vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 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: LA

Complaint narrative:
On XXXX, at XXXX XXXX., I contacted Experian regarding information that wasn't and was reported on my credit report. After I requested, I received my credit report from Experian during the week of XXXX. I noticed XXXX a creditor that I have an account with was not reported on this credit report. I request my credit report from all three credit bureaus every 6 months. This is the first time and only time XXXX was not reported on my credit file. I contacted Experian more than three times and was told from multiple agencies the creditor was not reporting the information and to call the creditor and ask them to furnish the information over to the Experian. I had already called XXXX and talked to the Manager name XXXX and reported to him my credit file was not being reported to Experian. I also inquired to Experian about disputing information that was in my credit file as well as adding past home addresses to my credit file. My previous home addresses was removed from my credit file. I have past credit reports with the addresses listed. Experian transferred me over to an agent name XXXX in the fraud department. They stated they couldn't add addresses to my credit file nor were they able to do anything about XXXX missing from my file. They didn't even mark my file as fraud. The last XXXX male I talked to didn't seem to want to talk to me. He had a very unpleasant attitude. Nothing was resolved with Experian. They are trying to sell Identity Theft monitoring more than protecting a consumers credit file.

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 2021-01-27 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
After submitting my initial Complaint ( ID # XXXX ), I reached out to XXXX  on Monday XX/XX/21 in two separate emails, stating the following : # 1 Im on Social Security and no longer obligated to pay, if delinquent, on a co-signed Student Loan.

Please contact the 3 Credit Bureaus and have XXXX ( a private Student Loan lender ) account removed from my file as soon as possible. Im trying to get a refi loan that was denied, I believe, because of XXXX. 

Thank you for your expedited movement on this request. 

# 2 SSI payments can not be levied or garnished. Treasury 's Financial Management Service can also offset, or reduce, your Social Security benefits to collect delinquent debts owed to other Federal agencies, such as student loans owed to the Department of Education. ( XXXX is a Private Lender ) Generally, debt collectors can't take Social Security or VA benefits directly out of your bank account or prepaid card. 

Their response was : Weve received your inquiry. One of our knowledgeable specialists will review your account and respond shortly. 

There response came to CFPB as a no or rejection, that did not deal with this issue at all. 

Although in submitted Feedback, Im told it would go to XXXX, but they are not obligated to response to that form of communication.

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 2021-01-27 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: AZ

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-27 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Several years ago I defaulted on a loan with Tower Loan @ XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX. The default was due to losing my job. In XXXX of XXXX I contacted this company to obtain the amount owed as I wanted to pay them. I was quoted an amount that was significantly higher ( more than double ) than what was recorded on my credit report. I could not afford to pay the large amount at that time, so I did not take any further action. Later in XX/XX/XXXX, I noticed an inquiry from Tower Loan on my XXXX XXXX and XXXX credit reports although I had not applied for credit with this company. At that time I called the company to ask about the inquiry and I was told by the manager that they have a right to check my credit because I still owe them. 
In XXXX of XXXX I was sued by Tower Loan and my wages garnished to pay the debt. Since that time payments have gone to Tower Loan uninterrupted from my paycheck. 
On XX/XX/XXXX I noticed another hard credit inquiry from Tower Loan although I have NOT APPLIED for credit with them. I called the office the next day and spoke with " XXXX '' who identified himself as the Manager. I asked him about the recent inquiry and he stated as follows : " Yes I made the inquiry, It was a mistake. We have the right to check your credit every 30 days, but I am working to get it removed ok. Okay, have a good day, bye bye. '' after saying his piece he hung up the phone although I was trying to speak. 
I am very concerned as to why Tower Loan is still able to make Hard Inquiries on my credit even though they have sued me and I am paying and fulfilling my end of the agreement. Regardless of my efforts they continue to haunt me. Is this legal? Can they check my credit " when they feel like it? '' Is this an infringement of my privacy? What can be done to stop them and remove the inquiries?

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 2021-01-27 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: TX

Complaint narrative:
Equifax continues to allow XXXX XXXX XXXX to report incorrect information to my consumer file. This entire balance on this account was paid off on the XXXX XXXX of 2020. Recently XXXX had a collection agency attempt to collect payment from me. The collection agency, XXXX XXXX has now closed the file in their office and returned it to XXXX Because the account was paid off. XXXX XXXX did the right thing. Equifax has an obligation to ensure that only accurate information is being reported. 

XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

Recently in doing some research on the student loans in my name that are being serviced by Fed Loan Servicing. I learned that the loans are for a school by the name of XXXXXXXX XXXX XXXXXXXX. I never signed an enrollment agreement with XXXXXXXX XXXX XXXXXXXX nor did I ever sign or agree to become a former student of XXXX XXXX. This seems like fraud to me. I do not wish to be associated with XXXX XXXX and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX XXXX in my name. I never agreed to this. I am requesting XXXX XXXX XXXXXXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Fed Loan Servicing has the right to pursue loan payment from me for the school XXXX XXXX XXXXXXXX. I do not wish to be affiliated with XXXXXXXX XXXX XXXXXXXX. I never agreed to any enrollment or loans with XXXX XXXX. Therefore Fed Loan Servicing must substantiate seeking loans associated with XXXX from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX credit card debt total of {$1400.00}. 
They were transfered to a collection company called NAR ( North American Recovery ). I recently paid the amount in full on Friday the XXXX of XXXX. I called and requested a letter of confirmation of payment made by the collection agency but they failed to do so. They told me to call the original credit company XXXXXXXX XXXX  but was asked to give NAR a call back since they were dealing with the debt collection. They took me back and forth and nothing was resolved. They failed to send me a confirmation letter confirming that I have paid the debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: LEXISNEXIS
State: TX

Complaint narrative:
I requested via First Class US Mail a copy of my Full File ( Consumer Report Disclosure ) and my credit score as I was told by XXXX XXXX XXXX that you provided them with credit information on me and enclosed a copy of their correspondence and to date ( over thirty days to obtain a report ) I have not received a reply from them.

In my conclusion LexisNexis behavior is willful and they have failed to abide by the FCRA and under the FCRA : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I purchased my home in XX/XX/XXXX, and upon completion my load was sold to Dovenmuehle Mtg. In XXXX they sold my loan to XXXX. Within the first 30 days XXXX notified me they had not received my XXXX payment, as it was sent to Dovenmuehle. Upon reaching out it was corrected, BUT THEN I was hit with a escrow shortage. I am not sure how that is possible in the first year of owning a home, but I called to find out Dovenmuehle claims to of sent me a escrow overage XX/XX/XXXX. I never received such check but was informed I would need to call them. I called XX/XX/XXXX to be told they needed 2-3 business days to research and then I WOULD HAVE TO CALL BACK. So I reached out XX/XX/XXXX to ask what was discovered. I was told that they would need to issue a new check and that would take 3-5 business days. I called XX/XX/XXXX to be told a check would be mailed out and it would take 7-10 days for me to receive. Due to the holidays and the plandemic I gave it some extra time. I called again XX/XX/XXXX to be told they do not know where my check was and that they would need to escalate my issue and someone would contact me within 3-5 business days. Here we are 8 days later and I am now being told that they can not do anything to help me for 30 days. And there is nobody to speak with, that I can leave a VM for a supervisor. They are harboring money, and owe me {$890.00} and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX bank shows 3 paid off accounts at times as paid off satisfactorily ( correct ), and at times as closed delinquent ( incorrect )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX  shows 3 paid off accounts at times as paid off satisfactorily ( correct ), and at times as closed delinquent ( incorrect )

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
The syncb car credit card is not mine I have no ever used this card nor did I sign up for 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 non-monetary relief
Consumer complaint received 2021-01-27 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act. 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). You are required by federal and state laws to verify thought the physical verification of the original signed consumer contract.Under FCRA, unverified accounts must be removed and if you unable to provide me with a copy of verifiable proof. 

XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX Account XXXX XXXX XXXX I was never Late XXXX XXXX XXXX XXXX Unverified Account these inquiries to avoid any confusion as I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. 

XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
To whom it may concern, We are writing this letter in response to the trial modification that has been proposed. Based on the information given with the calculations in place this file should have been considered quite differently. We have not as of this day, received an explanation as to how the calculations have been calculated. The income Gross total is {$12000.00} the total Net income is {$12000.00}. The total PITI payment on this loan is {$7900.00} which gives us a HTI of 65 %. The question remains, how are we supposed to make a payment that is more than the current only to increase the HTI to a high 70 %. ( Please see submission with Loan Restructure Proposal attachment ) We feel as if they have been bullied into accepting the trial modification for fear of losing their home to foreclosure. We have lost a considerable amount of income due to Covid19 when we had to close their business. The business is still not on track and not producing the income to support more than what is being made to put back into the business to keep the doors open. At this time we are requesting the calculations that the underwriter used to calculate this trial agreement. In addition, the property evaluation came in at between $ XXXX {$910000.00} ( please see XXXX attachment ) the surrounding homes in the comps are distinctly less Valued. We are concerned that the evaluation was wrongfully appraised for the lenders benefit. 
Please review the attached documents showing the actual income and DTI/HTI. We are looking for explanations that allow for a 2nd look at the numbers that were calculate and come to a more favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Hello, my name is XXXX XXXX. I recently refinanced my home in XXXX and have a new mortgage with citzen one home loans. The issue I am having is they are charging me double monthly in property tax. A county and city tax at an equal amount. Making it double. I have documents on this which you will see below. Also where they hide it and just double the city tax eliminating the county ... 
I have called a dozen times with the same response and terrible customer service. The answer I received was I have to pay that XXXX dollar difference monthly And wAit for the annual escrow analysis to come out to receive the difference. I am not equipped financially to do this. I work as a frontline XXXX XXXX at XXXX XXXX  in the XXXX XXXX. I refinanced to save money to get by not pay more!!!! I am getting no where with them and need help. Thank you in advance- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Credit Card Debt FRAUD from Best Buy purchased by XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX ( Judgement or Decree ) I am trying to refinance current home. 
Title agency pulled my social security number and said it NEEDS to be resolved in order to complete the refinance. 

They are Trying to collect a debt from myself that does NOT belong to me. 
FRAUD alert. 

Case # XXXX Amount of {$3200.00} They are requesting payment in full.

Address is INCORRECT. Never lived at referenced address.

Date of Birth INCORRECT. 

XXXX XXXX XXXX XXXX dated XX/XX/2019

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 2021-01-27 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: AL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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