vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and Trans Union within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-10-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, Equifax and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: NY

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to Experian, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-10-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Potentially Negative Status Account charged off. {$910.00} written off. 
Account Type Unsecured Balance {$910.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Account charged off. {$14000.00} written off. 
Account Type Auto Loan Balance {$3400.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Account Type Debt Buyer Balance {$450.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX  XXXX XXXX XXXX XXXX XXXX - Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2020-10-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Potentially Negative Status Account charged off. {$910.00} written off. 
Account Type Unsecured Balance {$910.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXXXXXX Potentially Negative Status Account charged off. {$14000.00} written off. 
Account Type Auto Loan Balance {$3400.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Account Type Debt Buyer Balance {$450.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX  XXXX XXXX XXXX XXXX Dispute - Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
1. Effective XXXX, 2020, Wells Fargo Home Mortgage sold/transferred my home loan to XXXX XXXX XXXX - ( Documents 1 & 2 ) 2. XXXX XXXX XXXX didn't start reporting my account to the credit bureaus until XX/XX/2020. 

3. My XXXX  report reflects a good Fico score and a good payment history. ( Document 3 ). 

4. After XXXX XXXX XXXX started reporting to Equifax, on XX/XX/2020, my credit score dropped 60 points. ( Document 4 ). I still haven't heard back from XXXX.

5.. After XXXX XXXX XXXX started reporting to XXXX, XXXX XX/XX/2020, my credit score dropped 61 points. ( Document 5 ). No one at XXXX can explain to me why other than the Wells Fargo Home Mortgage was closed. 

I'm at my wits end! I have a 100 % pay on time pay history! These inaccuracies have severely affected me. I have tried to refinance my home to no avail and apply for a small business loan. 

The explanations for the changes in the XXXX  and XXXX credit scores do not make sense. The explanations provided do not equate to a 60 point drop. 

I need this matter investigated. Hopefully, you can get some answers.

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 2020-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
1. Effective XXXX, 2020, XXXX XXXX XXXX Mortgage sold/transferred my home loan to XXXX  XXXX XXXX. - ( Documents 1 & 2 ) 2. XXXX XXXX XXXX didn't start reporting my account to the credit bureaus until XX/XX/2020. 

3. My XXXX  report reflects a good Fico score and a good payment history. ( Document 3 ). 

4. After XXXX XXXX XXXX started reporting to Equifax, on XX/XX/2020, my credit score dropped 60 points. ( Document 4 ). I still haven't heard back from Equifax. 

5.. After XXXX XXXX XXXX started reporting to XXXX, XXXX XX/XX/2020, my credit score dropped 61 points. ( Document 5 ). No one at XXXX  can explain to me why other than the XXXX XXXX XXXX Mortgage was closed. 

I'm at my wits end! I have a 100 % pay on time pay history! These inaccuracies have severely affected me. I have tried to refinance my home to no avail and apply for a small business loan. 

The explanations for the changes in the XXXX  and Equifax credit scores do not make sense. The explanations provided do not equate to a 60 point drop. 

I need this matter investigated. Hopefully, you can get some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: ARVEST BANK GROUP, INC.
State: IL

Complaint narrative:
I had a home loan with XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, for which I obtained a Forbearance Plan under the CARES act in XXXX. The loan was sold to Arvest Central Mortgage Company in XXXX. I received a bill from Arvest stating that the account was overdue, and I called and confirmed that the loan was still subject to forbearance, and they told me to disregard any delinquency notes on my bill since the account was in forbearance ( the latter of which it also clearly stated on my monthly bill ). Before the end of the forbearance, I signed a deferral agreement with Arvest in XXXX, and a few days later on XX/XX/12 the loan was paid off in full. 

In XXXX, Arvest reported the loan as delinquent with the credit reporting agencies, including XXXX, XXXX and XXXX. I contacted Arvest and they assured me it would be immediately corrected and that the account would be reported as paid off. It appeared as corrected on XXXX  on XX/XX/XXXX. On XX/XX/XXXX, Arvest again reported to XXXX  that the account was delinquent, despite that it was paid in full in XXXX, and despite that I received a payoff letter and Satisfaction of Mortgage from Arvest ; and up until the date of payoff I was under forbearance under the CARE Act. This has materially adversely affected by otherwise stellar credit score, and I am not able to get Arvest to effectively correct this issue with all credit agencies. This came after having trouble for days with having great difficulty obtaining a payoff letter from this lender during the sale of the property. I need help getting this lender to give attention to this matter please. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: NV

Complaint narrative:
These are not my accounts. I have sent you a utility bill showing my correct address. I am not a credit repair company nor am I a mortgage company. Please remove these accounts.

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 2020-10-28 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I am the victim of identity theft. The FBI and the police have cleared me from what the fraudster that stole my social security number and date of birth did with those identifiers. The fraudster, XXXX XXXX, was arrested and he used my identifiers when arrested. He was given a bond with him using my info, as they thought i might be using an alias. The fraudster never showed up in the future, so the authorities chased the identifiers. I claimed i never did any of the acts the fraudster committed. The police said they hear it all the time. I demanded the police check my fingerprints. When they compared them my prints did NOT match the fraudters. I was released. The FBI said in court that anyone can claim a different name, change addresses, states, hair color and styles, but no one can change fingerprints. I was not the fraudster. Santander ignored all the facts and denied my id theft claim. Harmful and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have 37 account which i didn't authorized on my account with XXXX, most of the company which appears on my credit report more than once that i didn't recognize or apply for credit with theses companies. I tried to contact the company and file a disputed with XXXX  never receive any responds nor answer. Also with Transunion i have 20 dep/XXXX  which have been discharge with a XXXX balance plus 7 other account which wasn't authorize without my consent i file a dispute to remove those items but have been unsuccessfully or no results. i need these account to be investigate fully so i can see a change on 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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2020, XXXX Escrow assistant contacted me in order to assist him in contacting Chase home mortgage for the payout. We did a 3 way conference call, and I spoke to XXXX, Chase mortgage specialist and asked whether she can fax or email the payout, and she said, " yes. '' That, she will email the payout which she lied and failed to do. 
Subsequently, at XXXX XXXX, the payout was neither faxed or email from Chase mortgage department. Again, I had to contact Chase at XXXX XXXX XXXX XXXX in order to obtain the payout. Apparently, I spoke to XXXX, mortgage specialist, and informed him that XXXX failed to fax or email the payout to XXXX Escrow, and I told him that she lied. XXXX provided me the payout of {$200000.00}. He informed me that the payout will be email to me and XXXX escrow which never happened. 
I am frustrated with Chase because the mortgage specialist are incompetent and not dependable. We are XXXX veterans and retirees. Chase failed to provide the XXXX XXXX the payout prior to the closing date. Chase is unfair and prolonging this payout in order to obtain floating interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had a home loan with XXXX ( XXXX XXXX XXXX XXXX XXXX ), for which I obtained a Forbearance Plan under the CARES act in XXXX. The loan was sold to XXXX XXXX XXXX XXXX in XXXX. I received a bill from XXXX stating that the account was overdue, and I called and confirmed that the loan was still subject to forbearance, and they told me to disregard any delinquency notes on my bill since the account was in forbearance ( the latter of which it also clearly stated on my monthly bill ). Before the end of the forbearance, I signed a deferral agreement with XXXX in XXXX, and a few days later on XX/XX/XXXX the loan was paid off in full. 

In XXXX, XXXX reported the loan as delinquent with the credit reporting agencies, including Transunion, XXXX and XXXX. I contacted XXXX and they assured me it would be immediately corrected and that the account would be reported as paid off. It appeared as corrected on Transunion on XX/XX/XXXX. On XX/XX/XXXX, XXXX again reported to Transunion that the account was delinquent, despite that it was paid in full in XXXX, and despite that I received a payoff letter and Satisfaction of Mortgage from XXXX ; and up until the date of payoff I was under forbearance under the CARE Act. This has materially adversely affected by otherwise stellar credit score, and I am not able to get XXXX to effectively correct this issue with all credit agencies. This came after having trouble for days with having great difficulty obtaining a payoff letter from this lender during the sale of the property. I need help getting this lender to give attention to this matter please. 

Thank you in advance.

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 2020-10-28 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On multiple dates as follows : Date : XX/XX/2020 & XX/XX/2020 Company : Portfolio Recovery Debt amount : XXXX Date : XX/XX/2020 Company : Portfolio Recovery Debt amount : XXXX The companies mentioned above added derogatory marks on my credit report as per XXXX Upon further research, I discovered these accounts were transferred/sold and I ' am no longer responsible for said accounts. Debtor 's creditor did not verify these collections. 

Also there were NO written forms of communication, contract, or signature for the accused debit at all. A bill without a signature does not validate a debit and anybody can send a bill and say it is mines. According to the FCRA, Companies mentioned above has violated my rights as a consumer and I'm requesting legal action to remove these accounts.

Company response to consumer: Closed with non-monetary relief