vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, None of the boxes I checked previous to this were particularly accurate, but I wasn't given the option to select what my issue is. 

My issue is with Experian and their credit report and scores. My score has inexplicably dropped 25 points this month, I have logged into my account to see if there is any fraudulent or incorrect information on there and there is not, my account information ( debt, balance available, accounts opened/closed, credit inquiries, negative comments etc ) is all exactly as it should be and exactly what it was the month prior.

It is inexplicable to me how a credit score can drop so steeply without any of the information in the credit report changing - it goes against every piece of information on how credit scores are determined. Because this is so puzzling and nonsensical I have tried repeatedly to contact Experian to have them explain this to me and I can not get an answer from them as to why.

I am fully aware of all the factors that go into a credit score, because non of these factors changes, my score should not have either. It remains in the mid-800 's in other credit companies ( XXXX  & XXXX ) which makes this huge drop with Experian even more nonsensical. 

All I'm asking is ... give me the reasons why my score dropped so that I can challenge it if it is fraudulent, or work on fixing it if it is accurate. But without telling my why, this is impossible to do. 

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
Consumer complaint received 2020-03-30 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove/block the accounts listed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove/block the accounts listed immediately.

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 2020-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit score ( FICO ) went from XXXX in XX/XX/2020 to XXXX in XX/XX/2020. I would like a valid reason why there was a 25 point drop in my credit score since nothing on my credit report has changed from XXXX to XXXX. 

Except for the complaint against Experian I filed in XXXX with the XXXX. 

Trying to contact Experian is a challenge of long waits on the phone only to be relocated to someones mail box. They say a dispute can be completed online only to find out you have to contact them my phone.

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 2020-03-30 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: ONEMAIN FINANCE CORPORATION
State: NJ

Complaint narrative:
After my first complain against OneMain about a Hard Inquiry that I do not recognize, this mention company send me a email ( see attachment ). OneMain offer me to call them again and discuss this issue, Well I had call this company many times already and send dispute letter about this hard inquiry true the 3 mayor reporting agencies. I DONT THINK I NEED TO CALL THIS COMPANY AGAIN .... JUST INVESTIGATE THIS MATTER AND DELETE THIS HARD INQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I can not get them to get back in touch with me. I have called daily and sent emails for 10 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I have had {$100.00} in a TD Bank checking account for multiple years now. The bank will not allow me to close the account nor withdraw my money. I opened the account in XXXX, but currently reside in XXXX   state. The bank insists that I come into a branch personally to close my account, but there are not branches in XXXX state. 

Presently my account has been marked as " inactive '' due to inactivity, preventing me from accessing the funds via debit card or check. I have called both the branch I opened the account with and the national customer service line multiple times without resolution. 

I just want to close the account and have them send me a final check for the balance. 

Thanks for looking into the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/XXXX but they were reporting me as Charge Off from XXXX thru XX/XX/XXXX. I am in the process of closing on a home and because of this my credit score is being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
Good Afternoon, Due to Corona Virus.XXXX XXXX is come to complete Stop. & Most of XXXX XXXX have notified me they will not be able to pay rent. I asked Bank of Hope for suspending my of my loan payment for 3 months. They are stone walling me and asking me for all kind of document on. This is very unprofessional going against federal guidelines. 

please look into it XXXX XXXX Loan # XXXX Loan # XXXX Loan # XXXX Bank Of Hope XXXX XXXX XXXX., XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( 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 2020-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
This was a used auto loan obtained in XX/XX/XXXX with monthly payments of XXXX and a down payment of XXXX dollars. The amount financed XXXX. I paid over XXXX in payments in 50 months and had an accident and total loss of the vehicle and my insurance paid the company another XXXX dollars and they got the totaled vehicle back to repair and sell at auction, and I was told what they sold the car for would be applied to the loan balance still owed. I paid this company a total of about XXXX for a 7-year-old car ( XXXX model ) financed for XXXX in XXXX, and now 5 1/2 years later they are reporting on all 3 of the credit bureaus that this loan was a charged off bad debt of XXXX still owed to them. I'm in shock that loan companies like this one in California are still in existence and trying to get away with fraudulent lender practices in our country with all the laws in place to help protect consumers. I had a XXXX Accord for about 4 1/2 years, that I paid XXXX dollars for that actually cost XXXX and now I have no vehicle and bad credit saying I still owe XXXX on a now 13-year-old car that I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: INTERFIRST MORTGAGE COMPANY
State: CA

Complaint narrative:
I got my identity stolen n my irs  n XXXX XXXX XXXX XXXX  account s stolen havent filled taxes since XXXXn I been in a XXXX  n have proof of it pls help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me.

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 2020-03-30 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me.

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 2020-03-30 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my shoes. I recently logged on and saw unknown, suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: WI

Complaint narrative:
On XXXX I disputed an inaccurate collection on my credit report by sending Transunion a certified letter. ( see attached ) On XX/XX/20 I received a response stating, " After reviewing your dispute request, we found the information you disputed does not currently appear on your Transunion credit report. ( see attached ) This is clearly not factual because on that same day they sent me a credit report with the exact non-factual item listed on my report collection from XXXX XXXX. ( see attached ) I am asking that you make them stop violating my rights, by lying to me and giving me the run around to get inaccurate information removed from my credit report. Attached you will see the verification of my complaint.

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 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
RE ; Mortgage No Relief Option COVID-19 Company - Mr. Cooper NMLS # XXXX  XX/XX/2020 I called Mr. Cooper to relay my situation due to COVID-19 ; I am a XXXX, temporarily laid off. First I wait on hold for about an hour. Once I spoke with someone I explained my situation and they responded the only option I have is a forbearance plan. I asked to speak with a manager, then he answered he's working from home so theres no way to transfer. I asked for a contact of a manager or someone else to speak with, he then answered he can not give me that information. With hopes of an alternative option from the mortgage company I decided to wait a few days. 

XX/XX/2020 Mr. Cooper contact XXXX voice recording stated they are not taking any phone calls at this time and referred to the website. The website is not functioning properly, 'the forbearance application ' is not accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is reporting on my credit report, I have submitted my police report to the credit B. Experian this is the only company that is reporting, XXXX  and XXXX  have removed from my report, Please get this issue fixed for me this is hurting my life and business

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 2020-03-30 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: Nelnet, Inc.
State: CA

Complaint narrative:
reporting inaccurate information based school closure and refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
** I am writing this on XX/XX/2020 at XXXX XXXX - while still on hold. I have spent 145 minutes on hold so far. XXXX This is regarding my Costco Visa card issued by Citibank. I am unable to access my credit card account for the past 48 hours ( since XX/XX/2020 ). 
I tried accessing my account through Citibank 's website and Citibank 's app on my iphone. 
Both channels have been unsuccessful.

I have been on hold for a total of 3 hours and 30 minutes over the past 2 days with no end in sight. Citibank 's error message is outright misleading and false. Their customer support representatives have been blaming browser issues and spouting a bunch of falsehoods and outright lies.

Citibank 's website and app say this is a temporary issue and i should try logging back in in 10-15 minutes. This is outright lies!

Bottomline - i am unable to access or even reset the credentials to my account. This bank needs to be shut down and all the liars and crooks working for them deserve to be thrown in jail.

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 2020-03-30 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: MO

Complaint narrative:
These 2 accounts are fraudulent and I'm demanding that they be removed immediately from my credit file. These accounts are not mines nor do i have any knowledge of them.

1. XXXX XXXX XXXX {$540.00} 2. XXXX XXXX XXXX {$68.00}

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 2020-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: MI

Complaint narrative:
I submitted a complete package on XX/XX/20 for loss mitigation assistance. Called 20x to make sure all was received. It has taken them weeks to get back with me requesting more documentation. Sent in requested documentation only to get a letter back that we dont qualify for any programs. No reason why, just denied on all accounts. We want to save our home and I am now working making more money than I did when I got the mortgage but they will only tell me that now I dont make enough. I am happy to provide them what they need but the communication is horrible with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: NV

Complaint narrative:
transunion and and XXXX has not updated the inquiries on there acct.

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 2020-03-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX  and and experian has not updated the inquiries on there acct.

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 2020-03-30 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: MO

Complaint narrative:
These 2 accounts are fraudulent and I'm demanding that they be removed immediately from my credit file. These accounts are not mines nor do i have any knowledge of them.

1. XXXX XXXX XXXX {$540.00} 2. XXXX XXXX XXXX {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
These 2 accounts are fraudulent and I'm demanding that they be removed immediately from my credit file. These accounts are not mines nor do i have any knowledge of them.

1. XXXX XXXX XXXX {$540.00} 2. XXXX XXXX XXXX {$68.00}

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 2020-03-30 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: FL

Complaint narrative:
I have a list of accounts that show incorrect information on my credit report. I've gone back and forth with the creditor and the bureaus for a while and the problem is still not fixed. I've attached the accounts below. They need to be removed from my account. I listed the reason 's why as well.This has brought much grief and heartache to me and my family, I hope this is we can get this resolved.

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 2020-03-30 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: CA

Complaint narrative:
reporting inaccurate information based school closure and refuse to remove.

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