vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: VA

Complaint narrative:
My mortgage lender requested my credit report from Equifax, XXXX  and XXXX XXXX via Equifax Mortgage Solutions. Equifax Mortgage Solutions collected my credit report from XXXX  and reported it to me in a document called " Credit Score Disclosure '' and to my lender. The disclosure indicated that my XXXX  Credit score was XXXX and that 4 key factors were adversely affecting my score including : " 12 length of time revolving accounts have been established, 01 amount owed on accounts is too high, 14 length of time accounts have been established, and 10 ratio of balance to limit on bank revolving or other rev accts too high. '' After receiving this disclosure we requested a copy of my credit report from XXXX. My XXXX  report listed only 1 revolving credit account with a low balance, and a note on that account indicating that the balance was " low '' - not " too high. '' There was no revolving account on the report with a high balance. We contacted XXXX  to ask them why they reported different information to us than they reported to Equifax Mortgage Solutions. XXXX  told us twice in two different phone calls that they did not make those comments about my revolving account balance and that we needed to discuss the matter with Equifax Mortgage Solutions - and in fact my report from XXXX  says I " have no negative factor impacting [ my ] score. '' XXXX  said that they did not report that the account balance is too high, they explained to me that Equifax Mortgage Solutions derive their own conclusions from the information they received from XXXX. Next I called Equifax Mortgage Solutions, they said that I can not dispute these comments with them, that I need to contact XXXX. XXXX  is asserting that they did not provide any negative comments. The net result of this is that my credit score which Equifax Mortgage Solutions reported to my lender is lower, there are inaccurate comments about my accounts that are adversely affecting my score - and neither Equifax Mortgage Solutions nor XXXX  are taking responsibility. In fact these two companies are refusing to let me dispute this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX have put two separate debts with a collection agency, thus negatively affecting my credit. 
Neither of these accounts refer to me, I have never lived at the addresses, or indeed in the states referenced. 
I have been unable to contact either company, who seem to be expert at dodging calls. 
I have filed a police report stating XXXX, which I have sent to the credit reporting companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX have put two separate debts with a collection agency, thus negatively affecting my credit. 
Neither of these accounts refer to me, I have never lived at the addresses, or indeed in the states referenced. 
I have been unable to contact either company, who seem to be expert at dodging calls. 
I have filed a police report stating XXXX, which I have sent to the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NV

Complaint narrative:
CLOSE MY ACCOUNT WITH DISCOVER SECURE CARD MADE A XXXX SECURE DEPOSIT NEVER USE THE CARD AND CANCEL IT NOW ITS BEEN A OVER A MONTH AND NOW THEY ARE TELLING ME ITS GOING TO TAKE ANOTHER MONTH BEFORE THEY SEEN MY MONEY BACK TO ME

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20 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: TX

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME CLEARING THINGS UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2020, it was reported that XXXX XXXX XXXX had closed my account and then added a note. This is reported on my credit report and it is incorrect. My account is active and open. I have ten payments until my lease is over. My next scheduled payment is XX/XX/2020. Also, a note was added which I am not able to see, but on my report, it shows my payment for XXXX is " unknown '' but for XXXX and XXXX its current. This needs to be corrected immediately. I made two full payments for the month of XXXX which is why my next payment is not until XXXX. This is a lazy example of XXXX XXXX inputting wrong data and not verifying nor double-checking. 

My payments for XXXX, XXXX, and XXXX were deferred but I made payments on XX/XX/2020, for {$350.00} and on XX/XX/2020, for {$770.00}. My statement for XXXX had a balance of {$0.00} and my next payment is XX/XX/2020 for {$770.00}

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 2020-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennyMac Loan Services reached out to me in early XX/XX/2019 to refinance my house in Florida. I proceeded with the refinance letting them know that my job ( The XXXX XXXX ) would take me to XXXX  soon and I would be no longer living in XXXX. PennyMac also told me that my now wife 's name had to be added to the mortgage. It took them four months to close on this refinance due to their constant mistakes such as : Scheduling a notary for signing and then forgetting to get a notary. 
Misspelling my wife 's name multiple times, refusing to fix the paperwork and having us sign anyways. 
They also had me sign as this being my primary residents after knowing that I would be moving and renting out the property. 
The military moved me out to XXXX  so that I could be stationed with my wife, I rented out the house in XXXX  and planned to buy one in XXXX  with my wife as our primary residence. A week before we closed with the loan company XXXX XXXX who have been nothing but helpful, we were told that I couldn't be on the loan since PennyMac listed my XXXX  house as my primary residence. I called PennyMac right away and requested an Owner Occupancy Waiver. The company I am taking my XXXX  loan out through has seen this before from PennyMac and that it can be fixed with an Owner Occupancy Waiver which PennyMac has given out before to veterans in my same situation. After hours of calling PennyMac every day starting on XXXX PennyMac denied my request with no reason given. Due to COVID19 me and my wife had to schedule our vacation days weeks in advance to be used for our moving day which has come and passed due to PennyMac. PennyMac has potentially left us without the ability to buy a house due to them having me listed as a primary resident and refusing to fix it. I can't even begin to describe how much stress this company has caused me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX XXXX sold our loan to BB & T effective XX/XX/XXXX. Our regular payment amount was XXXX and we always pay {$700.00} XXXX XXXX XXXX  voucher had a place to designate the additional payment to principal. BB & T does not have a place on the voucher to designate addt'l payment so we just write it on the voucher. They apply this amount to interest. In XXXX they did not receive our payment ck # XXXX, I was alerted by a collection call, so I wrote another check # XXXX XX/XX/XXXX for {$700.00}. They received it and applied it as {$400.00}, so I received another collection call. I had my bank research it and they told me it had been made for {$700.00} and they credited my statement for {$400.00} and charged me {$700.00}. I told XXXX at BB & T XXXX and sent her a copy of my statement. Then I asked her if she had received ck # XXXX dated XX/XX/XXXX for {$700.00} she said I needed to send her a copy of it front and back so I did. We have also written ck # XXXX XX/XX/XXXX for {$700.00} which has not cleared yet. Since they have not received the correction for ck # XXXX dtd XX/XX/XXXX I made a phone payment of {$210.00} on XX/XX/XXXX. I have been told by XXXX XXXX XXXX if you make your payment by check with a voucher you can not designate the additional payment to principal, only over the phone or online. When they receive the correction for {$300.00} I believe they are going to apply this to interest and I do not have any way to stop them from doing 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 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: VA

Complaint narrative:
On my XXXX  & Equifax reports for the XXXX XXXX XXXX XXXX ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I had a loan through XXXX XXXX, on a new XXXX  XXXX. XXXX was paid off in XXXX-XXXX. At this time the bank was going through a buy out, Now is Santander Bank.I have never received my Lien Release. I have called, I have sent faxes. No response, no lien release. I have since sold the car, I need my lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Due to Covid 19 I didnt get a chance to go to court The car was supposed to be under bankruptcy In my wife name XXXX XXXX They reposed the car and I need some assistance please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: TX

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME CLEARING THINGS UP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: TX

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME CLEARING THINGS UP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: MI

Complaint narrative:
Experian will not accept my dispute to XXXX XXXX. Theres no account number it shows all XXXX. Im not even sure if its mine at this point. The date they claim it was opened is the same date they started reported 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 explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Nelnet, Inc.
State: VA

Complaint narrative:
On my XXXX & XXXX  reports for the Nelnet Direct Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: FL

Complaint narrative:
Hello This Report is Inform these Companies that I did not Authorize any of these Accounts this is all fraud accounts I never had any Business with these Companies someone used my identity with out my Knowledge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a savings account for my XXXX year old with TD Bank in XXXX in XXXX. Ever since the account has been opened, I have not received a single communication from TD. I called in XX/XX/XXXX to inquire about the account and they told me it was inactive and that in order to activate it, I have to process a transaction. I went in and made a deposit. I asked for a statement and they were not able to give me one. They instructed me to sign up for online banking. I tried signing up for online access but their site would not accept my credentials. I tried few times after to no avail. I called them in XX/XX/XXXX and requested either an ATM card or a bank statement so I can have some sort of record. The rep informed me after verifying my identity for 15 minutes that she can't release any information since the account is now inactive. I asked to speak to a supervisor and she would not put me through to one. I finally asked her to mail or email an inactivity notice and she also refused saying that she could not do that for an inactive account. After arguing with her for some time, she finally agreed to send the notice. She verified my information again and said that I should receive the notice in 10 days. It's been a month and I have not received anything, and I have no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation