vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 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: MI

Complaint narrative:
The credit bureaus have updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. TRANSUNION  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. TRANSUNION failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.

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 2020-05-29 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: MI

Complaint narrative:
The credit bureaus have updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: UT

Complaint narrative:
We decided to use a mortgage broker to help us find a mortgage for our first house. Our loan officer decided to use Flagstar Bank. The loan was submitted to underwriting around XX/XX/2020. With a closing date of XX/XX/2020. Around XX/XX/XXXX, we found out that Flagstar was running over a month behind and had not even looked at our loan yet, and was about two weeks away from starting the process to get us conditions on our documents for the loan. 
At this time with advice from our Loan Officer, we decided to switch to a new program from another bank. The new bank was willing to help us try to meet our closing date of the XXXX and rushed their processing. We got our conditions back quickly and were able to get everything they wanted from us turned in. The one condition that was left was to get the appraisal transferred over from Flagstar. The request to Flagstar for the transfer was made on the XXXX of XXXX. Payment for the transfer was received by Flagstar on the XXXX of XXXX. Flagstar 's policy was to transfer the appraisal in XXXX Hours. It is now the end of the day on the XXXX and they still have not transferred the appraisal. This is the only document we need to close, and we have been waiting for it for over a week. We would like Flagstar to make good on their own policy for transferring the documents we need to close on our house. We paid {$500.00} for the appraisal, and {$250.00} was paid by the loan officer to transfer the appraisal. 
Our loan officer has been very diligent in contacting them every day to try and find out what is taking so long. It's now the end of the month and this delay is going to cost us more money because we have to find other rental options while we wait for them to transfer the appraisal.

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 2020-05-29 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: CA

Complaint narrative:
I have inquiries showing that I did not start or authorize. Im blue in the face for writing the credit reporting companies and they have not removed. I contacted XXXX and had them correct. They recommend I place a freeze on my XXXX  account which I did XXXX of 2019. I explained this and demanded all three agencies send me proof that they rechecked with XXXX, which none have done so

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 2020-05-29 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: CA

Complaint narrative:
I have inquiries showing that I did not start or authorize. Im blue in the face for writing the credit reporting companies and they have not removed. I contacted XXXX and had them correct. They recommend I place a freeze on my XXXX  account which I did XXXX of 2019. I explained this and demanded all three agencies send me proof that they rechecked with XXXX, which none have done so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In my bk chapter XXXX all old accounts were included in my bankruptcy and my credit report is still showing 2 accounts in the negative which are hurting my score one which was paid in full XXXX XXXX courts and the other included in the bk XXXX in which Is a collection agency XXXX XXXX XXXX it is hurting my score significantly and does not allow it to go up although I have an exceptional payment history I have disputed these accounts but they still hold my score and I am trying to purchase a house

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 2020-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: WV

Complaint narrative:
I had been out of work since XX/XX/2020 because of the Covid-19 crisis. 
Since XX/XX/2020 I have spoken with the PNC Mortgage Company that I have my mortgage through about a possible deferment until I could get low earnings/unemployment. I spoke to XXXX and she said the company would waive XXXX, XXXX and XX/XX/2020 payments. I then received a letter stating there was an agreement to the effect that my payments would begin again in XX/XX/2020. However, I was informed that ( from other associates ) that I would have to pay up to {$2400.00} in XXXX. 
At the time I was uncertain if I would be back to work or that my low earnings/unemployment would be coming in to cover this payment. 
I have since paid, upon agreement that if I could I would cover my regular payment. 
I did make XXXX 's payment on XX/XX/XXXX over the phone. I then mailed out XXXX 's payment on XX/XX/XXXX. 
I have received several statements since that do not reflect these payments. I get statements I the mail every other day. I have called and no one seems to know what I am talking about. 
I have copies of my mortgage statements and bank statements and the agreement from PNC Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my account # XXXX for NO reason. I had a lot of activity because I finally received my Pandemic Unemployment and had a lot of transactions in one day. First, they declined every other transaction even though I had thousands of dollars in there. Then, the froze my account because I was using the account as I wished. When I called for the 3rd time, I was told that they just made a business decision to close it without notice. No notice, just locked it and I had bills coming out and direct deposits coming in. Now have to wait until they decide to send me the thousands of dollars in my checking and savings.

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 2020-05-29 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:
AS A CONSUMER, I AM TRYING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY PROFILE, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE ACCOUNT WAS OPENED, MAINTAINED BY A THEIF. AS A CONSUMER, MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED. AGAIN, I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, I HAVE NEVER SEEN THIS CARD, I HAVE NEVER USED THIS CARD.

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 2020-05-29 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:
AS A CONSUMER, I AM TRYING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY PROFILE, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE ACCOUNT WAS OPENED, MAINTAINED BY A THEIF. AS A CONSUMER, MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED. AGAIN, I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, I HAVE NEVER SEEN THIS CARD, I HAVE NEVER USED THIS CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In my bk chapter XXXX all old accounts were included in my bankruptcy and my credit report is still showing XXXX accounts in the negative which are hurting my score one which was paid in full XXXX XXXX courts and the other included in the bk XXXX in which Is a collection agency XXXX XXXX XXXX it is hurting my score significantly and does not allow it to go up although I have an exceptional payment history I have disputed these accounts but they still hold my score and I am trying to purchase a house

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 2020-05-29 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:
I'm a Victim of Identity Theft. I want a put a fraud Alert On My Credit files ASAP I did not give anyone permission to open any Accounts using my Personal Information these Accounts was open without my Authorization I want them Removed and Block From My Credit Files.

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 2020-05-29 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: FL

Complaint narrative:
I am trying very hard since my divorce and some major medical issues to get my credit cleared up. For some reason Equifax doesnt seem to work like the other credit companies. This week 2 companies agreed to removed 2 old debts from my report. Instead of points going up they went down. The other companies they went up. Please tell me why that one would go down 16 points.

I am trying to move on with my life and buy a home. 2 steps forward 5 steps back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2020 I discovered on my Experian credit report that a new negative account had surfaced. It was from XXXX XXXX XXXX XXXX for {$390.00} for a leased phone that Ive never owned. I explained that to the customer service rep and asked several question regarding the validity of the account. The representative repeated my social security number which was incorrect by a digit. After I pointed it out they referred me to Experian to dispute the account. After explaining the error on my report Experian assisted me in filing a dispute claim. Today I received my results of the investigation from Experian as Remains.  Im furious and I dont understand how a fraudulent account in my name with an obvious incorrect social security number can stick???? I feel helpless as theres no way to dispute a dispute. My only option is to make a complaint??? This account destroyed my already fragile credit score and its not even mine! Thanks a lot Experian for nothing & salute to  the crooks at 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 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello, I purchased an airplane ticket from XXXX XXXX XXXX on XX/XX/2020, with my Bank of America card for {$100.00} for a flight from XXXX to XXXX XXXX, XXXX. 

My airplane ticket was canceled by XXXX XXXX XXXX on XX/XX/2020. I contacted the airline on XX/XX/XXXX to request a refund. They offered a travel voucher, which I did not accept and requested a refund to my account. After arguing back and forth, XXXX XXXX offered to return my money ( I have the email as proof ). 

On XX/XX/XXXX, the airline emailed another message, said they would give me a travel voucher after agreeing to refund my card, I responded it was not acceptable and to return my money. They agreed to refund my purchase but did not. I then filed a complaint with the bank because I did not receive the service. 

Bank of America is refusing to credit my account. I believe it's against consumer law because I did not receive the service I paid for and the merchant canceled on me. I have called Bank of America numerous times to address this over the phone, only to wait for 30+ minutes for the automated system to hang-up on me. This keeps happening. 

I was instructed to go to my local branch to address the issue on XX/XX/2020 by a Bank of America customer service rep on the phone. Today I went to branch located at XXXX XXXX XXXX, XXXX, MA XXXX, and spoke with the assistant manager, XXXX XXXX. I showed him the email that stated the airline would refund my money and I believe I am protected by consumer law. He agreed I was protected and they airline said they would refund my purchase since they canceled, but XXXX told me they will not refund the money and to file a complaint with the attorney general office. This is unacceptable, I have been a client for 27 years. 

Please help. 

Thank you, 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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm a Victim of Identity Theft. I want a put a fraud Alert On My Credit files ASAP I did not give anyone permission to open any Accounts using my Personal Information these Accounts was open without my Authorization I want them Removed and Block From My Credit Files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm a Victim of Identity Theft. I want a put a fraud Alert On My Credit files ASAP I did not give anyone permission to open any Accounts using my Personal Information these Accounts was open without my Authorization I want them Removed and Block From My Credit Files.

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 2020-05-29 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: DE

Complaint narrative:
For several months I've reached out to the CRA '' S with over 4 letters to remove a bankruptcy from my credit report. The account has not been investigated properly and it was not verified by the furnisher of this information. Public records have to be verified by furnishers of the information as any account listed on a credit report. They have failed in their duty. I contacted the courthouse and I was told - they do not verify with any credit agency. They even sent me a letter to confirm this fact. I have attached a letter to this compliant. Information on my credit report has to be verified with the actually furnisher and not a third party. The CRA 's are using third-parties ; thus, they have inaccurate information - and unverified. Delete the bankruptcy - you are in violation of the FCRA.

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 2020-05-29 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: DE

Complaint narrative:
For several months I've reached out to the CRA '' S with over 4 letters to remove a bankruptcy from my credit report. The account has not been investigated properly and it was not verified by the furnisher of this information. Public records have to be verified by furnishers of the information as any account listed on a credit report. They have failed in their duty. I contacted the courthouse and I was told - they do not verify with any credit agency. They even sent me a letter to confirm this fact. I have attached a letter to this compliant. Information on my credit report has to be verified with the actually furnisher and not a third party. The CRA 's are using third-parties ; thus, they have inaccurate information - and unverified. Delete the bankruptcy - you are in violation of the FCRA.

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