vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 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: AR

Complaint narrative:
Recently a few weeks ago I submitted an identity theft report containing fraudulent established accounts that were reported on my XXXX, Experian, and XXXX  credit file. As of today I received a response from Experian and XXXX in regards to my dispute with several of the fraudulent accounts still displaying on my credit file. Experian and XXXX  both have violated the Fair Credit Reporting Act as well as my rights as a consumer by continuing to report these fraudulent accounts on my credit file. Under section 605b, the fair credit reporting states accounts established due to identity theft must be blocked by the bureaus within 4 days of notification from the consumer. In addition Experian or XXXX  failed to provide 100 % accurate verification on how they verified the fraudulent accounts that are still displaying on my credit file. XXXX  has failed to respond to my dispute.

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
On my report saying I have a XXXX  XXXX  showing up a as XXXX   inspection violations.Showing up I owe landlord that have been paid off. A lot of incorrect information on my report that rental company pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called my lender, Mr. Cooper to inquire about refinancing with cash out because I need to pay my huge student loan and for home improvement. I was told that I have a suspense account of {$94000.00}. I asked, how come and what is that?. They said it's from a loan modification with my previous lender, XXXX  XXXX XXXX. I told them, there was no loan modification done with XXXX. So I asked them to email me a copy of that loan modification with my signature. The representative, XXXX told me that there was nothing in their file that she can find with my signature. So she emailed me a loan modification without a signature. I told them that is illegal because I did not authorize XXXX or any lender to do a loan modification for me. I called XXXX myself and spoke with XXXX from XXXX XXXX XXXX. She confirmed that there was no loan modification done. She also said that my account was sold to Nationstar in XX/XX/XXXX, which is now called, Mr. Cooper. I called Mr. Cooper again and asked to speak with a manager. Following day, the manager, XXXX XXXX called me which I told her the same thing. We had the same discussion and I told her that if they can't provide loan modification docs with my signature, then they have to get rid of it. I made it clear with her that I need this issue cleared soonest possible because I need to apply for cash out refinancing to pay my debts while the rate is still low. Then I found the letter from XXXX in my file proving that there was no loan modification ever done. So I emailed it to XXXX. Today, she called me again without a solution and telling me again that they are searching for loan modification docs. I said to her that they won't find anything since there was no loan modification ever done and I already emailed her the letter from XXXX proving that there was no loan modification ever done. She confirmed that she have received it and that she showed it to her supervisors. XXXX said she'll get back with me again. I told her I want to hear from her before the end of this week with a resolution. I really think they are just giving me the run around. Please help me. I really need to pay my student loans as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The company is and has been holding back monthly payments, so we had to void out the two months for XXXX and XXXX for they have not cashed the checks. So now church that's been helping myself my Brother XXXX is living with me now their not going intel PHH Mortgage services start sending us a real Billing receipts on the monthly payments. So in closing can you Help us, Now this tried doing almost the same thing last year. I am sure I'll be sent a default for a failure to pay notice and late fees and foreclosure as well so thanks. P.S. Why are they doing this I mean that's illegal? sign XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Recently a few weeks ago I submitted an identity theft report containing fraudulent established accounts that were reported on my XXXX, XXXX, and Transunion credit file. As of today I received a response from XXXX  and Transunion in regards to my dispute with several of the fraudulent accounts still displaying on my credit file. XXXX  and Transunion both have violated the Fair Credit Reporting Act as well as my rights as a consumer by continuing to report these fraudulent accounts on my credit file. Under section 605b, the fair credit reporting states accounts established due to identity theft must be blocked by the bureaus within 4 days of notification from the consumer. In addition XXXX  or Transunion failed to provide 100 % accurate verification on how they verified the fraudulent accounts that are still displaying on my credit file. XXXX  has failed to respond to my dispute.

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 2020-02-25 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: NJ

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-02-25 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: NJ

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
This account has been paid in full and is showing a late payment in XX/XX/2019 and XX/XX/2019. I'm in the process of trying to buy a home and the late payment reporting is affecting my chances of becoming a homeowner. Please consider as a Goodwill courtesy and that all other payments were made on time please consider to update as a Goodwill courtesy. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: MD

Complaint narrative:
The accounts reporting on my credit report is inaccurate and don't 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 2020-02-25 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: IL

Complaint narrative:
Remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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:
On XX/XX/XXXX, I was informed by my credit monitoring company that my credit score decreased because of a new credit inquiry. I had not requested a credit check for any financial products or services. I checked my credit report and found a new credit inquiry from the following : XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have never requested credit from XXXX and definitely I did not authorize this credit check. 

On XX/XX/XXXX I mailed a letter to Transunion ( who reported the credit inquiry ) and included a copy of my credit report with the transaction highlighted. 

On XX/XX/XXXX I received a letter back from Transunion saying " After reviewing your dispute request, we found the information you disputed does not currently appear on your Transunion credit report ''. 

I checked my credit report again today XX/XX/XXXX and saw that the credit inquiry is still on my report. Please help!

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 2020-02-25 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: IN

Complaint narrative:
EXPERIAN HAS IGNORED ALL SUPPORTING XXXX XXXX DOCUMENTS I SENT WITH DISPUTE XX/XX/XXXX PROVING THEY ARE VIOLATING MY RIGHTS UNDER FCRA LAWS-EXPERIAN STATED ON XX/XX/XXXX XXXX XXXX IS THE SOURCE OF VERIFICATION AND THAT THE PUBLIC RECORD BK-XXXX WAS ACCURATE ON MY CREDIT FILE, I SENT THE DISPUTE XX/XX/XXXX TO EXPERIAN AND XXXX XXXX DOCUMENT STATING THEY DELETED BK-XXXX  FROM MY FILE XX/XX/XXXX IT IS ATTACHED IN THIS COMPLAINT TO CFPB ALONG WITH THE INDIANA ATTORNEY GENERAL COMPLAINT RESULTS DOCUMENT FROM XX/XX/XXXX SHOWING XXXX FOLLOWED THE FCRA LAWS AND REMOVED BK-XXXX  FROM MY FILE AND ALSO ATTACHED IN THIS COMPLAINT IS XXXX DOC SHOWING THEY DELETED THIS ITEM ALSO, EXPERIAN IGNORED SUPPORTING DOCS AND CONTINUES TO VIOLATE MY RIGHTS.

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 2020-02-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/20, I was informed by my credit monitoring company that my credit score decreased because of a new credit inquiry. I had not requested a credit check for any financial products or services. I checked my credit report and found a new credit inquiry from the following : PAYPAL via SYNCBPAYPAL XXXX XXXX  XXXX XXXX, MD XXXX ( XXXX ) XXXX I have never requested credit from paypal and definitely I did not authorize this credit check. 

On XX/XX/2020 I mailed a letter to XXXX ( who reported the credit inquiry ) and included a copy of my credit report with the transaction highlighted. 

On XX/XX/20 I received a letter back from XXXX saying " After reviewing your dispute request, we found the information you disputed does not currently appear on your XXXX credit report ''. 

I checked my credit report again today XX/XX/20 and saw that the credit inquiry is still on my report. Please help!

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 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had contacted Capital One XX/XX/2020 to inform them of the late penalties I was assesed. But the bank informed me their systems were down and to call back at a later time. I had previously called and asked to be enrolled in automatic payments but Capital One refused to assist me with setting the automatic payments regarding account ending in XXXX. I am enrolled in payments with my other accounts and capital one assisted me in setting up automatic payments with these accounts. And I once again called on XX/XX/XXXX to explain what had happened but the representative refused to assist me in this matter. He claimed that their is a 12 month waiting period. I expressed to him that I've had a long standing relationship with capital one extending 4 years. And that I had regularly asked for automatic payments to be set up to my account in XXXX. I incurred these fees through no fault of my own as I do not have the legal authority to control and add and verify an external account to my credit card. I wish to address this as soon as possible and not be forced to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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:
fraduelnt account opened XX/XX/2011 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 2020-02-25 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:
fraduelnt account opened XX/XX/2011 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This TD Bank account with Account number XXXX is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25 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:
This XXXX XXXX  account with Account number XXXX is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.

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 2020-02-25 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:
This XXXX XXXX  account with Account number XXXX is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American express sent me a platinum credit card, and failed to tell me they will charge {$550.00} for it. when I discovered it in their first bill I paid whatever I used and closed the account, they consented to closed and adjust to {$0.00} but they did not., instead the account appears in collection and unpaid the amount was {$550.00} for the fee, annually and unused. 
this account is hurting me.very deeply. I DO NOT OWE THEN ANY MONEY. the account # is XXXX. 
you should fine this company on top of forcing them to correct, and they also have waken and disturbed my sleep with tons of calls. 
I will not pay for what I do not owe. 
I will take this matter into whatever consequence because I love justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
the payments are not apply correctly, already file a complaint once, but this guy who said is a manager there, call me when I was busy and I ask for document that state why they not applying the money I send to the account but he said that I have some credit for the money I send but if I paid off I guess that extra money will be taken by the company and not applied to my loan, this person was more concern on convincing me of writing a good review other then fixing the matter, I just send XXXX dollars and the statement I received shows a payment of XXXX, doesn't reflect the money I sent and want to know where is the rest of the money?. seem like they trying to take my money but I will fight to the end for my money, I have been advised to contact my local police department and show the documents and contract and if they find something wrong will opened and investigation with I will do if nothing is fixed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: MO

Complaint narrative:
Over a year ago I reported the lost of my entire wallet, Inwhich lead to my identity being stolen and my personal information being compromised. I summoned the three ( 3 ) major credit reporting agencies to show just cause the physical proven documentation of these unauthorized fraudulent accounts. What Method Of Verification was used to support the reporting. I asked for the names, dates, time, titles of the person or persons inwhom collected this information. Without filing suit on the credit bureaus, I'm respectfully demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$250.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX {$730.00} 4 ) XXXX XXXX 5 ) XXXX/XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX   XXXX XXXX 8 ) XXXX  XXXX XXXX 9 ) XXXX XXXX XXXX  XXXX 10 ) XXXX XXXX XXXX 11 )  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 2020-02-25 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 — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
I got into an accident in XX/XX/XXXX. My car was declared a total loss in XX/XX/XXXX. This being my first car off the lot and first total loss incident I've encountered I wasn't sure what to do with the payments towards my account. 
I called the lender my car was financed from ( Citizens Bank ) and a representative specifically told me that I do not need to make payments towards my car loan because they understood it's a total loss and the GAP insurance will take care of it. 
XX/XX/XXXX came and noticed a derogatory mark/missing payment on my credit report. I've never had a missed payment since I've started building my credit. It came from Citizens Bank ; a missed payment during the time my car was declared a total loss. I called Citizens bank explained the situation, filed a dispute, and my dispute was denied. This isn't fair to me because I was told specifically by Citizens Bank representative that I didn't have to make payments towards my car loan and its because of them Ihave a derogatory mark on my clean credit history.

Company response to consumer: Closed with explanation