vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX   {$760.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX   {$760.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts form my report. 

US DEP ED XXXX {$6200.00} US DEPT ED XXXX {$8700.00} US DEP ED XXXX {$5000.00} XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$8300.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$420.00} XXXX  XXXX {$450.00} XXXX  XXXX {$200.00} XXXX  XXXX {$50.00} XXXX   XXXX {$200.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX XXXX {$56.00} XXXX  XXXX XXXX {$200.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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:
On XX/XX/XXXX I was denied credit due to too many inquiries on my transunion credit report. On XX/XX/XXXX I called to report the unauthorized and unverified inquiries. I reminded the representative with transunion that according to the FCRA any and all unauthorized and unverified inquiries must be deleted immediately. They opened an investigation. After 30 days, nothing was done with the inquiries. Today on XX/XX/XXXX I called again and the representative by the name of XXXX said I had to prove the inquiries were not authorized. I then told the representative that according to the FCRA if they are unable to provide verifiable proof about the an authorized inquiries they bust deleted. These inquiries are the only thing stopping me from receiving credit. I demand these inquiries be deleted to prevent litigation. The inquiries are as follows XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I did not authorize any of these inquires and according to the FCRA all unauthorized and in verified inquiries must be removed. 

This is becoming very frustrating. Please delete the listed inquiries since they are unable to be verified.

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 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I applied for assistance after falling behind on my mortgage. PHH has demanded items from me that I have already provided. They initially said they wanted my bank statements with circles on them showing the rents I receive for income. They already had the bank statements with check marks. They said it has to be circles. So I sent those in and now they are calling saying that is not enough. They want circles with the loan number written next to the circle. So I have now sent them the statements with checks and circles. My attorney says this is not necessary and they are playing games with me like they have in the past. This is a violation of Respa Regulation X 1024.41 in which they are required to review my application once it is complete. Making up things to do like circles and not checks is not something that can cause a file to be complete or not. There are not rules or regulations about checks or circles. This company MUST be fined and reviewed for this type of violation of Respa.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020 I settled with Citibank over a charged off card with a balance of {$8200.00} for {$3200.00}, account XXXX. I paid this on XX/XX/XXXX, confirmation number XXXX. 
On XX/XX/2020 the payment cleared my bank. Citibank then reported an updated balance and negative status to XXXX, XXXX, and XXXX credit bureaus. I called Citibank on XX/XX/XXXX and XXXX, and XX/XX/XXXX asking them for a letter saying I had paid the settlement, and they refused, telling me to call back in 52 days. In XXXX, they continued to report negative information to the credit bureaus. On XX/XX/XXXX, XXXX. and XXXX, I faxed letters to Citibanks Credit Dispute Department requesting they correctly update the bureaus, because I feel they are in violation of FCRA 623. The account should be reporting settled, paid for less than full with a {$0.00} balance. Citibank reported to all three bureaus I was disputing the validity of the account, which I was not. They proceeded to add and remove comments such as " sent to collections and {$0.00} written off ''. After calling all 3 bureaus on XX/XX/XXXX, the disputes were removed. Citbank then reported the account negative again on the XXXX and XXXX of XXXX, adding and removing the dispute comments. I feel Citibank is being deceptive and reporting inaccurate information to the bureaus. Please see the attached settlement letter and bank statement showing payment.

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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was denied for getting a loan with XXXX  today XX/XX/20 because there are items reflecting badly on my credit report. One of the items is from a company called XXXX XXXX XXXX. I am not affiliated to this company in any way nor did I allow them to access my credit information. I have no idea who opened that account on my behalf but I did not benefit anything from it such as money, goods, services or any other benefit. I did not make any payments towards this account I have already reported it to the CFPB as well as my local police department. I have filed this report to the best of my knowledge and will report any new information regarding this unauthorized account and inquiries listed on this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
XXXX XXXX  XXXX REMOVAL REQUEST FORM How is this form used? 
Its used to request removal of Private Mortgage Insurance ( PMI ) from your mortgage loan. 
Note : FHA loans entail different removal criteria. The applicable form is available on our website : www.rpmservicing.com A new valuation, which can cost up to {$600.00} or more, is required* to confirm the value of the property. This can be true even when removing PMI based on the original value of the property. 
What requirements must be met to initiate cancellation of PMI? 
The loan must be current on mortgage payments. 
The loan must have a good payment history. A good payment history means : o No payments 30 days past due in the last 12 months, and o No payments 60 days past due in the last 24 months. 
The current property value must be at least equal to its original value The loan must meet the applicable loan to value ratio ( LTV ) provided in the PMI Cancellation Matrix on Page 2.

There must not be any subordinate lien ( s ) attached to the property. 
For properties located in Minnesota, the property must be owner occupied. 
For loans seasoned less than 2 years where substantial improvements are claimed, evidence of substantial improvements are required. This includes a list of improvements, contracts, and receipts ( see the FAQs on page 3 for more information ). 


I called to inquire about PMI removal which resulted in a {$500.00} charge, they sent someone for Appraisal and we didn't qualify LTV based on Original Value 80 % XXXX XXXX : 70 % XXXX XXXX : 65 % Other : 70 %. Prior they did not advise. I inquired online. Since then ( 12+ months ) they stated it would automatically come off by XX/XX/2019. 

I am still being charged {$75.00} every month. The mortgage balance is {$210000.00}, the home value is {$290000.00} and the original purchase was {$270000.00} with {$40000.00} down payment. 

They want to charge me another {$500.00} to remove this PMI!

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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was denied for getting a loan with XXXX today XX/XX/20 because there are items reflecting badly on my credit report. One of the items is from a company called XXXX XXXX XXXX. I am not affiliated to this company in any way nor did I allow them to access my credit information. I have no idea who opened that account on my behalf but I did not benefit anything from it such as money, goods, services or any other benefit. I did not make any payments towards this account I have already reported it to the CFPB as well as my local police department. I have filed this report to the best of my knowledge and will report any new information regarding this unauthorized account and inquiries listed on this 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 2020-03-17 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: CA

Complaint narrative:
I was denied for getting a loan with XXXX  today XX/XX/20 because there are items reflecting badly on my credit report. One of the items is from a company called XXXX XXXX XXXX. I am not affiliated to this company in any way nor did I allow them to access my credit information. I have no idea who opened that account on my behalf but I did not benefit anything from it such as money, goods, services or any other benefit. I did not make any payments towards this account I have already reported it to the CFPB as well as my local police department. I have filed this report to the best of my knowledge and will report any new information regarding this unauthorized account and inquiries listed on this 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 non-monetary relief
Consumer complaint received 2020-03-17 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: PA

Complaint narrative:
Last year i received several notifications that my information was exposed in several mass data breaches such as the XXXX  date breach and the XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. I have been negatively impacted by this identity theft and request that these fraudulent accounts be blocked and removed from my credit report immediately which is in compliance to the FCRA section 605-B.

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 2020-03-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I am writing to complain about incorrect credit information which is appearing on my experian credit report for a XXXX credit account. XXXX  on XX/XX/2020 reported my account as 30 days late to experian. This update flagged my account negatively and brought my score down by 21 points. I worked with XXXX to resolve the issue and have them correct it at their end ( I have a letter from XXXX which confirms the correction ) .However the department within XXXX which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to experian. I also worked with experian to rectify this error by providing them supporting documentation from XXXX but as per experian they have not received any updated information from XXXX  to remove deliquency. I have been thrown in circles by both of these companies- experian and XXXX  credit reporting department. XXXX, on each call has confirmed that from their end the account is current and has never been late however Experian is still reporting the account as 30 days past due in XX/XX/2020. This is a pure example of missing links in the process which XXXX  uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. I would like to request experian to remove 30 day delinquency attached to my XXXX  credit account and also appropriately update my score back. The day delinquency was posted, my score dropped by 21 points and I am hoping that it will be reverted. Looking forward to a resolve, I will be happy to provide any supporting documentation needed. 
Thanks

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 2020-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Sent written letter to XXXX/XXXX, Bank of America ( 2 inquiries XX/XX/XXXX and XX/XX/XXXX ) and XXXX/XXXX XXXX   notifying them that my XXXX credit report showed an unauthorized hard inquiry they had made and that I was not aware of. I requested that these inquiries be removed immediately this inquiry has been cited as a reason for me to receive credit. I also sent a copy of my XXXX  credit report showing the inquiry.

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 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I'm currently working on identity theft. gov and they are asking me to follow the steps to file identity theft with my credit cards ( capital one and XXXX  XXXX  ). I've already tried to talk to the credit cards directly but nothing was working. so identity theft was the next step I decided to take. At this point, I don't really know what to do because in total iits around 6k in debt that i had nothing to do with. plus I'm afraid this going to affect my school loans or even purchasing a home. this is affecting my credit score horribly and I'm pretty much lost at this point. 

XXXX XXXX email- XXXX phone ( XXXX ) XXXX please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts form my report. 

US DEP ED XXXX {$6200.00} US DEPT ED XXXX {$8700.00} US DEP ED XXXX {$5000.00} XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$8300.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$420.00} XXXX  XXXX {$450.00} XXXX  XXXX {$200.00} XXXX XXXX {$50.00} XXXX   XXXX {$200.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX XXXX {$56.00} XXXX  XXXX XXXX {$200.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX {$8300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts form my report. 

US DEP ED XXXX {$6200.00} US DEPT ED XXXX {$8700.00} US DEP ED XXXX {$5000.00} XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$8300.00} XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$420.00} XXXX  XXXX {$450.00} XXXX  XXXX {$200.00} XXXX  XXXX {$50.00} XXXX   XXXX {$200.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX XXXX {$56.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX {$8300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 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: OK

Complaint narrative:
I get collection accounts from other people then who I actually had the debt from and Im asking it to be removed please

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 2020-03-17 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
Sent written letter to XXXX XXXX ( inquiry date XX/XX/2020 ), XXXX XXXX, Continental Credit, and Continental Finance Company , LLC notifying them that my XXXX credit report showed unauthorized hard inquiries they had made and that I was not aware of. I requested that these inquiries be removed immediately. These inquiries have been cited recently as a reason that I am not able to be approved for credit. I also sent a copy of my XXXX   credit report showing the inquiry. In addition, as per the instructions from the FTC, I sent a written notice to XXXX that these inquiries were unauthorized. As of today XX/XX/2020 the unauthorized inquiries have NOT been removed. 

As the names of the companies and the dates of the inquiries are clearly shown on the credit reports, the facts are clear that these companies are the correct companies to contact and are the correct companies to remove the inquiries. This is indisputable and a violation of FTC statute, so I am requesting an immediate removal from my credit report before further damage is done.

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