vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I have submitted a complaint asking to correct misinformation. my mortgage original loan amount was $ XXXX the credit reporting agency has it at $ XXXX. i have pain down $ XXXX. TO THE TUNE OF NOW $ XXXX ( XXXX is non interest baring, deferred ). so the credit reporting agency is reporting approximately $ XXXX and a XXXX balloon and that is not correct, they are also reporting the origianl loan amount was $ XXXX approxiately - that is not correct it was $ XXXX. Its not that complicated XXXX had my loan and the original loan amount was $ XXXX then Rushmore changed it to inaccurate reflection. this problem is that it lowers my score because it looks like i have not paid down a loan that ive hade since XXXX and I did. ALSO why is Rushmore reporting payments for a time thety did not service my loan. they obtained servicing rights XX/XX/XXXX first payment date to Rushmore and months later they are reporting payments for XXXX and they have no idea that they can not report on servicing when they have not been assigned servicing rights. Also. how are the acting as a servicer of my loan when there NO original NOTE. Anywhere.. My understanding is that in order for a servicer to collect payments and service a loan there must be an Original note, not a copy of a note but the original note. I have research through much time and throughout the industry .... there is no original note. therefore collections of payments, collections, preforclosure, foreclosure if done is not in compliance. There is a very good reason why original not is required to protect mortgagor and Mortgagee. If original note is not held thean anyone that has the original note can collect of the full amount of that note. thats why the origianl note must be in place to collect and service mortgage payments. Or there is a flaw in securing a property. as I see it without haveing the original note ... these paymemts are being collected without merrit and possibly without Legal right ( without predjudice )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I opened an account with transunion that allowed me to lock and unlock my reports from Transunion and XXXX. I did this because there was an unauthorized inquiry and i wanted to protect myself from this happening again. Fast Forward we were set to close on our home XX/XX/XXXX the bank attempts to pull my report on XX/XX/XXXX and of course only gain access to XXXX. Being that we are due to move out of our apartment by XX/XX/XXXX and we have XXXX young kids I instantly unlocked both via the online account which is said to be instantly. I called both XXXX  and Transunion and Confirmed that they have no lock no freeze or fraud alert keeping my lender from gaining access and they assured me it hadn't been locked since i unlocked it on XX/XX/XXXX. Well surely they lender attempts and only gaines access to XXXX yet i can access all from each account that i have and its dated for XX/XX/XXXX. I need help today we need to close on our home we have nowhere to go and kids are disenrolled from school as of today because the new place is located in another city well without the address by getting the final XXXX we are seriously stuck. I NEED help we have merely 6 hours before we were going to go to close in XXXX by XXXX! 
I dont know what else to do if both agencies keep saying its unlocked and the lender is saying they can't pull it!!

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 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I opened an account with XXXX that allowed me to lock and unlock my reports from XXXX and Equifax. I did this because there was an unauthorized inquiry and i wanted to protect myself from this happening again. Fast Forward we were set to close on our home XX/XX/XXXX the bank attempts to pull my report on XX/XX/XXXX and of course only gain access to XXXX. Being that we are due to move out of our apartment by XX/XX/XXXX and we have XXXX young kids I instantly unlocked both via the online account which is said to be instantly. I called both Equifax and XXXX and Confirmed that they have no lock no freeze or fraud alert keeping my lender from gaining access and they assured me it hadn't been locked since i unlocked it on XX/XX/XXXX. Well surely they lender attempts and only gaines access to XXXX yet i can access all from each account that i have and its dated for XX/XX/XXXX. I need help today we need to close on our home we have nowhere to go and kids are disenrolled from school as of today because the new place is located in another city well without the address by getting the final XXXX we are seriously stuck. I NEED help we have merely 6 hours before we were going to go to close in XXXX by XXXX! 
I dont know what else to do if both agencies keep saying its unlocked and the lender is saying they can't pull it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: MO

Complaint narrative:
XXXX, Transunion, and XXXX is constantly fraudulently reporting accounts on my report inwhich I HAVE NO CONTRACT WITH, I have repeatedly disputed these accounts all to no prevail. The constant harassment and XXXX  hardship only would lead me to suing this companies. Never once have these reporting agencies nor the companies they represent brought forth any physical documentation that shows that I have a verified account/ contract with the following companies, ( 1 ) XXXX  XXXX XXXX , {$900.00}, ( 2 ) XXXX XXXX XXXX , {$1000.00}

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 2018-11-30 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: MO

Complaint narrative:
Equifax, XXXX, and XXXX is constantly fraudulently reporting accounts on my report inwhich I HAVE NO CONTRACT WITH, I have repeatedly disputed these accounts all to no prevail. The constant harassment and XXXX hardship only would lead me to suing this companies. Never once have these reporting agencies nor the companies they represent brought forth any physical documentation that shows that I have a verified account/ contract with the following companies, ( 1 ) XXXX XXXX XXXX , {$900.00}, ( 2 ) XXXX XXXX XXXX , {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: MO

Complaint narrative:
I have disputed this many times, now it's getting to the point of mental harrassment. The following company XXXX XXXX XXXX XXXX, I do not, nor have I ever had a contract with. No Contract. According to the FCRA law, if you gon na report information via a consumer and it's been disputed then you as the reporting agencies shall provided that consumer with physical documentation. Again, I have no contract with the above company ( XXXX 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 explanation
Consumer complaint received 2018-11-30 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: MO

Complaint narrative:
I have disputed this many times, now it's getting to the point of mental harrassment. The following company XXXX XXXX XXXX XXXX, I do not, nor have I ever had a contract with. No Contract. According to the FCRA law, if you gon na report information via a consumer and it's been disputed then you as the reporting agencies shall provided that consumer with physical documentation. Again, I have no contract with the above company ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: MO

Complaint narrative:
I have disputed this many times, now it's getting to the point of mental harrassment. The following company XXXX XXXX XXXX XXXX, I do not, nor have I ever had a contract with. No Contract. According to the FCRA law, if you gon na report information via a consumer and it's been disputed then you as the reporting agencies shall provided that consumer with physical documentation. Again, I have no contract with the above company ( XXXX 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 explanation
Consumer complaint received 2018-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account NORDSTROM/TD BANK XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that NORDSTROM/TD BANK XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX has been non-compliant with removing the unverified account FIFTH THIRD BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FIFTH THIRD BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX/XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account TD BANK USA/XXXX  XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that TD BANK USA/XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted a complaint asking to correct misinformation. my mortgage original loan amount was $ XXXX the credit reporting agency has it at $ XXXX. i have pain down $ XXXX. TO THE TUNE OF NOW $ XXXX ( XXXX is non interest baring, deferred ). so the credit reporting agency is reporting approximately $ XXXX and a XXXX balloon and that is not correct, they are also reporting the origianl loan amount was $ 93k approxiately - that is not correct it was $ XXXX. Its not that complicated XXXX had my loan and the original loan amount was $ XXXX then XXXX changed it to inaccurate reflection. this problem is that it lowers my score because it looks like i have not paid down a loan that ive hade since XX/XX/XXXX.. and I did. ALSO why is XXXX reporting payments for a time thety did not service my loan. they obtained servicing rights XX/XX/XXXX first payment date to XXXX and months later they are reporting payments for XX/XX/XXXX and they have no idea that they can not report on servicing when they have not been assigned servicing rights. Also. how are the acting as a servicer of my loan when there NO original NOTE. Anywhere.. My understanding is that in order for a servicer to collect payments and service a loan there must be an Original note, not a copy of a note but the original note. I have research through much time and throughout the industry .... there is no original note. therefore collections of payments, collections, preforclosure, foreclosure if done is not in compliance. There is a very good reason why original not is required to protect mortgagor and Mortgagee. If original note is not held thean anyone that has the original note can collect of the full amount of that note. thats why the origianl note must be in place to collect and service mortgage payments. Or there is a flaw in securing a property. as I see it without haveing the original note ... these paymemts are being collected without merrit and possibly without Legal right ( without predjudice )

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 2018-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: NJ

Complaint narrative:
The complaint I have is two fold. I am currently trying to save my home BECAUSE I was connected with a Mortgage broker who had me sign papers but never explained to me how the XXXX renovation process went. Everyone I worked with redirected to someone else. I have emails upon emails regard people telling me to go to different people up until this point I have been told that I don't qualify for a modification because I have only been in my property under a year. I will be calling and writing Washington BECAUSE what has happened to me is CRIMINAL and I WONT lose my home due to negligence. I have phone conversations, emails and texts of me asking for help or trying to understand the process all on my own. My ISSUE is I was told that there was assistane to help cover my living expenses during the XXXX process but I was NEVER told the request for these funds needs to be included in the work scope prior to closing. I am in a financial crisis now which partly my fault because I tried my best to handle this on my own. I havr maxed out ALL my credit cards. My credit is ruined and as a result of late fees and insurance increasing I can't afford to pay my mortgage. I'm in the process of applying for the HOME SAVER Grant and I really hope they can help me. But never the less this issue that I'm now in partly has to do with how I was TREATED during and after the mortgage/closing process. I signed documents and asked more then one time for help before deadline approached and was advised that everything was ok. I would like to see if you could offer any assistance with this matter before I move up the chain of command. On my part I have waited a long time with the hope of trying to resolve this on myself and I should have NEVER done that. I'm now facing losing my home and I have not even been there a year. It's sad and stressful but I know someone can help me I just have to keep looking and writing and start to hold people accountable ( this includes me ) for there actions. Please help me save my home.

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 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The company incorrectly reported the account as past due 30 days in XX/XX/2018 when I called to have them update the account as paid and closed.

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 2018-11-30 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 — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: OH

Complaint narrative:
On XX/XX/18 : {$1800.00} went missing from my NetSpend debit card account. The time of this unauthorized transaction was XXXX cst. Found out from NetSpend that this was a XXXX XXXX transaction. I told NetSpend that I have nothing to do with XXXX XXXX and that I don't even have a XXXX XXXX account. I even got XXXX XXXX on the line with NetSpend and myself on XX/XX/18, and the XXXX XXXX employee even told NetSpend that I don't have an account with XXXX XXXX. NetSpend said they can't stop this transaction from going through they can't block it even though I told them that this was not authorized. They said that after 15 days by XX/XX/XXXX if this transaction is still in pending status they will release the {$1800.00} back into my account. They also said I can't file a dispute until the transaction goes through yet meanwhile even in pending status I don't have access to my own money that was taken. My rent is due Saturday XX/XX/XXXX which I can't pay in fact I can't do anything can't by food. Please help me. I have no idea exactly how this could happen. NetSpend shut down the debit card and sending me a new card. I still don't have my funds and this has me sick to my stomach and I can't sleep good. If you need more information please let me know. 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