account. I have emailed and called 4 times asking about the Escrow Analysis - trying to confirm with LoanCare that they are not to include the insurance, and I never get a return call or email. LoanCare makes you email first then they will call you, I never get a call back. If you call them you can not get an answer they tell you to email. I feel like I am being treated unfairly and that they have no concern for sending out my money to whoever they want and whenever. I am being ripped off.

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 2021-03-26 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
During the month of XX/XX/2019, without prior notice, the institution increased the mortgage payment which was {$480.00} to XXXX. The institution stated that the increase was due to XXXX taxes. The property has a tax exemption since the mortgage was acquired. In the process, the steps were taken to complete the payment. The time passed but the payments were made even with the increases to the mortgage which were never planned. They state that the increase was by the government regulatory entity, but that mortgage was duly worked and there is a tax exemption of which they are aware. The institution reported the incident to the credit bureau, an action that it considered was preempted, since what caused the dislocation was the increase in the mortgage without prior notice from the institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: NY

Complaint narrative:
The name of the mortgage company is Movement Mortgage located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX. The loan officers are a married couple by the name of XXXX and XXXX XXXX. XXXX  # XXXX and XXXX # XXXX. I have a XXXX credit score and gave in all of the documents they asked. After 2 weeks of deliberation and as soon as they knew I was an XXXX XXXX, they asked me for a co-signer. I asked why exactly? They said my income had dropped from XXXX to XXXX and the underwriter will ask for a co-signer. I replied of course it did. Due to Coronavirus year, many peoples income dropped from shorter hours or from their businesses suffering loss.

I said that was not enough reason to ask for a co-signer. I still have more than enough income to pay for a mortgage. I asked for a 2nd opinion from other lenders & I was told that was not true. There is no reason for them not to give me a pre-qualification. It seems that they do not want to give you a pre-qualification because you are XXXX. I ended up getting a pre-qualification from another lender after just 3 dsys. I am reporting these loan officers and this company to CFPB because this is discrimination/racism.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've filed multiple disputes on an account that is inaccurate on my credit report with the credit bureaus, however they continue to report that the information has been confirmed as accurate by the collection agency. I've requested from XXXX XXXX to verify the information that they are reporting is in fact accurate, however they have failed to provide me with anything. As many times that I've disputed the account, advising of inaccuracies between the reporting of different bureaus, Metro 2 Compliance, Portfolio Type, request for FCRA Compliance Date and Date of First Delinquency/Last Activity, I haven't been able to obtain the information. The FCRA states that if an item is reporting on my credit report, that item must be accurate and verifiable. XXXX XXXX has failed on both of these instances. The Credit Bureaus have also failed their duty in " Conducting a Reasonable Investigation '' as they were made aware of the issues regarding the account. During my research, I've found that " XXXX '' isn't a legal way to conduct an investigation. When I requested the credit bureaus method of verification and to review the documents that they have physically reviewed to confirm the accuracy, they blatantly ignored my request.

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 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I applied for a refinance in early XXXX. I submitted all relevant docs, signed disclosures, and locked in a rate. The company was bought out in XXXX. I was told that I had to start the process over and has to resubmit docs. I was also told my rate would not change. Since then there had been little communication. A few weeks ago I was told my loan was going to underwriting and it would take a few days. I email daily for updates with minimal response. I still have no close date. I was also told that my loan was being handed over to another department for next steps. The loan officer could not tell me the name of the person who was taking over my loan. I dont know whos in charge of my loan or where I am in the process. I am unable to spend my money in my back account and this has been holding up various projects as well as a car lease that I need to pay off. I have lost all confidence in my mortgage team. I am also increasingly concerned that after all time someone has lost my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Commercial Trade, Inc.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : COMMERCIAL TRADE INC # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: ERC
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX # XXXX, ENHANCED RECOVERY COMPAN # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TX

Complaint narrative:
I file a dispute in the regards of incorrect items on my credit report. I was ask to give 40 days which has been well over the grace period asked.

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 2021-03-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The debt in question is the Department of Veterans Affairs in the amount of {$3600.00}. This account was paid of XXXX XXXX. This is not a collection account. Experian is reporting this account as currently in collections for XXXX and XXXX of XXXX This information is in accurate and completely false. I have disputed this with the original company ( the United States Government ). They have told me they are not reporting this as a collection. I obtained the original documents from the department of veterans affairs from the U.S Government. I have supplied this documentation to Experian. I have disputed this account ( 6 ) times! They continue to report this account as a collection account in collections as of XXXX and XXXX of 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 non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App offers banking services, but there is no way to contact a live person ( no telephone number ) when there is fraud. I have had a bank account fraudulently opened in my name with Cash App. I received a debit card for it in the mail, but I did NOT open this account. Starting on XX/XX/XXXX, I have sent MANY email messages to Cash App, but I have only had one email back from them ( on XX/XX/XXXX which I promptly responded to ), and there has still been NO resolution to my knowledge. And it has been days since I first reached out. I have emailed back every day, and still NO further response. The person who opened my account fraudulently can be out there doing who knows what in my name! Please note that I have had other bank accounts at other banks opened fraudulently recently as well and I have been able to call a 1-800 number and get someone on the line & they have been able to close the account right away, start a fraud investigation right away, etc. Cash App should not be able to offer banking services if they are not able to provide immediate customer phone support for issues like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX1-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RADIUS GLOBAL SOLUTION XXXX RADIUS GLOBAL SOLUTION XXXX RADIUS GLOBAL SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTION XXXX RADIUS GLOBAL SOLUTION XXXX RADIUS GLOBAL SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I learned from my credit report that someone in Michigan had opened a XXXX account under my name. I sent an Identity Theft Claim to XXXX in XX/XX/XXXX. I never heard back. In XX/XX/XXXX I received a Collection Letter from ERC referencing the XXXX account. 

I have never lived in Michigan. Earlier in XXXX I had been the victim of an identity theft, again in Michigan, when someone purchased a car in my name. That case has been resolved. I placed a Fraud Alert on my credit reports as a result.

Company response to consumer: Closed with explanation