vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXXPLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).  You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-07-10 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: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern XXXX XXXXXXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).  You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I previously used XXXX XXXX  as my auto insurance provider. I contacted this company and canceled coverage due to their high costs, and notified them over the phone. The amount of insurance paid was always deducted monthly through ACH payment, and after this was canceled the payment stopped being deducted and I should not of owed any additional money. However this company is stating that the policy was not canceled and they continued billing me until XX/XX/18 and are stating that I owe them {$1700.00}. This is fraudulent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-07-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX we closed 2 transactions where the seller had a first mortgage with XXXX XXXX and then a second mortgage was recorded for the exact amount to Secretary of Housing. They are assigned to Nationstar Mortgage and then assigned to XXXX XXXX. They are in essence placing a double lien on the person 's property although they have only one mortgage. I understand these are reverse mortgage 's but XXXX Mortgage/XXXX XXXX  have been paid off months ago and they do not prepare and file a release. We have a lender that has been asking for their final policy for 3 months now. We have called everyone including Secretary of Housing, XXXX, Nationstar, XXXX XXXX to no avail. This is ridiculous and I thought RESPA said they needed to file a release within 30 days of being paid off? If this is something you can help us with please feel free to contact me for more information and proof. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vital Solutions, Inc.
State: TX

Complaint narrative:
Robo phone message. Called back phone number supplied and no one answered. Have been receiving these calls 4 times a day. When I answer the phone no one is on the line. They continue to tie up my phone line for several minutes with no one answering. 
I do not know who Vital Recovery is and have no outstanding debts to anyone. 
Their number supplied to me was XXXX. This has been going on for several months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX has tried to collect the amount of XXXX dollars from me. I havent defaulted on any bill or statement in a few years. they hit my credit for that amount 3 time in just one month. the dates are XX/XX/2018, XX/XX/2018, XX/XX/2018 they are all for the same amount XX/XX/18 and XX/XX/2018 are both on my XXXX the XX/XX/2018 is on my XXXX. i have never even heard of this company before.

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 2018-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion, XXXX XXXX XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-07-10 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC
State: CA

Complaint narrative:
Hello, I want to address an issue I had with XXXX mortgage company ( finance if America ) and my loan agent. When I started the process of finding a loan, the loan agent was extremely accessible and professional. However, once I had my loan rate locked in, problems started arising. The loan agent became extremely rude and difficult to get a hold of. He kept telling my realtor via email that he is in a meeting or training and never returned mine or my realtors calls. I was told 3 days before the close of escrow that my loan will not be approved since I did not make enough money last year, due to being on XXXX XXXX. The loan agent told me he has to add points to approve my loan, which was an additional {$1700.00} that I did not anticipate paying. This also delayed my escrow and I closed late.

I do not understand how this happened, as I had sent all my documentation and income statements before I signed the original loan rate contract. This should have been verified from day one, not 3 days before close of escrow. At that point, it was to late to change mortgage companies.

When I find out they were changing my locked rate 3 days before close of escrow, I was so disappointed, I emailed the loan agent and demanded to speak to his supervisor. The loan agent told me that he forwarded my email to his supervisor and if his supervisor chooses to call me back, then he will. I of course never heard back from any supervisor.

The tactics used were unethical and unprofessional. They forced me into a situation that left me with no options. Either accept the terms or lose my {$17000.00} deposit and then not have an immediate home for me and my XXXX children. I did my research and this mortgage company had good ratings. However, my loan agent used substandard practices with deceptive techniques. This company reduced my chances of acquiring a new home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10 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: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I realized I was a victim of identity theft when I received notification on my credit report that HSBC pulled my personal credit in XX/XX/2018. Then it began reporting a 'new ' credit card with HSBC XXXX I did not contact HSBC to open up this account. While doing research and calling HSBC I found out that the perpetrator not only called to apply for this card with my personal information but that he also went to the post office and changed my address to his personal address in order to receive my mail at his residence. I don't know this perpetrator is, and have placed a fraud alert on my credit reports. I also went to my local police department and I filed a id theft police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: AES/PHEAA
State: PA

Complaint narrative:
I have recently tried to apply for a home loan. My lender advised that AES and XXXX XXXX  has reported that I was late on my payment from XX/XX/2015-XX/XX/2015. When XXXX   with student assist called the loan company she was adobes I never shld have been reported as late because I was on forbearance as my loan was being transferred from AES to XXXX XXXX. The home lender advised bc of it showing late even that long ago it affecting my credit report in a negative way. I tried to contact XXXX XXXX to get this resolved and the lady I spoke to wouldnt even let me explain the issue nor would she even pull up my account to assist me in fixing what is THEIR mistake!! She advised i had to submit a form so they could investigate and even then it could take them at least 30 days??? Unacceptable. I have never been late with a school loan payment and its not right its impacting me because of a mistake they have made. I did advise th rep that I would be filing a complaint with you and she stated thats fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: FL

Complaint narrative:
I made payment for outstanding parking balances owed on XX/XX/2018 through the website XXXX. The amount I paid was {$87.00}. This company just contacted me stating that I owe {$65.00} for parking ticket on XX/XX/18 that was included in amount I paid for {$87.00} on XX/XX/18. When I called to verify this with the company, they were very confused and said in their system it showed that I owe over {$300.00}. This is fraudulent debt and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a VA home mortgage with XXXX XXXX that began XXXX. Sometime in XXXX my wife filed a bankruptcy that included only things that she owned alone. Our home in which we live was never a part of the loan, and XXXX XXXX   was assured that when they reached out to us after my wife filed. I am the Borrower, and my wife was the co-borrower. I did not know that XXXX XXXX   would stop reporting on my credit report or my wife 's. I was never told this, and upon them finding out about the bankruptcy, XXXX XXXX  reached out to us and we adamantly told them that our home was not part of the bankruptcy, but it was never implied, or told to us that they would no longer report our payments on our credit report. I was not a part of the bankruptcy and had no idea I would have this happen to me. My name is not on the bankruptcy file and I do not have a bankruptcy on my credit report. All of this came to light because I tried to refinance to obtain equity from my home, and found that I do not have a history of owning a home. In XX/XX/XXXX I did a refinance to adjust the interest rate from 5 % to 4.5 %. On my credit report, it established that I had the home for a year ( showing the refi ). But nothing after that. I filed a Dispute with experian and they came back removing the loan from my report altogether. I disputed through experian again and heard nothing, so I called. That is when it was explained that XXXX XXXX  told them to remove the entire loan from my credit report altogether. I contacted XXXX XXXX, and they explained it was their policy that if anyone on the loan filed bankruptcy they will no longer report to the credit bureaus. I explained I was not part of the bankruptcy and that we never stopped paying for our home, and never ever late. I was told it did not matter that was their policy and that they will not report on any payments we have made in the past or any payments we make in the future. So I own a home and pay for it timely, but I my credit report will not ever show this. They said their policy states they will no longer report any payments. I was told because my wife used the address in which we live, that it was included in the bankruptcy, but when questioned about that, ( because my home was " not '' part of the bankruptcy ) the representative stated " I never said it was part of the bankruptcy, but our policy states we will no longer report when one of the borrowers files for bankruptcy ''. I feel it is unfair that the 9 years and counting of good credit history can not be reported on my credit 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