vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
I am reporting the company Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 

They keep contacting me for the last two years, trying to collect a parking ticket that occurred in XXXX on XX/XX/2015. I paid the ticket on XX/XX/2015, using a wire transfer. The ticket was for XXXX euros. I sent the documentation that the debt has been paid. 

They engage in deceptive practices, adding " late payment fees '', inflating the debt from XXXX euros to {$150.00}, and then with their fees to a total of {$300.00} dollars. Of course, given that the ticket was paid within 4 days, there were no late fees. 

They ignore the documentation that the debt was paid, and try to collect, threatening to report the debt to credit bureaus, hoping that the customer would be willing to pay a ransom to these scammers, to avoid any issues with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard yet back from these Companies yet ; this has been over 42 days ago.!!

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 2020-06-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard yet back from these Companies yet ; this has been over 42 days ago.!!

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 2020-06-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX contacted XXXX XXXX XXXX XXXX my credit report reading XXXX 30 days late ) vehicle has been paid off since XX/XX/2014. And that in the system it's showing a lien or something on the vehicle because I can't get the titles to the vehicle. I'm in the process of trying to buy a new house and this is holding up my process of what needs to be taken care of. I need to resolved the problem

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 2020-06-23 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: CA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: CA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The 3 major credit bureaus are up to their dirty tricks again. Reporting false and inaccurate addresses on my credit files. 

they are reporting the following addresses which are INCORRECT 1. XXXX XXXX XXXX XXXX, NC XXXX ( I DO NOT LIVE IN NORTH CAROLINA ) THE ONLY ADDRESS THAT SHOULD BE REPORTING ON ANY OF MY CREDIT REPORTS IS XXXX XXXX XXXX XXXX   XXXX CO XXXX ARE THE BUREAUS THIS DUMB TO REPORT AN ADDRESS THAT IS SIMILAR BUT IN AN ENTIRE DIFFERENT STATE. THIS IS WHY THEY MAKE ERRORS ON PEOPLES CREDIT TO INTENTIONALLY HURT THEM AND RUIN THEIR CREDIT.

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 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I started the refinance process on 2 of my properties with 5/3 bank at the end of XX/XX/2020. I contacted them approximately 2-3 weeks after I submitted the paperwork and was given the run around. The mortgage official would not return emails or phone calls. Once I received a response I was told it would take 30-60 days. It quickly changed to 60-90 days. I am a few days away from the 90th day and I still have not closed and do not have a close date. This program was under their easy refinance program. If I start the process with another mortgage company I will be charged the appraisal and other fees from 5/3 bank. I have co workers that have purchased and refinanced homes starting in XXXX with less than a 30 day close with other financial institutions. My credit is north of XXXX and I make XXXX per year. Will you please look into this for me? 
Thx

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: UT

Complaint narrative:
My name is XXXX XXXX. I've placed a prior CFPB complaints regrading my credit scores dropping acutely in XXXX of this year. I've been provided multiple answers to date regarding why this is. I was initially provided information that making a minimum payment in XXXX on my student loans was the driving factor regarding this. Essentially, this was the reason for my initial dispute/complaint. With that being said, further discussions with reps from the credit reporting agencies, my student loan service ( XXXX ), and the XXXX have revealed that this drop is most likely secondary to my student loans being placed into the government driven loan forbearance. Regardless, I am placing a formal complaint at this time challenging the accuracy of my current credit scores and the reflected drop in score that occurred in XXXX. My student loan service has provided that there is nothing from their end that would have resulted in this acute change. Discussions with the credit reporting agencies ( as well as pulling these reports myself ) would allude to my student loans being the culprit for the significant drop in my scores noted in 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 2020-06-23 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My name is XXXX XXXX. I've placed a prior CFPB complaints regrading my credit scores dropping acutely in XXXX of this year. I've been provided multiple answers to date regarding why this is. I was initially provided information that making a minimum payment in XXXX on my student loans was the driving factor regarding this. Essentially, this was the reason for my initial dispute/complaint. With that being said, further discussions with reps from the credit reporting agencies, my student loan service ( XXXX ), and the XXXX have revealed that this drop is most likely secondary to my student loans being placed into the government driven loan forbearance. Regardless, I am placing a formal complaint at this time challenging the accuracy of my current credit scores and the reflected drop in score that occurred in XXXX. My student loan service has provided that there is nothing from their end that would have resulted in this acute change. Discussions with the credit reporting agencies ( as well as pulling these reports myself ) would allude to my student loans being the culprit for the significant drop in my scores noted in 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 2020-06-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Linking my bank account to my brokerage account. I can not deposit or withdraw because of a change PNC implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
XXXX XXXX, XXXX contacted XXXX XXXX and proceeded to ask him if he knew XXXX XXXX. The guy stated that she had a credit card with Target that she owed {$810.00} on and that the debt had been sent to collections. I do not know how they got XXXX XXXX XXXX name nor his phone number and they should NOT have shared personal debt information with a third party. This is a violation of FDCPA, data protection and my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SLM CORPORATION
State: CA

Complaint narrative:
After I did activate the card I could not use it for purchases. They put hold on my account asking more docs from me. I did provide them the requested docs but my account is still on hold. I have got no letters what so ever for the explanations.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I filled chapter XXXX in XX/XX/XXXX. I was never late with my mortgage. Starting in XX/XX/XXXX they started putting unpaid amounts on my mortgage statement. I've called and called to get answers on why that charge was on my statement and no one knows why. I've paid {$300.00} dollars toward that unpaid amount. I told my BK lawyer about it and she sent me a legal document from the court that it should've been only {$400.00}. I just want answers on why would they be charging me more than the amount stated on my invoice.

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The 3 major credit bureaus are up to their dirty tricks again. Reporting false and inaccurate addresses on my credit files. 

they are reporting the following addresses which are INCORRECT 1. XXXX XXXX XXXX XXXX, NC XXXX ( I DO NOT LIVE IN NORTH CAROLINA ) THE ONLY ADDRESS THAT SHOULD BE REPORTING ON ANY OF MY CREDIT REPORTS IS XXXX XXXX XXXX XXXX  XXXX CO XXXX ARE THE BUREAUS THIS DUMB TO REPORT AN ADDRESS THAT IS SIMILAR BUT IN AN ENTIRE DIFFERENT STATE. THIS IS WHY THEY MAKE ERRORS ON PEOPLES CREDIT TO INTENTIONALLY HURT THEM AND RUIN THEIR CREDIT.

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The 3 major credit bureaus are up to their dirty tricks again. Reporting false and inaccurate addresses on my credit files. 

they are reporting the following addresses which are INCORRECT 1. XXXX XXXX XXXX XXXX, NC XXXX ( I DO NOT LIVE IN NORTH CAROLINA ) THE ONLY ADDRESS THAT SHOULD BE REPORTING ON ANY OF MY CREDIT REPORTS IS XXXX XXXX XXXX XXXX  XXXX CO XXXX ARE THE BUREAUS THIS DUMB TO REPORT AN ADDRESS THAT IS SIMILAR BUT IN AN ENTIRE DIFFERENT STATE. THIS IS WHY THEY MAKE ERRORS ON PEOPLES CREDIT TO INTENTIONALLY HURT THEM AND RUIN THEIR CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: NC

Complaint narrative:
I disputed the XXXX  account act # XXXX with Equifax, XXXX  and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$97.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$97.00} ) is. I have never signed an agreement with account XXXX ( {$97.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$170.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$170.00} ) is. I have never signed an agreement with account XXXX ( {$170.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$83.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$83.00} ) is. I have never signed an agreement with account XXXX ( {$83.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$92.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$92.00} ) is. I have never signed an agreement with account XXXX ( {$92.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$58.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$58.00} ) is. I have never signed an agreement with account XXXX ( {$58.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$92.00} ) is. I have never signed an agreement with account XXXX ( {$92.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX is. I have never signed an agreement with account XXXX. They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The fraudulent information remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
Rushmore loan management services my fha home loan number XXXX for XXXX XXXX XXXX XXXX XXXX pa XXXX. In XXXX i requested help due to reduction of income as a result of covid19. They sent me a letter of approval for three month for XXXX XXXX and XX/XX/XXXX. I sent the request back signed the end of XXXX and emailed a copy XX/XX/XXXX. Since that time I have gotten threatening ltrs that say im delinquent and i have called them and they will not stop these threats. I cant loose my house. Why are they not honoring the forbearance? This is harassment!

Company response to consumer: Closed with explanation