vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 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: OH

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 2021-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
My husband & I started the refinance process in XX/XX/2020 with Amerisave. We paid the {$500.00} application fee immediately to start the process -- - We started the process with XXXX XXXX he was pleasant and quick to respond. We got all information to him and he moved us to XXXX XXXX ( processor ) since late XXXX of 2020. We have submitted our banking info 3 times because it is expiring because the process is taking so long. My credit has been run 2 times ( the 2nd time I got an email from XXXX asking to re do it and I said i would prefer not to- but it done by someone anyway. The appraiser has been out as of today 4 times because the process has taken so long. I can never get honest or transparent information from XXXX XXXX and she always blames the underwriter or someone else- it was the appraisers fault today that we are needed another appraisal. XXXX for a refinance is absurd. We have been so patient but are exhausted and so very frustrated and sad that during a pandemic I have had to welcome a stranger in my home 3/4 times for appraisals.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
The past due amount went to a creditor and I currently pay biweekly on this account, bringing my loan balance down each 14-day period. This report continues to show a delinquent amount with non-payment. I pay on time every 14 days to XXXX XXXX. Neither Kay Jeweler or XXXX XXXX  will remove this from my credit, or update the balance each time I make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX Balance : {$2400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently filed a dispute with Experian to see if could remove the late payments from one year ago in my car loan with XXXX XXXX  XXXX XXXX XXXX. When the dispute was complete, the whole account was removed from my credit report when I only requested the late payments be removed. Experian told me the credit Union needs to reinstate the account and the credit Union is telling me they are still reporting it. Its still not there. It is an open account that I pay on time and am not getting the credit for it being in good standing. I have not heard back from my credit Union to get help with correcting this and I cant reach a live person who can help me either. Both parties claim the other is to blame and in the mean time, Im not getting the credit I deserve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Sebrite Financial Corporation
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. SEBRITE CORPORATION Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Im writing in regards to my letters I sent on XX/XX/2020 regarding unauthorized inquires that are being reported on my credit report. Up to this day 47 days later I have not heard anything back from any of the bureaus regarding their investigation. My dispute regarding this matter has gone unanswered and I feel as if I'm being ignored. It has been well over 30 days and to my understanding of the FCRA Section 611 ( A ) the bureaus have 30 days from receiving the notice to investigate these items and if not verified remove them from my credit report. I want these unauthorized inquires removed from my report promptly. These items are affecting my credit and I want these inquires deleted or I will file for litigation due to the stress that I have been put through. My information was compromised by the data breach from XXXX and has gotten into the hands of the wrong people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
I switched to another hazard insurance company in XX/XX/XXXX to lower my insurance premium but instead, my monthly mortgage payment went up due to incorrect escrow calculation. I repeatedly contacted my mortgage servicer, but each time they said that the escrow will be reviewed " soon '' and adjusted ( last escrow statement was XX/XX/XXXX ). I kept checking but no review was done even for the last qtr XXXX. Now it is XX/XX/XXXX and i have been paying the higher escrow amount all this time when it should have decreased. I tried calling the loan servicer again today XX/XX/XXXX but after 10 minutes waiting for my call to be picked up, I had to hang up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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:
There are 2 accounts listed on my credit report that do NOT belong to me and I have no knowledge of. This is a result of malpractice or an error and is negatively impacting my 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
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
I applied for re-finance loan with LoanDepot.com in XXXX XXXX. They started with collecting appraisal money and obtain appraisal on their own. They did not inform me the results for several weeks despite asking them and calling them for results. When I received the results, it was lower than expected. I again wanted to discuss these findings with the lender but did not get response for days. When I finally heard from lender, they required me to change the terms of the loan. I agreed to it but then it days to get response from them about next steps despite leaving voicemails and emails. When I do get response from them, they asked for additional documents even though only change in the loan was new lower amount. I provided additional document but took them days to asks for more documents. Now days has gone passed and I am asked to run my credit check again in XX/XX/XXXX because it has been too late since the original check. There has been no clear answer when the loan will be closed. The representative have been communicating very poorly. The customer service department can not get hold of anyone when I tried to call them multiple times. Anytime I call the representative, it goes to voicemail. They do no response to voicemail as they don't even listen to it. Because they agreed to provide me loan I declined other loan offers at the time. Now the interest rate has increased and I am not able to get same offers back. I would be paying thousands of dollars more over the course of the loan for going to another company. But LoanDepot is not providing any clear answers as when my loan will be closed. I am unable to move forward with other items that I have to do - such as pay off car loans and student loans as I don't want to impact my bank balance before closing. The large company - LoanDepot says their priority is customer service but I am not getting any service from you. The experience has been frustrating. 

The company also added charges on the loan disclosure that were not there previously. When called to inquire about them they offered me 'compensation ' for those charge on the phone conversation. I have not seen any documents stating this compensation clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Tesla, Inc.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020, TESLA FINANCE LLC Inquiry : XXXX. XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: VW Credit
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, VOLKSWAGEN  CREDIT  Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: NC

Complaint narrative:
A week ago a friend ( not even anyone I'm related to, nor would I ever use their information on anything I ever do ) was contacted regarding a " debt '' that I owe. I do not have any accounts in collections, nor have I been called or emailed or received a letter myself about my own so-called debt. I'm pretty sure it's a scam, but my personal information is being given to someone that isn't even related to me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I sent Equifax a dispute request regarding an unverified account from XXXX XXXX XXXX Asking to have the debt verified. I also sent a debt validation letter to XXXX XXXX XXXX tracking # XXXX which shows the debt validation letter was delivered and sigh for on XX/XX/XXXX, XXXX. After viewing a recent copy of my credit report I noticed you removed the account from my report in XX/XX/XXXX however the account was reinserted and I was NEVER NOTIFIED which is a direct VIOLATION OF FCRA. There is no indication on my account that shows I sent you a debt verification letter last month and it has been over 30 days with NO response. I CAN NOW PROVE YOU ARE IN DIRECT VIOLATION OF FCRA for FAILING to conduct a reasonable investigation with respect to the disputed information and continuing to report inaccurate information after being notified of the inaccuracies within the allowed 30 day time frame..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: OH

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$230.00} XXXX  XXXX XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$470.00} XXXX  XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$55.00} FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/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 2021-02-15 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: OH

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$230.00} XXXX  XXXX XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX  XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$470.00} XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX . Opened Date XX/XX/XXXX Balance {$55.00} FRAUDULENT INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
Hi. I received to emails today XX/XX/2021 saying I created an account with Transferwise & that I sent money. I did neither of these things and this company has no contact info so I cant get into contact with anyone. My email used is XXXX. {$620.00} dollars was sent to someone named XXXX XXXX. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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:
Over the course of 2 years I have disputed this contacte XXXX and they refuse to communicate or respond to all attempts to get this fixed. today after years of trying i now see they have reported to my credit 3 times for multiple amounts and the newest being reported XX/XX/2021 for {$4100.00}. This does not belong to me I advised them of this multiple times. This is causing major issues with my livelihood and is at this point harassment and lies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
After multiple discussions with BMW Bank of North America I asked a representative from XXXX ( personal bank used for bill pay ) to confirm payment was made twice for the period they accused me of being delinquent. BMW agreed payment was made and updated my account but reported it against my credit with a massive impact to my score ( 60 point drop ). This is a concern not only because they reported incorrectly that I was late ( proved this via XXXX rep ) but also because they accepted the payment and told me I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Attempted to cancel a trip for XXXX 2020 in XXXX XXXX. Due to pandemic and travel restrictions, we were not able to leave USA. XXXX XXXX  XXXX took the deposit of {$2300.00} in XX/XX/2020 for a trip in XX/XX/2020, and refused to refund stating the stay was non refundable. after sending emails for a couple weeks, XXXX XXXX XXXX eventually stoped answering emails after the US banned travel to the XXXX. Credit card company ( capital one ) says that because they did not confirm our cancellation, I can not be refunded. I send all of the email correspondence to capital one but they were no help on the matter.

Company response to consumer: Closed with explanation