vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 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: LA

Complaint narrative:
first of all, someone put an active duty fraud alert on my report. I have never been to the military. Secondly, I have a hard inquiry from XXXX I haven't applied to them since the first time which was XX/XX/2021. They denied me then so why would I try again knowing it would hurt me and my problem is XXXX has phone numbers to call but you only talk to an automated system which is why I am submitting this complaint to you. Pursuant to 15 U.S. Code 1681b ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX TRANSUNION, and XXXX any written consent to report or furnish anything on my consumer report. No consent is identity theft.

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 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi Capital one office of the president ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX AND XX/XX/2021 and during last year during the pandemic. Do you mark people during global pandemic? 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: FL

Complaint narrative:
Corrected wrong account with Experian Monday XXXX XXXX XXXX Paid XX/XX/XXXX not reflected. Tell me 30 days while I am held hostage with a credit score of XXXX 2 Learn more Experian Data XX/XX/2021 XXXX XXXX XXXX and debt to income wrong. XXXX sent a alleged repaired report which was NOT and still wrong and all three continue to have outdated and wrong information they provide to third parties and you the CFPB do nothing! Meanwhile held hostage because updating not real time impacting our ability to borrow and causing usurious rates.

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 2021-06-17 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: TN

Complaint narrative:
To all parties involved I have sent requests to these companies listed and have not received any responses. This is very unprofessional and I feel as if my situation has not been addressed properly. I notified these companies that the accounts listed are not mine ; I have been ignored and at 63 days after the fact they must be removed. Again these companies have failed to supply proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. Again I have reached out and gave a sufficient amount of time for them to rectify this situation and I have not gotten any responses yet. Unfortunately my information was also compromised by the XXXX  Data Breach. Thank you for your assistance in this matter.

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 2021-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am currently in a COVID forbearance ( under the CARES Act ) which is due to end soon. In trying to understand my options for when my forbearance ends, I am having difficulty getting a clear answer from my mortgage servicer, Mr. Cooper ( formerly NationStar ). 

The only options they are offering me is to pay the lump sum of total payments missed during the forbearance or go through a loan modification which is what I do NOT want to do or go through. 

I do not understand why they will not offer me a COVID-19 Payment Deferral option which was my understanding at the time I took my forbearance would be an available option. 

This option does not come up on their portal, so when I call, I am told that option does not come up for them. Then they tell me to contact their escalations department. When I do that, I still do not get an answer as to WHY I am not being offered this option. I feel this is EXTREMELY UNFAIR as I was told this would be available for me at the end of the forbearance. I am simply asking for an explanation why my account is not eligible for a deferral and have not been told why. I feel this is their way of making yet another money grab off of missed payments that were covered under the XXXXARES Act. Under the law, I do not have to pay interest on those missed payments, yet they are forcing me to do a loan modification. And in fact, every month during my forbearance, I did make partial payments. 

I'm hoping maybe you could assist with getting me an explanation as to why they simply can not defer the amount to the end of my loan? I am not sure this is even legal under the CARES Act. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC
State: AZ

Complaint narrative:
On XX/XX/2021 I requested by phone that Mountain Run Solutions provide me proof of debt to support the derogatory collection they placed on my XXXX  credit report. 

I filed a complaint with the XXXX XXXX disputing the debt and asked once again for proof, On XX/XX/2021 they once again refused to provide this information to me saying it was my responsibility to obtain it. 

Under Federal law they are required to send me proof of a debt and they failed to do so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 am writing because I recently came out of bankruptcy and there are still companies reporting on my report that should have been taken off and they are still harassing me. I sent the bureaus letters over 2 months ago and still have not received any information from them or an update on whats going on. I want these accounts removed because its been over 2 months and I never authorized any furnishers to report on my accounts. I will definitely be seeking litigation if this can not be corrected because this is straight violation and negligence on the bureaus part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
Hi AMERICAN HONDA FINANCE ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2020 XXXX for 30-days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: GA

Complaint narrative:
On XX/XX/2021 I mailed letters to the XXXX, XXXX and Transunion about innacurate information reporting on my credit reports and I have recieved no response, they are supposed to respond back within 30 days and they have all failed to do so. This is causing me so much stress and keeping me up at night. Please help

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 2021-06-17 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 have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 and XX/XX/2021. 

Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! 

I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. 

The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On the last complaint I submitted, I explained that I sent 2 letters with XX/XX/XXXX being the last date I sent a letter to the bureaus regarding this collections account that does NOT belong to me. Not only have I called in several times about the account, but I've called numerous amount of times as well! It's been well OVER 60 days now. In the next 60 days, how do I know the bureaus won't say this again? It's a stall tactic and preventing me from being able to obtain the credit I am eligible for!! I do not understand how an account that again does NOT belong to me is being reported.The credit bureaus are in violation of my rights per FCRA. This is false reporting and negilgent of the bureaus and collector. I will not tolerate being overlooked and undermined about a serious matter. The bureaus WILL be hearing from my legal team to pursuit remedy and litigation from both the collector and bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I cancelled my service with XXXX back in XXXX of XXXX due to the horrible experience, customer service, and billing errors on my account, mainly due to the fact I was also moving to an apartment that didn't take XXXX. XXXX XXXX charged me multiple fees on my account that shouldn't had been such as two early termination fees on the dates of XX/XX/XXXX and XX/XX/XXXX along with unreturned equipment fees on XX/XX/XXXX in the amount of {$390.00}. In around XXXX I started received calls from a 3rd party collections company stating I owed them a balance and I notified them that I was in dispute with XXXX about the billing errors on my account and that I don't owe anything I've already paid my balance which included the 1 early termination fee of {$210.00} equal to a total final payment of {$560.00}. However, XXXX continued to charge me a total of {$1100.00}, I contacted XXXX multiple times between XXXX and XXXX when they sent me my final statements to let them know they were charging me incorrectly and that I had already returned all equipment when i cancelled service in XXXX and that they double billed me for two early terminations in XXXX, they then advised me they would adjust the charges and notate the account and that it would be updated in 24 hours of our call. Well that didn't happen they only adjusted the returned equipment fees for the {$390.00}. They then sent my account to a third party collection again for the balance of {$770.00} that I did not owe. I called XXXX today about the situation for the 5th time because it was reported to my credit on XX/XX/XXXX that I owed a balance which is inaccurate information! I had already paid my debt to XXXX back in end of XXXX beginning of XXXX for {$560.00}. They proceeded to still sent me to a 3rd party collection and have them report negatively to my credit for a debt I did not owe! I want this removed from my credit and for them to stop harassing me about a debt I don't owe when I have been calling every month about this balance they keep telling me they removed already. So just as reference I called again today and they told me they removed the {$210.00} AGAIN and gave me a ticket # XXXX or it might be # XXXX and they told me the debt would be removed and I don't owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On the last complaint I submitted, I explained that I sent 2 letters with XX/XX/XXXX being the last date I sent a letter to the bureaus regarding this collections account that does NOT belong to me. Not only have I called in several times about the account, but I've called numerous amount of times as well! It's been well OVER 60 days now. In the next 60 days, how do I know the bureaus won't say this again? It's a stall tactic and preventing me from being able to obtain the credit I am eligible for!! I do not understand how an account that again does NOT belong to me is being reported.The credit bureaus are in violation of my rights per FCRA. This is false reporting and negilgent of the bureaus and collector. I will not tolerate being overlooked and undermined about a serious matter. The bureaus WILL be hearing from my legal team to pursuit remedy and litigation from both the collector and bureaus!

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 2021-06-17 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 — Investigation took more than 30 days
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
On the last complaint I submitted, I explained that I sent 2 letters with XX/XX/XXXX being the last date I sent a letter to the bureaus regarding this collections account that does NOT belong to me. Not only have I called in several times about the account, but I've called numerous amount of times as well! It's been well OVER 60 days now. In the next 60 days, how do I know the bureaus won't say this again? It's a stall tactic and preventing me from being able to obtain the credit I am eligible for!! I do not understand how an account that again does NOT belong to me is being reported.The credit bureaus are in violation of my rights per FCRA. This is false reporting and negilgent of the bureaus and collector. I will not tolerate being overlooked and undermined about a serious matter. The bureaus WILL be hearing from my legal team to pursuit remedy and litigation from both the collector and bureaus!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My card was taken and used by someone. It couldve been my ex wife or someone else. However I have proof from capital one that the incorrect PIN number was entered multiple times. I filed a police report also. I also went to the capital one bank and the manager pulled up the video surveillance system and confirmed it was not me they withdrew the money and also that the incorrect PIN number was entered multiple times. So there is multiple types of proof of fraud. The first unauthorized transactions were back to back withdrawals of XXXX XXXX then another XXXXXXXX XXXX then another XXXXXXXX XXXX all at the same time. Then they went to XXXX XXXX and spent {$2300.00}. Then XXXX and spent over XXXX XXXX And then they withdrew even more money after that. So theres video surveillance proof of fraud and theres the incorrect PIN number entered multiple times. I reported the unauthorized charges within 1 business day of them happening. However even with the video proof and incorrect PIN number entered capital one denied giving me my Money back and they are holding me liable. The manager at the capital one bank was very nice and he was shocked that the main capital one office denied me getting this money back because of the video surveillance proof we saw. I attatched the police report and I attached the denial email from capital one saying that they didnt find a error. Which is not true. There was a error. The PIN number was entered incorrectly the first few times. And theres video surveillance proof of fraud. I attached a email from capital one with the exact claim # s for this fraud. 
Please help me get this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
This is hard to describe, but this best I can do. I watch my XXXX  report. I am a XXXX, not XXXX. 
I am relocating from XXXX  to XXXX. An XXXX  rward card would help. 2-3 weeks ago, XXXX  reported I had one hard inquiriry. 
I applied to XXXX and XXXX and was denied due to excessive inquiries - all of a sudden 9. 
I also got a notice with the wrong address stating I was denied for a loan. It had the wrong address on it and I have no recollection of applying. And why would I. I am happy with my XXXX XXXX and Bank account. 
People dont answer the phone and I can not delay patients to to sit on hold. It is XXXX and I havent slept. 
I know have been defrauded by XXXX, but have no meaningful resolution process. I get denied for a purchase I did not have a meeting of the minds with and I never received. They refused to contact vendor, the obvious solution. They also approved a transaction flagged as fraud by XXXX XXXX, which I am not stupid enough to ingnore and reply to XXXX. 
I have a time issue due to working long hours, plus my relocation is in danger. As a XXXX XXXX during Covid, this seems quite unprofessional. I reach out ot you as 1 ) Inquiriry count is wrong 2 ) fraqudulant charges 3 ) lack of response by credit agencies and issuers 4 ) inability to persit due to time limitations 5 ) Risking poverty due to not being able to fulfillobligtions due to these errors. 

I dont know where else to reach out I the consquence become serious in a week or two.. 
I thank you for any help you can supply and getting these complaints on the record. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Corrected wrong account with XXXX Monday XXXX XXXX Auto Paid XX/XX/XXXX not reflected. Tell me 30 days while I am held XXXX with a credit score of XXXX 2 Learn more XXXX  Data XX/XX/2021 XXXX Fair XXXX and debt to income wrong. Transunion sent a alleged repaired report which was NOT and still wrong and all three continue to have outdated and wrong information they provide to third parties and you the CFPB do nothing! Meanwhile held XXXX because updating not real time impacting our ability to borrow and causing usurious rates.

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