vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-24 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: CA

Complaint narrative:
Inaccurate accounts, inaccurate original open date.

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 2020-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
See attached files - unauthorized credit inquires are listed per my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Due to unforseen financial hardships, I was forced to enroll in a debt management program a couple months ago. My Capital One accounts were among the accounts included in the program. The debt management program was in charge of taking the monthly payment out of my account to pay the creditors and I made sure to make those payments on time every month until my financial situation got better and I was able to pay off the whole amount. I loved my Capital One cards and never had any problems with and although I was struggling financially, I always made sure to make the monthly payments even before I was enrolled in the debt management program. They are reporting late payments to one of the account and I do not understand how and why they are reporting those late payments since I have not knowledge of ever being late and only one of the account is marked as being late when both accounts were under the debt management program. It is unfair because I always made sure to pay them and when my financial situation finally improved, the first thing I did was paying both accounts off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is holding my credit score hostage. They are reporting a score 50 points lower than XXXX  and 100 points lower than XXXX XXXX. 
The score has been basically the same for the past year. 
one of the reasons listed is that my credit is too new I have been paying on my mortgage with an exceptional payment record for the last 10 years. 
Experian states you can boost your credit score by activating " experian boost '' which basically consists of giving them access to your checking and savings account. So they can verify utility and cell phone, etc payments. 
What so they can have a data breach and your entire savings can be wiped out in the blink of an eye. 
It is the most blatant example of misconduct perpetrated by a credit reporting agency. 
This is unacceptable and my credit score should not be held hostage until I give them access to all my personal banking information.

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 2020-05-24 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: LD Holdings Group, LLC
State: NY

Complaint narrative:
Two times, from XX/XX/XXXX thru XX/XX/XXXX, a hard inquiry was placed on my personal credit file. First, by XXXX on XX/XX/XXXX, initiated by LOAN DEPOT. Second, by XXXX XXXX XXXX on XX/XX/XXXX, initiated by XXXX XXXX. Both instances involved repeated solicitations by both LOAN DEPOT & XXXX XXXX, offering me lower mortgage refinance rates. I never gave either of them permission to run my credit and actually had a LOAN DEPOT " customer care team lead '' named XXXX XXXX, agree to remove the inquiry via XXXX on grounds that they didn't have my authorization. I have saved email correspondences with signed agreements that they NEVER honored. I have tried to follow up with LOAN DEPOT via email to XXXX XXXX twice in XXXX, XXXX, but to NO AVAIL. XXXX XXXX is the most disturbing because I have an existing mortgage with them and they ran my credit without my authorization after soliciting my business thru repeated cellular phone calls. I asked them what interest rate I could qualify to refinance my existing mortgage WITH THEM for and they NEVER told me they were going to run a hard inquiry on my credit. I tried MANY times in the Fall of XXXX to have them reverse the inquiry and they were EXTREMELY RUDE and UNAPOLOGETIC. That's not the way to treat someone who is an EXISTING CLIENT and has a XXXX mortgage with your company! I am currently in the process of refinancing and having another bank buy out my mortgage from them. They will NEVER see my business EVER AGAIN. I only submit this dispute with you because I have XXXX credit and their inquiries have actually damaged my credit. I hope that these two companies will come to their senses and just GIVE UP their predatory & usurious conduct. This is not what this country needs right now. We need HONEST people helping eachother, not PREYING and damaging their economic viability. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020, I received an email from Capital One stating that I notified Capital One that I needed a replacement card. The email stated that they shut down my current card and issued a new card and sent the new card to a different address than my current address. I NEVER MADE THIS REQUEST! I contacted Capital One and let them know that this was a fraudulent request. They were totally incompetent and could not tell me how something like this could have happened. They also could not tell me where the card was mailed to. After being transferred and kept on hold for a VERY long time, I told Capital One that I am closing my credit card account with them and I want nothing to do with them. 

Yesterday I received a bill in the mail from Capital One for {$16.00} for a " Fast Card Fee ''. I called Capital One again to tell them I had nothing to do with the request for a new card and that I cancelled my credit card account with them. Once again, I was transferred to multiple people, kept on hold for a VERY long time, and was forced to hang up after they could not resolve this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-24 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: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
Filed a dispute through XXXX  for Vanderbilt Mortgage. It states paid and closed which makes it look like a positive account in order to remain for 10 years or more. When you look at the account/payment history it clearly states repossession which makes this a negative account, therefore it should have been removed at the 7 year mark. All other credit bureaus have already removed the item, but XXXX  seems to be going by a different set of rules. Most recent dispute was XX/XX/XXXX and I received results on XX/XX/XXXX stating it is accurate and no changes were made. Last payment was made XX/XX/XXXX, item should have been removed XX/XX/XXXX. I was advised by an XXXX  employee that it will stay even longer because I filed a dispute 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 2020-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: FL

Complaint narrative:
XXXX to XXXX I have had H & R appear in my credit report I have disputed these charges. It is constantly being put on to my credit as new after its disputed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
on XX/XX/2020 XXXX XXXX was bought out by XXXX XXXX. Tihs caused my mortgage account to be now listed as closed and has made my credit score drop into the fair range was it was good before this. It now has caused me to not be able to get a good finance rate on a care and also has disallowed me to get a vacation rental due to credit check. My high balance on mortgage was {$130000.00}. I have called peoples bank numerous times with no avail. Please help to get my mortgage reported so I can get my credit back to whee it should be. I have no derogatory marks or late payments on any of my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Two times, from XX/XX/XXXX thru XX/XX/XXXX, a hard inquiry was placed on my personal credit file. First, by XXXX on XX/XX/XXXX, initiated by XXXX XXXX. Second, by XXXX   XXXX XXXX on XX/XX/XXXX, initiated by QUICKEN LOANS. Both instances involved repeated solicitations by both XXXX XXXX & QUICKEN LOANS, offering me lower mortgage refinance rates. I never gave either of them permission to run my credit and actually had a XXXX XXXX " customer care team lead '' named XXXX XXXX, agree to remove the inquiry via XXXX on grounds that they didn't have my authorization. I have saved email correspondences with signed agreements that they NEVER honored. I have tried to follow up with XXXX XXXX   via email to XXXX XXXX twice in XXXX, XXXX, but to NO AVAIL. QUICKEN LOANS is the most disturbing because I have an existing mortgage with them and they ran my credit without my authorization after soliciting my business thru repeated cellular phone calls. I asked them what interest rate I could qualify to refinance my existing mortgage WITH THEM for and they NEVER told me they were going to run a hard inquiry on my credit. I tried MANY times in the Fall of XXXX to have them reverse the inquiry and they were EXTREMELY RUDE and UNAPOLOGETIC. That's not the way to treat someone who is an EXISTING CLIENT and has a XXXX mortgage with your company! I am currently in the process of refinancing and having another bank buy out my mortgage from them. They will NEVER see my business EVER AGAIN. I only submit this dispute with you because I have XXXX credit and their inquiries have actually damaged my credit. I hope that these two companies will come to their senses and just GIVE UP their predatory & usurious conduct. This is not what this country needs right now. We need HONEST people helping eachother, not PREYING and damaging their economic viability. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have called over 10 years, They removed it and now it is back on. 
They are so rued to talk to. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-05-24 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: LA

Complaint narrative:
Filed a dispute through Equifax for XXXX XXXX. It states paid and closed which makes it look like a positive account in order to remain for 10 years or more. When you look at the account/payment history it clearly states repossession which makes this a negative account, therefore it should have been removed at the 7 year mark. All other credit bureaus have already removed the item, but Equifax seems to be going by a different set of rules. Most recent dispute was XX/XX/XXXX and I received results on XX/XX/XXXX stating it is accurate and no changes were made. Last payment was made XX/XX/XXXX, item should have been removed XX/XX/XXXX. I was advised by an Equifax employee that it will stay even longer because I filed a dispute in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I dont have any knowledge of this account and tried repeatedly to notify them. Its been years and this account is still showing on one of my credit report. This acount was deleted from two credit reporting agencies due to the fact that it was opened without my knowledge and consent and was found to be a fraud from years ago ; however, they are still reporting to my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX is in violation of Title 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), of  the FCRA On Reviewing Credit File : XX/XX/XXXX, Confirmation # XXXX : 1 ) On XX/XX/XXXX, I discovered that XXXX - Card Services, # XXXX, had been re-inserted into my credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

2 ) 1 ) On XX/XX/XXXX, I discovered that XXXX, XXXX, Late payment of XX/XX/XXXX, had been re-inserted into my credit file. Equifax is required to notify me within XXXXXXXX XXXX XXXX XXXX XXXX  of re-inserting a previously deleted item. I did not receive any such notification. 

On Reviewing XXXX XXXX : XX/XX/XXXX, Confirmation # XXXX, the above NEGATIVE information had already been removed. 

EQUIFAX had never notified me of any re-insertions per 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), and is in violation. 

Also, Equifax is reporting that I worked for XXXX. This is wrong! I never worked for XXXX. 

STATEMENT OF DISPUTE : These items are inaccurate and misleading to potential creditors and employers. PLEASE DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
Allied Trustee Services states that my HOA gave approval to record a lien and then a default on my home. I also did not get notification, they told me to track it myself that they did their part by sending it certified even though they know it had not been received. I have asked several times for them to remove the lien because it was not done properly and is therefore invalid. I spoke to XXXX on Friday and she said the HOA voted to remove the late fees and interest, but I still owe collection costs and they refuse to remove the invalid lien even after assessments are now overpaid. They say they received authorization from XXXX XXXX to proceed on XX/XX/2020 to record a lien and XX/XX/2020 to record a default. Even if I had gotten the notifications they sent the proper information was not included as our XXXX XXXX XXXX 's state. I have asked several times for the documentation they were given authorization and the name of the person they claim gave it and they refuse to provide it claiming it is their " internal documents ''. I provided them documentation of what our XXXX XXXX XXXX 's state and they still refuse to remove the lien. I told them they had 21 days in writing which started XX/XX/XXXX. I am trying to list the property and they have negatively affected the value and I am getting solicitors offering to buy it as discount based on the fact they think it is in distress which it is not. I also have a health issue and this has had a very negative affect as I am stressed and can not sleep. I also sent them notice the XXXX XXXX was not being followed and Civil Code had been violated. To this point all in vain. I also asked for them to show me a breakdown as to how they were calculating interest, they still did not make it clear and stating they were getting a new system soon. I need the lien removed ASAP. We have been on SIP orders since XX/XX/XXXX in XXXX XXXX so I find this extremely callous considering my health condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I have filed a dispute in regards with the incorrect items on my credit report. Its been well over 30 days & i haven't received any investigation results.

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 2020-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I went to XXXX College XXXX XXXX XXXX in XXXX, CO from XX/XX/XXXX to XX/XX/XXXX. I was unable to complete school due to a death of spouse and child. I have asked for student loan forgiveness due to uncontrollable circumstances. I have been denied or never get an answer. Also the school closed and is now XXXX. I never attended XXXX or any other school name it became. If school closed. It should have been written off in bankruptcy. It is deception and fraudulent to continue to collect on loans due to hardship and school closure. I am needing help navigating this issue. I have dreams to be successful for my family and loved ones. Any help would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
I have filed a dispute in regards with the incorrect items on my credit report. Its been well over 30 days & i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have money On my Card and I can withdraw Anything and this happened about 4 days Ago and I have Bills to pay and these Nooo way I can take it off Ive tried everything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Collections letter received from : I.C. Systems XXXX. XXXX  XXXX XXXX   XXXX, MN XXXX On XX/XX/2020, I received a collection letter from the above said agency in regards to an XXXX XXXX account, account number XXXX, in the amount of {$340.00}. I mailed off a dispute letter on XX/XX/2020, disputing the validity of this collection. To date, XX/XX/2020 no response has been given to me to validate this collection that is being attempted to collect against me. No communications whatsoever in this matter. Thank you for your time and attention in this very important matter. 

Respectfully, 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 2020-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
In XXXX I refinanced my mortgage loan with TCF Bank. In XXXX TCF sold my loan to XXXX ( XXXX XXXX XXXX ). When I received loan documents from XXXX  a ( redacted ) trust affiliated with XXXX XXXX  was listed as lien holder. After TCF Bank sold loan XXXX or XXXX changed my monthly payment. They also changed my loan from non-escrow to escrow. On XX/XX/2020 I requested original loan documents from TCF Bank and was told they were sent to XXXX.

Company response to consumer: Closed with explanation