vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX I would like the following numbers removed they do not belong to me : ( 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 ) 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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
On XX/XX/2020, I applied for a loan modification with Lakeview Loan Servicing subservicing by XXXX. I submitted all the documentation necessary to complete the modification. I called to follow up and they offered a repayment plan for 6 mo in the amount of XXXX, which was clearly not attainable, the agent on the phone said " I'm looking at your financial statement and I do not see how this was possible ''. He then sent the paperwork to the underwriter for a second review. Once again, I called to see the status, they state that I have been approved for a modification which consisted of a repayment plan of almost 1500 per month for the next 6 mo. My original mortgage payment is XXXX and I was having difficulty. I have attempted to reach out to them over and over. I truly feel this is a predatory process waiting for homes to become foreclosed. I'm actually at a loss, I know I meet the guidelines for a modification, they continue to push me aside. This company should be closely investigated before there are more victims than 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
Consumer complaint received 2020-04-10 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Please dont respond to my request by saying that these accounts have been verified by the information provider, I a aware of the E-OSCAR process.I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.

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 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a checking account open with US bank and was having some issues with making withdrawals from my account after a friend sent me some money. I had an account balance that I needed to transfer in a timely manor for an investment opportunity and they had failed to release my funds to me or make the wire transfer I requested. 

I have missed out on a lot of investment opportunity because the hold or " investigation '' they put on my account. They said they are closing the account and would mail me a check for the funds in the account which I have not received after two weeks.

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX CT, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX I would like the following numbers removed they do not belong to me : ( 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 ) 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 non-monetary relief
Consumer complaint received 2020-04-10 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Southwest Recovery services, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tx XXXX. This is a collection agency acting as agent for XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, Tx., XXXX. 
I visited XXXX XXXX early in XXXX ( date uncertain ). Dr. XXXX examined me and stated the growth on my cheek was not malignant, and not harmful. He did recommend that he remove, by freezing, two very small " XXXX XXXX '' XXXX   behind my left ear. I approved. After being discharged I asked the receptionist " What are my charges ''? This employee stated {$20.00}, which I paid at that time. 
Soon after I received a statement from XXXX XXXX for {$140.00} for " XXXX ''! I called XXXX to complain and was told that " freezing XXXX XXXX are considered XXXX ''!!! I Refused to pay this extortion! XXXX continue to mail statements. The " good '' Dr. referred my " Bill '' to Southwest Recovery Services. 
Upon receipt of the demand letter from S/W, I sent by U.S. mail a " Cease & Desist '' letter. Southwest Recovery ignored the Cease & Desist. 
My credit report indicates that S/W Recovery lists " First reported XXXX XXXX '', Date Opened-XXXX  XXXX, Balance {$140.00} as of XX/XX/XXXX and as a result there is a " derogatory '' entry '' in my credit rating. 
Southwest Recovery is in violation of the Fair Debt & Collection Practices Act.

This law prohibits Collection agencies from entering ANY derogarory information against an individual once they have been served a " Cease & Desist '' notice!!

Obviously, S/W Recovery considers that this FDCPA rules do not apply to them!

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 2020-04-10 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:
Inaccurate information on credit report. FTC violation.

XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXXXX/XX/XXXX{$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX #XX/XX/XXXX {$550.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX   {$420.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: TX

Complaint narrative:
Inaccurate information on credit report. FTC violation. 

XXXX XXXX  XX/XX/XXXX {$1400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX  XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX # XXXX XX/XX/XXXX {$550.00} XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX   {$250.00} XXXX XXXX XXXX {$430.00}

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 2020-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: WA

Complaint narrative:
United Collections Bureau is attempting to collect a debt in the amount of {$1400.00} even though I already paid this amount, in full to the original creditor, XXXX XXXX Hospital in XXXX and XXXX of XXXX. The letter I received from United Collections Bureau is dated XX/XX/XXXX. I thought this was resolved after speaking with XXXX XXXX Hospital until I noticed a delinquency for XXXX and XXXX of XXXX from UCB on my credit report. When I called UCB on XX/XX/XXXX to dispute this I was given an email address, XXXX, to send proof of payment for the debt they are claiming I owe, so I did. After almost one week, I had not received a response to my email but instead a letter in the mail from UCB along with a billing statement from XXXX XXXX Hospital that included descriptions of procedures I had done which I believe is a HIPAA violation as I did not give XXXX XXXX Hospital my consent to release my information to UCB or anyone for that matter. I called UCB immediately upon receiving the letter and after waiting on hold for forever, I left a voice message requesting an immediate call back from a supervisor. That was almost one week ago and still no response from them. I've disputed this debt with UCB, XXXX Credit Bureau as well as XXXX XXXX Hospital. I have dated letters, emails and proof of payment. Please help to resolve this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
In XXXX of 2019, I considered refinancing a condo I have at XXXX XXXX XXXX, # XXXX, XXXX XXXX, SC XXXX. 

My mortgage with Chase Bank is at 5 % interest on a conventional 30-year mortgage. I'm a XXXX XXXX XXXX veteran who lost his job and wanted a better rate. 

When I contacted Chase about the gap between the current rates and my mortgage rate, the representative suggested an RMA to lower the interest rate given the circumstances. He also said any impact it might have on my credit would be negligible. 

In reliance on this, I applied for an RMA to see what they'd offer with the assurance that it would have no impact whatsoever on my credit score unless I accepted the terms of the RMA. Moreover, I was assured that I could get an estimate of the impact of the probable point on my score before accepting it. 

After three months of delays and being passed around to different RMA managers, Chase bank finally sent me an RMA offer. A mere {$42.00} reduction in my mortgage payment and the understanding that if I accepted it, it could harm my credit. 

I rejected the offer. I noted that it was insulting. I appealed noting they'd miscategorized my veteran 's XXXX income and underestimated my current living expenses. I was told they'd review the appeal and get back to me with a new offer promptly. That was two days ago. 

Today, I received a notice from my bank XXXX / XXXX. The report said that Chase Bank had erroneously reported that I had accepted their insulting RMA offer and that had somehow dropped my otherwise immaculate credit score nearly 75 points. 

This situation is totally unacceptable and contrary to the agreement. I never missed a payment. I inquired into the RMA based on a Chase representatives ' recommendation and misrepresentation. I rejected their offer. 

Then they torpedoed my credit score by pretending I'd accepted their offer. I want my credit corrected. I'd also like to report Chase for their dilatory tactics and for costing me what would have been a simple refinance by misrepresenting their RMA program and delaying a decision for over 3 months. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have over 21 credit inquiries on my report that are false, I did not authorize these inquiries, this has been an ongoing problem with these reporting agencies for some time now. 

These are the inquiries that are falsely reporting on my report : XXXX 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX  5. XXXX 6. XXXX XXXX  7. XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX XXXX  14. XXXX XXXX 15. XXXX  16. XXXX XXXX 17. XXXX  18. XXXX XXXX XXXX  19.XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX  XXXX 22. XXXX XXXX  23. XXXX XXXX XXXX  24. XXXX XXXX 25. XXXX XXXX XXXX 26.XXXX XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX XXXX  29. XXXX XXXX XXXX 30. XXXX XXXX  XXXX. 
31. XXXX  32. XXXX XXXX 33. XXXX 34. XXXX XXXX EQUIFAX 35. XXXX XXXX XXXX XXXX 36. XXXX XXXX XXXX. 
37. XXXX 38. XXXX XXXX XXXX  39. XXXX XXXX 40. XXXX XXXX 41. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have over 21 credit inquiries on my report that are false, I did not authorize these inquiries, this has been an ongoing problem with these reporting agencies for some time now. 

These are the inquiries that are falsely reporting on my report : XXXX  1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX  4. XXXX XXXX  5. XXXX 6. XXXX XXXX 7. XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX XXXX  14. XXXX XXXX 15. XXXX  16. XXXX XXXX 17. XXXX 18. XXXX XXXX XXXX  19XXXX XXXX 20. XXXX EXPERIAN 21. XXXX XXXX  XXXX 22. XXXX XXXX  23. XXXX XXXX XXXX  24. XXXX XXXX 25. XXXX XXXX XXXX 26.XXXX  XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX  XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX  XXXX. 
31. XXXX  32. XXXX XXXX 33. XXXX  34. XXXX XXXX XXXX 35. XXXX XXXX XXXX XXXX 36. XXXX XXXX XXXX. 
37. XXXX 38. XXXX XXXX XXXX  39. XXXX XXXX 40. XXXX XXXX 41. 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 non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received both a new debit card and a letter from bbt bank sating that they are closing my account. When i called they said there was a problem with XXXX on my account. They would not give me any details but said they closed my account and i could go to any bbt drive through with ID and get the funds. I went today and they said it was at XXXX. 
I called the fraud department and got passed around for a while. They said they " see the notes saying i could go to a branch to get the money but sidnt know the details ''. Finally i was transferred to XXXX the supervisor. He told me that someone had reported " XXXX fraud ''. I have only recieved XXXX koney from my daughters father for the exact same amount as it is child support ordered by the state. I explained this and said there must be a mistake and asked how much the conplaint was for? He refused to tell me. I asked for the details that they used to determine that this fraud report was actually true and he said they dony have to tell me. I asked him how then they knew it wasnt fake then and he said, " when we get a XXXX  conplaint we just automatically send the funds back. you agreed to these conditions when you used XXXX. '' I asked why my account wasnt negative then if there was a legitimate fraud report and he reaponded, " oh we just dont let your account go negative for XXXX. '' All i know is XXXX was the fraud investigator and that his name was XXXX but not how they made the determination or what proof eas used against me. 
I feel very taken advantage of since, according to bbt, i have no right to any information from them even though they have erroneously found me guilty. 
I dont care about the account but the way this situation has played out has me feel as if yhere was theft. I dont know what to do.

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 2020-04-10 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Please dont respond to my request by saying that these accounts have been verified by the information provider, I a aware of the E-OSCAR  process.I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.

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