vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a letter to Transunion and they did not respond within 30 days. I want the item Removed from my credit report for violation no response within 30 days. I have enclosed a copy of the letter that I sent them. I have also enclosed Confirmation of Certified Mailed Delivered to them on XXXX. 

RE : TRANSUNIOIN Dispute Letter of XXXX To Whom it May Concern, This letter is a formal notice that Transunion has failed to respond to my dispute letter of XXXX regarding USBK court central callifornia Docket # XXXX. I sent this letter Certified registered mail, Drivers license, copy of social security # and have enclosed a copy of the return receipt which they received onXX/XX/2020 
As you are well aware, federal law Fair Credit Reporting Act, Section 611 ( a ) ( 5 )  requires you to respond within 30 days. It has now been Way over that period since their receipt of my letter. Failure to comply with Federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letter or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included proof a copy of my original request and the dated Certified receipt of your reception of the original letter. 
Conlusion : The following information needs to be deleted from my Transunion report as soon as possible for failure to respond within 30 days : CREDITOR AGENCY : USBK CT CENTRAL CALIFORNIA Docket # XXXX Please delete this erroneous, unverified item from my credit report as soon as possible FOR FAILURE TO RESPOND WITHIN 30 DAYS Sincerely, 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 2020-07-23 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-07-23 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is in regard to my Wells Fargo mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XXXX through early XXXX. Wells Fargo, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX XXXX. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on Wells Fargo 's side ( I wasn't able to make online payments ). I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

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 2020-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
Loan # XXXX On XXXX XXXX we were notified by Quicken Loans that they would not be able to complete our loan unless more debt was paid off. We have emails stating what debt needed to be paid off and we did so. We also have emails stating where Quicken Loans stated they made a mistake on their end with calculating income. Unfortunately they did not figure out they made a mistake until just days before we were supposed to close on the home on XXXX XXXX. We did everything that Quicken Loans asked including paying off debt they stated needed to be paid and the mistakes kept happening on their end that greatly affected everyone involved ( realtors, buyers, sellers, title company, also leaving us in a situation with just days to try and find a new place to move my family into. We have via email where the loan was to be withdrawn and Quicken Loans is now stating they made a mistake with the verbiage and the loan was actually denied. I have that via email as well. We transferred the loan was to another lender but Quicken Loans will not change the status back to Withdrawn from denied so the lender can process our loan. Without the change the lender hands are tied and can't process the loan and again Quicken Loans is continuing to pour salt on the wound. All we are asking is for Quicken Loans to change the status back to withdrawn which it was supposed to be so my family can move on from this nightmare they have created. All we are asking is for Quicken Loans to change the status back to withdrawn so my new lender can process the loan on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened several business checkings accounts with Bank of America for a new business I am starting. I expected to be able to receive a BofA business credit card on application number XXXX given the funds I have deposited into checkings and given my excellent personal credit history. BofA has denied my credit card request and has shut down the ability for customers to call in for appeal. Both customer service line numbers XXXX and XXXX do not allow you to speak to anyone. This effectively locks me into paying multiple fees to maintain a checkings account even though I should absolutely be allowed to use a BofA credit card that would allow fees to be waived. They have essentially erected walls around my ability to appeal their decision and have unfairly locked me into paying fees.

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 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I received an email from a XXXX XXXX regarding a XXXX XXXX XXXX  card that I have never had in my life. It states that True Accord is a 3rd party debt collection agency, working on behalf of XXXX XXXX. It states that no attorney has personally reviewed this account, if I fail to reach out to them, they may forward it to a local attorney for the purposes of filing suit. I take offense to this language very much so. Especially since the debt doesn't belong to me. I do not know who it belongs to, but it doesn't belong to me at all. I am not going to verify any information with them. They should be able to verify it, which they won't, because the debt doesn't belong to me at all. I have been a victim of identity theft for over 5 years. I am attaching my police report and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOUTHWEST FUNDING, LP
State: TN

Complaint narrative:
It has come to our attention that during a transaction in which we intended on purchasing our first home our financial information was disclosed to a third party without our consent. Our lender XXXX XXXX and the processor XXXX XXXX with Southwest Financial Funding in XXXX TN emailed our loan applications and other financial documents to XXXX XXXX, a real estate agent who was not our designated representative. We were unaware this had occurred until we were reviewing emails in preparation for a complaint against XXXX XXXX for violation Tennessee Codes Annotated and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  during this transaction. 

Based on the attached email and content it is apparent that this is standard operating procedure for XXXX XXXX and XXXX XXXX during transactions so we must assume many others have been affected by this unlawful disclosure. Please note we are not uploading our financial documents for obvious reasons. We are only uploading the email showing them as attachments. We will however, forward this email to a member of your bureau directly should it be requested. 

It is very concerning to us that this type of behavior is apparently what they do in every transactions and subsequently the financial documents of many consumers have presumably been disclosed without their knowledge of approval.

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 2020-07-23 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-23 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: DISCOVER BANK
State: MO

Complaint narrative:
I initiated a dispute with Discover originally via XXXX Dispute. The company did an investigation and to their findings the transactions were valid. I contacted the company to ask them to look into this further because my account was suspended and my card wasnt available for use during an account review initiated from Discover. 
I did a complaint with CFPB, because at this point Discover is reporting to the three major credit bureaus that I have missed a payment, and this has dropped my score tremendously. I am in the process of purchasing a home and Discovers actions has caused a hardship that could result in XXXX for my family. 
Discover responded saying that the purchases were made when the account was Not accessible for use due to an account review. Discover said they would keep reporting this invalid payment history and balance until I tell them not to. 
That is not a resolution when in fact I never made purchases on this account. 
The resolution would be to remove the charges and late payment from my account and credit reports until a thorough investigation has been completed. 
Discover randomly selected my account for review before I could activate my card so I never got a chance to use the card. 
It is unfair to me and my family that we must suffer a hardship from not being able to purchase a home due to the late payment that Discover is  reporting on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One Main Financial. I had been current with direct debit for all of my payments until my company stopped paying me. The last paycheck I received was XX/XX/2020. I have tried to get payment to them from my savings. I am now 2 months late and the still want at least interest payment which is 70 percent of XXXX USD. I don't have it it and I am trying to get money from any source I can but as the Pandemic runs there is little I can do. They call me 15 times a day. They call from different numbers all the times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
XXXX reversed loan back to AES in the amount of XXXX on XX/XX/XXXX. I received letter from XXXX on XX/XX/XXXX that I was 60 pass due on my AES loan. I called XXXX immediately. We had a conference call to AES. They refuse to mail me anything since I was enrolled paperless option back in XXXX. I could not login to online account. There was issue with my legal name but it was important to them to upholding paperless option. Withholding information about loan as it was accruing interest. AES told me the only thing they could do was to put my loan into forebearance. I would need to mail them proof of ID before I could access loan online. XXXX recommended that I call them back afterwards to consolidate loan. That I should try to pay the accrued interest. Once I could logon to my account the accrued interest was unaffordable to me. As I tried many times to get help from AES to roll back balance to XXXX since only receiving letter from XXXX on XX/XX/XXXX informing me to call AES. This loan has skyrocketed way beyond original amount after 9 years of paying it down. I want to consolidate loan balance but not until AES corrects the balance on loan. This problem was created by AES refusing to inform when loan was reinstated by mail, giving me the run around about paperless option, and locking me out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, XXXX placed a judgement against me for {$10000.00}. I was not aware of this until they added this to a collection account in my credit. In XX/XX/XXXX I went to court to file a motion to vacate/set aside default judgement. The file was granted on XX/XX/XXXX which means the judgement that was entered in my credit is no longer valid since this motion was granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is in regard to my XXXX XXXX mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XX/XX/XXXXthrough early XX/XX/XXXX. XXXX XXXX, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on XXXX XXXX XXXX side ( I wasn't able to make online payments ). I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

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 2020-07-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is in regard to my XXXX XXXX mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XX/XX/XXXX through early XX/XX/XXXX. XXXX XXXX, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on XXXX XXXX XXXX  side ( I wasn't able to make online payments XXXX. I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX  as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

Thank you,

Company response to consumer: Closed with explanation