vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: GA

Complaint narrative:
SOMEONE HAS STOLEN MY IDENTITY. I DONT RECOGNIZE ANY OF THESE ACCOUNTS.PLEASE REMOVE THESE ACCOUNT FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: GA

Complaint narrative:
SOMEONE HAS STOLEN MY IDENTITY. I DONT RECOGNIZE ANY OF THESE ACCOUNTS.PLEASE REMOVE THESE ACCOUNT FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-29 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: IL

Complaint narrative:
XXXX  and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize 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 2020-07-29 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: IL

Complaint narrative:
I recently pulled my credit report and found erroneous, inaccurate, negative, fraudulent, and unverified accounts on my credit report. Because of this its hindering myself from obtaining tradeline in my name. There are several loan accounts with different dollar amounts and information, 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 2020-07-29 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: CORELOGIC INC
State: FL

Complaint narrative:
This is a complaint against CREDCO, the reason for these complaints is that several requests for credit appear without my authorization and without my permission, I requested via certified mail the elimination of these inquiries and you. You have not made any change in my credit report with XXXX. Because you have not done anything about it I request that the following inquiry be removed immediately from my credit report with XXXX. 1 ) CREDCO, DATE : XXXX2020 ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. This is illegal and highly injurious to my credit rating. Unless you immediately contact the credit bureau and remove this inquiry from my report, I will have no choice but to take legal action. Please govern yourself accordingly.

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 2020-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc.
State: SC

Complaint narrative:
Out of curiosity from an ad I saw, I clicked on Prosper 's " Check Your Rate '' link of its website. It CLEARLY states " Checking your rate will not affect your credit score ''. After doing so, I never took any further action. NONE!!!!! I NEVER submitted a loan application!!!!! 

Daily since then I get emails from Prosper with incentives to apply for a loan such as a credit on my first payment. I have IGNORED each and every email. AGAIN, I have NEVER taken ANY action on this. I have NEVER applied for a loan.

Today after weeks of these emails, I suppose Prosper got tired of me not responding and sent me a credit declined memo. How can I be declined credit for which I NEVER APPLIED?!?!?

THIS IS FRAUD!!!!!!!! I now have a ding on my credit because of Prosper 's FRAUDULENT processing of a loan application. I NEVER APPLIED!!!!!! I ONLY CHECKED MY RATE BASED ON PROSPER 'S PROMISE that " Checking your rate will not affect your credit score ''!!!!!

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 2020-07-29 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: IL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX two {$500.00} transactions were debited from my checking account without my authorization. I contacted Regions Bank for information regarding these transactions. I was told I could not file a dispute because the transactions had not yet posted to my account. My bank statement showed that these transactions were done through XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX. She was unable to refund my money. I received an Email from XXXX XXXX on XXXX from XXXX XXXX and he informed me that my case was being transferred to a specialists, I need to provide more information and that it could take 45 or more days to complete the investigation. 
I completed 2 disputes with Regions bank In hopes of being refunded my money and was denied each time. According to the bank, the reason for denial is that the transaction verified with my card credentials. No report of card loss, theft or compromise. Transaction passed fraud analysis. My debit card was never loss or stolen. My checking account/debit card information is linked to my XXXX XXXX. According to Regions Bank I sent the money to myself. Yet, I didnt receive {$1000.00} credit to my account. They also reported that the money was sent to my XXXX XXXX card. I dont have a XXXX XXXX card. I have requested copies of the documents used to make the determination and have yet to receive it. 
I received a text message from XXXX XXXX informing me that my phone number had been delinked from my XXXX XXXX account. I did not authorize this. This was around the same time the unauthorized transactions were done. Also, I was using a Chase ATM around this time and I received a text message from Regions seeking to verify if I was actually the person requesting cash at the ATM. I did request cash for the ATM. I would make no sense for me to send {$1000.00} through XXXX XXXX  to myself and withdraw cash from an ATM. I contacted XXXX XXXX and they were not able to verify the delinked account and I was instructed to create a new account. My cell phone or debit card was never out of my possession. I never requested my phone number to be delinked from my original XXXX XXXX account and I did not send {$1000.00} through 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 2020-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was trying to pay off my target store card in full and each time I make a payment its gets put on hold for unknown days???!! And I called TD bank target to see why and they told me I made too many payments so I can avoid being charged a late fee and interests if they continue to do this I will closed my account and I also dont have time to be on the phone and have them call my bank and I never had any payment returned and I just want some peace and go about my day and being on the phone with TD target to get a payment clear is huge waste of my time and money .... its its weird that I havent gotten a credit line increase and Ive been getting a bogus response on that one to and that a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Hello I humble myself to make a request for deleted payment. I have been a loyal client and have over 50 credit account most of which were revolving accounts 40 plus of them. I humble myself to ask after making attempts in the past to have the company forgive my one or two max late payments. Im asking if you could intervene on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-29 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: TX

Complaint narrative:
My name is XXXX XXXX on XX/XX/2020 I pulled my credit from Experian.com. numerous accounts were open without my knowledge nor consent. ( Details of these account will be found in my dispute letter ) These accounts were open after someone who broke into my car & stole my personnel info, causing me to be a victim of Identity Theft. Please remove these fraudulent accounts from my credit report as they do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
In XXXX, bought home in XXXX XXXX, XXXX XXXX, through ShellPoint Mortgage Servicing. I live in XXXX, had the home as a second home with plans to retire. I signed a 15 year mortgage, paid {$460.00} per month for the {$53000.00} mortgage. Coming up to XXXX, when the mortgage should have ended, it never did. I contacted them, they told me I signed a 30 year mortgage, not a 15 year mortgage. They then sent a document to me that is odd, in block letters, and looks fake to me that says I signed a 30 year mortgage. I am concerned and believe this is a fake document. 

They are saying I owe another 15 years on this mortgage which I do not believe to be true. That being said, I continued to pay it for fear of losing the house. 

Last year, in XXXX, a tenant in that home was not paying the rent, and I went through processes in North Carolina to get the tenant out, and therefore fell behind on that mortgage. I did get caught back up. 

Now in XXXX, I received paperwork that I did not get caught up, and they sent my XXXX mortgage payment back to me and won't accept payment. They say I have to now send them 7 full payments before they will accept any more payments from me. They are now threatening to take action to take the home. They are also telling me to declare bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I lost my job in XX/XX/2020 which wasthefirstbtime I contacted my lender, planet home lending. I was advised I would at that point be put into forebearance, which I submitted what documentation I had, my letter of termination. My account was not put into forebearance, when I reached out in XXXX regarding COVID. I have tried to reach them at least once a week since then, Via email as well as phone, with NO response. I have recently had to move my elderly XXXX mother in who needs 24 hour care as well as trying to get my business up and running and sitting on hold for over 3 hours is not feasible anymore and need to find out where I stand and what my options are so I dont lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hunt & Kahn, P.A.
State: FL

Complaint narrative:
I had a XXXX XXXX XXXX XXXX cc that was included in my Bankruptcy Ref # XXXX the charged off debt was sold to Hunt & Kahn I had a XXXX XXXX XXXX XXXX cc that was included in my Bankruptcy Ref # XXXX AND DISCHARGED. Yet this one specific charged off debt was sold to debt collectors, Hunt & Kahn , P.A . representing XXXX XXXX XXXX, a well known debt buyer. I have REPEATED responded to Hunt & Kahn 's aggressive collection attempts by advising them that this collection amount was discharged in my Bankruptcy from  XX/XX/2011. They have also erroneously increased the amount that was discharged by 40 % and now are garnishing my wages to recover the discharged amount - which was also overinflated from the original discharged amount. The Institution Information : U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX Overview Bankruptcy Reference Number # XXXX Date Filed : Reported on XX/XX/2011 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Hello, I recently applied with a re-finance through rocket mortgage approximately around XX/XX/XXXX. The process seemed brilliant and easy ; however, after turning in all documents and told I was told we would be closing soon around XXXX. After many delays, I was told everytime I called in we were close to the closing process. Then I started receiving messages that they needed a paycheck almost every week to prove employment. The problem with this is, it takes rocket mortgage on average a week to verify the documented paycheck you submitted. But when they say you are closing again, they halt the process and need a new pay check. So everytime I submit a current week paycheck, they process it next week. Then say, we need next weeks pay check to close - Its an infinite loop of them taking a week to process a current paycheck, that I am perpetually " always '' a week behind in their system to process a paycheck. It is now XX/XX/XXXX after told many times we are closing and its not happening. 3 months and 12 days later of personal time and energy wasted when I could've gone to a local credit union or bank. They keep you on the hook because of all the invested energy already but it seems nothing will ever close. No client needs to experience this. I am still today awaiting to close the loan - There was never a mention of credit score, loan value or appraisal just - waiting on documents - Waiting to get the loan togethor then a repeat of we need your next current pay check - Pay check submitted - One week to verify - Now that current pay check is one week late once verified ( because a pay check given to them on XX/XX/XXXX will not be verified by their team till XX/XX/XXXX or later ) and they re-do the process over and over. Its not currently possible to close on a loan with these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Hello I humble myself to make a request for deleted payment. I have been a loyal client and have over 50 credit account most of which were revolving accounts 40 plus of them. I humble myself to ask after making attempts in the past to have the company forgive my one or two maXXXX late payments. Im asking if you could intervene on my behalf.

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 2020-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Hello I humble myself to make a request for deleted payment. I have been a loyal client and have over 50 credit account most of which were revolving accounts 40 plus of them. I humble myself to ask after making attempts in the past to have the company forgive my one or two max late payments. Im asking if you could intervene on my behalf.

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 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flagstar bank company opened my loan in Escrow basis and after I told them It's set up incorrectly they removed it from Escrow,. However, They mailed the escrow balance to a 3rd party. I called them multiple times and the last time after a long hold, they wanted to give me a third party number to call and ask them to return my money. I feel that they are resonsible to refund me for my escrow account and they failed to notify me for this wrongdoing. 

Thank you

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 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Today I received an automated collections call from Citibank attempting to collect a payment on a card that 1 ) i have never used and 2 ) per my last CFPB complaint i was assured that the ONLY card that I had left open with citi was the mastercard ending in XXXX. 

Furthermore - When I log into my citi account, there is NO mention or reference to any card OTHER than the one ending in XXXX. 

When I spoke to a customer service representative, they said oh this other card isn't registered online. Well, there is no way for a customer to register a card online. 

When you have a banking relationship - all of your accounts should be loaded onto that servicing platform. 

This seems like a very deceptive banking practice. I do not owe an annual fee on a card that I not only havent used but requested that only XXXX be left open. 

I have an outstanding credit left on this card ... this card has a {$450.00} a year fee - why am i also being charged another XXXX fee on a ghost account? 

This is totally unacceptable. 

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