vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. There's a derogatory item that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiry : 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 2020-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
The original complaint, XXXX, sought from Rushmore evidence the borrowers XXXX credit score was below 720 on XX/XX/2020. Rushmore replied on XX/XX/2020, and stated the following : - " On XX/XX/2020, Rushmore completed an assessment and the Credit Score obtained was XXXX. '' - " our servicing system is designed to pull credit scores each quarter from a third party company, XXXX. '' Rushmore is playing fast and loose with definition of " credit score '' in its XX/XX/2020 letter and " XXXX '' credit score in the XX/XX/2020 letter sent to the borrower by recklessly and casually interchanging the two. Interchanging " credit score and " XXXX '' credit score makes the Rushmore XX/XX/2020 letter false and misleading given the following evidence : - On XX/XX/2020 Rushmore provided to the borrower and CFPB a credit score and not the borrowers XXXX credit score as requested in the  original complaint XXXX. Rushmore said it made its decision to suspend the borrower 's HELOC on the XXXX score obtained on XX/XX/2020 - XXXX nor XXXX credit reporting agencies have no record of XXXX or Rushmore inquiry into the borrowers credit profile. In fact the only evidence of an inquiry by Rushmore into the borrowers credit profile was recorded on XX/XX/2020 by XXXX 
- Rushmore purportes the borrower credit score increased by 35 points between XX/XX/2020 and XX/XX/2020. In fact, the borrowers XXXX credit score on XX/XX/2020 was XXXX, the date the borrower received notice of the HELOC retroactive suspension. More importantly, the borrower XXXX  credit score remained unchanged between XX/XX/2020 to XX/XX/2020, at XXXX, when Rushmore conducted its supposed second inquiry into the borrower 's credit profile. 
- Last, the borrower credit profile did not change materially between XX/XX/2020 and XX/XX/2020. The borrower had no ( a ) late payments ( b ) missed payments ( c ) charge off ( d ) collections ( e ) garnishments or ( g ) or bankruptcy.

Rushmore is again asked to provide evidence from its third party vendor XXXX to support Rushmore claim that the borrowers XXXX credit score was XXXX on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: NY

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank Home Mortgage refuses to report my home loan on my credit report for no reason. Ive paid on time for the whole 4 years Ive had the loan and want them to report it correctly like they do for everyone else. They are damaging my credit by not reporting my 4 years of on time payments. They say the home was in bankruptcy but it never was and they refuse to fix this. They are kicking someone who is down by damaging my credit when Ive done nothing but be a perfect customer l. They shouldnt be allowed to discriminatorily decide who to report and who not to when Ive done nothing but be a perfect customer to them. They are a horrible company I cant wait to run away from

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 2020-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
In a divorce decree the court order states that XXXX XXXX XXXX was awarded the home. He should EITHER refinance or assume the loan in his name only. XXXX XXXX and XXXX XXXX divorced XX/XX/2016. Since then XXXX XXXX changed name back to maiden name XXXX XXXX. I, XXXX XXXX have petitioned the mortgage companies several times throughout the years and it has been a dead end at every attempt. My name is no longer on the deed and yet I can not get my name off of the mortgage. Mr XXXX can not refinance because his credit score does not meet the minimal requirement and yet I a held XXXX to a mortgage that I am no longer the owner and my name is not on the deed. Essentially, I am being held XXXX to a home that I no longer own. When I present the divorce decree to the mortgage companies it is ignored. They just tell me to refinance which he can not. I can not move on with my life in the purchase of my own home because it affects my credit scores when Mr XXXX is late on a payment, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt from American Express. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXXXXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

This is not the first complaint I have filed- XXXXl does not change their tactics and I am still having the same issue. 

**The CFPB has not helped either even though this has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
We reviewed your complaint and apologize for any difficulty you may have experienced. To process your request and protect the confidentiality of your credit report, please re-submit your complaint and provide us verification of your Social Security number. Acceptable forms of verification include a copy of one of the following documents that show your Social Security number : current drivers license, Social Security card, a letter from the Social Security Administration, state ID card, XXXX or XXXX card, military ID, bank or credit union statement. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX  XXXX XXXX ET. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs.Transunion has requested I send this information in to prove my identity.

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 2020-07-31 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: NC

Complaint narrative:
An account for a Line of credit with XXXX XXXX XXXX XXXX was paid in full. A letter was sent FROM the original creditor to the credit reporting agencies XXXX & Equifax to update and reflect the payoff. They have refused to update the information correctly multiple times and they are still reporting negative information on the credit reports. This is continuing to damage my credit file and action needs to be taken immediately. The LOC account with XXXX currently shows a balance of {$490.00} and the balance should show {$0.00}. PAID IN FULL!!!! Please look into this matter immediately as this has been an ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: NC

Complaint narrative:
An account for a Line of credit with XXXX XXXX XXXX XXXX was paid in full. A letter was sent FROM the original creditor to the credit reporting agencies XXXX  & Equifax to update and reflect the payoff. They have refused to update the information correctly multiple times and they are still reporting negative information on the credit reports. This is continuing to damage my credit file and action needs to be taken immediately. The LOC account with XXXX currently shows a balance of {$490.00} and the balance should show {$0.00}. PAID IN FULL!!!! Please look into this matter immediately as this has been an ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I legitimately owed XXXX XXXX XXXX, FBO XXXX XXXX FBO of Midland Funding, money from an old XXXX XXXX XXXX purchase. I was served paperwork notifying me of a attempt to seek Judgment against me. Upon receipt I immediately PAID THE DEBT IN FULL. The payment date was XX/XX/XXXX. I paid with two money orders 1. ) {$1000.00} - Money order number XXXX. Was sent to Midland Funding 's attorney on XX/XX/XXXX and cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

2. ) {$700.00} - Money order number XXXX. Was also sent to Midland Funding 's attorney and was cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

Those payments would have paid the account in FULL> Yet they continued to report to the credit agencies that the money was due and as of XX/XX/XXXX they STILL are reporting the funds due. 

Secondly they went to XXXX County Court and sought a Judgment against me, that Judgment was granted on XX/XX/XXXX. They claimed that I did not answer their complaint, another false statement as I answered the complaint and I PAID IN FULL prior to the date they state that I became in default. According to the Judgment I went into default on XX/XX/XXXX. I had paid in full on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: NY

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   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 2020-07-31 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: NY

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX   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 2020-08-01 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: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In a divorce decree the court order states that XXXX XXXX XXXX was awarded the home. He should EITHER refinance or assume the loan in his name only. XXXX XXXX and XXXX XXXX divorced XX/XX/2016. Since then XXXX XXXX changed name back to maiden name XXXX XXXX. I, XXXX XXXX have petitioned the mortgage companies several times throughout the years and it has been a dead end at every attempt. My name is no longer on the deed and yet I can not get my name off of the mortgage. Mr XXXX can not refinance because his credit score does not meet the minimal requirement and yet I a held hostage to a mortgage that I am no longer the owner and my name is not on the deed. Essentially, I am being held hostage to a home that I no longer own. When I present the divorce decree to the mortgage companies it is ignored. They just tell me to refinance which he can not. I can not move on with my life in the purchase of my own home because it affects my credit scores when Mr XXXX is late on a payment, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been having this issue with Experian since XX/XX/2020. The only way to get a free credit report is through the annual credit report website. But here 's the thing, I can't pull my Experian on Experian.com or any other credit monitoring sites. It always seems like they're blocking my request. Called Customer service and she didn't know what was going on. She stated someone will contact me about it in 24 hours. No call or anything. This is NOT right.

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 2020-08-01 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: NC

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I legitimately owed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, money from an old XXXX XXXX XXXX purchase. I was served paperwork notifying me of a attempt to seek Judgment against me. Upon receipt I immediately PAID THE DEBT IN FULL. The payment date was XX/XX/XXXX. I paid with two money orders 1. ) {$1000.00} - Money order number XXXX. Was sent to XXXX XXXX XXXX attorney on XX/XX/XXXX and cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

XXXX. ) {$700.00} - Money order number XXXX. Was also sent to XXXX XXXX XXXX attorney and was cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

Those payments would have paid the account in FULL> Yet they continued to report to the credit agencies that the money was due and as of XX/XX/XXXX they STILL are reporting the funds due. 

Secondly they went to XXXX County Court and sought a Judgment against me, that Judgment was granted on XX/XX/XXXX. They claimed that I did not answer their complaint, another false statement as I answered the complaint and I PAID IN FULL prior to the date they state that I became in default. According to the Judgment I went into default on XX/XX/XXXX. I had paid in full on XX/XX/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 2020-08-01 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: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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