vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 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: GA

Complaint narrative:
XXXX in 2015 say I owe them {$2400.00}. Id Like to first point out that the furnisher of the information is unreliable. I would also like to add that I have tryed many times with them and the credit bureau to resolve this but XXXX has Updated there info to match from my info I sent in to XXXX  and transUnion proving my name is incorrect and Birth year was incorrect. Many attempts to get them to remove a fraudulent charge has taken place even sending certified letters asking for information as to HOW they came to that conclusion but XXXX  and TransUnion refuse to acknowledge my letters by certified mail. XXXX  has already removed the account long ago but XXXX and TransUnion refuse to do so and refuse to answer my letters with my evidence of such that THEY gave to XXXX and XXXX changed the information to match I assume but NO contract and NO avail to correct this problem but they do keep updating there content on XXXX  and TransUnion. I have spoken to XXXX back in 2015 and had closed an account with them on good standing but then they placed this charge and said I owe for phones in Indiana in which I have NO knowledge of and argued the point many times to no avail. Never been to Indiana. No Family there Either so Fraudulent charges by XXXX. Please help me resolve this issue once and for all. 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 2020-11-19 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a 30 yrs loan with 5 yreas fix then as of XX/XX/XXXX was changing to adjustable rate with rate much higher like 5.5 %. Therefore I applied on XX/XX/XXXX for loan modification. That time my XXXX was XXXX & I was plan to either modifying my loan because fed rate was 2 %. I filed for modification filed application & provided all requested documents to my lender Mr. COOPER. I was calling lender every month & they said we are processing. Then after 5 months I had to hire a modification company & pay them {$1200.00} every month and ask them to help me for my modification. That company provided all documents to lender and call them every week too. But lender took 14 months to denied my modification without any reasons but they told me our policy is not to modify loan but we can put you for forberance plan. I was very upset, because as of XX/XX/XXXX the lender raised my interest rate to 5.5 % & my monthly payment from {$3900.00} jumped to double {$6500.00}. Again I called them every month & informed them because I have XXXX XXXX & XXXX XXXX I am in XXXX I wanted to modify or refinancing my loan to be able to pay my morgage in full but they ignored me, then as of XX/XX/XXXX I have to pay them {$3500.00} per month which I did every month paying them half payment. In meanwhile the company that helping me for modification & I call lender for result of modification but instead they were accepting my partial payment & telling us we are processing loan documents but the same time lender also reported to credit bureau for delinquency & not paying the payments & charging me late fees. 
It took 14 months to give me the modification result but the same time asking all kind of fees. When I complained to Escalating dept. Customer Service Dept. Collection Dept. But all managers told me we apologize, we are sorry we made mistakes but I asked them then correcting my credit report which my XXXX now is XXXX & I can not asking refinancing or to any other bank applying any loan because every body don't even look at my documents & the first thing they said your XXXX is very low & you have deliquents & late mortgage payments. 
Also from XX/XX/XXXX till XX/XX/XXXX, I paid them every month {$3500.00} instead {$6400.00} but they reported to Credit bureau I owed them {$90000.00} plus all fees. 
They are crook and they jipt & robbing me & the same time causing me so much cost for paying to another company for helping me for that modification. I am a disable & senior. They are abusing me with this mortgage & not modifying my loan on time. Lender could tell me in 30 or 60 days they don't want to modify my loan then I had enough time to refinancing or not paying that much to a third company for helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
In 2017 I went in person to an XXXX XXXX XXXX store to close my month to month account and I paid off the remaining balance, I was told that my account was now closed. My service at home was off and I joined a new internet, phone and cable company since. 

Now my credit is being hurt by 3 collections with different account numbers stating that original creditor is XXXX XXXX XXXX. I never received any notifications from this collection company, and when I called, now that I saw them in my credit report, I was was told that they had an incorrect address on file. My credit is being damaged by these charges for a service I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: NC

Complaint narrative:
As I, XXXX XXXX have previously notified XXXX  and Equifax, that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, my home was sold. Flagstar Bank, the mortgage service, was told repeatedly the sale was pending and assured me that all was fine. I received a settlement statement and forwarded the information to the title agency handling the matter. The closing occurred, I paid all fees due from me to settle the mortgage with Flagstar and on XX/XX/XXXX, while the payment process was occurring, Flagstar sent an escrow payment to XXXX XXXX, NJ for property tax. XXXX XXXX received property taxes from the title company for taxes and its been recorded with the township. As well, the deed is transferred. Flagstar is refusing to accept the wire of the mortgage payment due to an uncashed check, they sent. In addition, Flagstar is attempting to add the tax payment they sent but also interest because of their refusal to take the complete payoff. After numerous attempts to resolve this matter, via email and phone calls, Flagstar refuses to look into this matter. 
My last call was XX/XX/XXXX with a manager named XXXX. I have a transcript form XX/XX/XXXX of a chat conversation with a rep named XXXX, spoke to a rep named XXXX on XX/XX/XXXX, and called Flagstar XX/XX/XXXX about the closing and also called again on XX/XX/XXXX and XX/XX/XXXX to be sure there were no problems. At no time has Flagstar informed me of any issues until I saw an increase in the escrow payment after XX/XX/XXXX while the title agent was in touch with Flagstar.

I contend the Flagstar is attempting to obtain more fees from me instead of properly searching for a missing check and looking into why they are charging more money for a house that was sold. They have been given the names of workers in the township tax office, but refuse to call anyone about the check or their negligence.

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 2020-11-19 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: DE

Complaint narrative:
This company refuses to complete a full investigation on accounts that are not reporting accurate information on my credit report. These accounts appear as if they are mine and I am not creditworthy

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 2020-11-19 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:
I am XXXX XXXX XXXX I am writing on my own behalf about concerns on my credit report. I got my credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct these error and only received 1 notification back after that no other response was made 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 2020-11-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As I, XXXX XXXX have previously notified Experian and XXXX, that I am a victim of 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 2020-11-19 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-11-19 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am unable to refinance because there is a freeze on my account with Equifax which I would like to lift. Unfortunately, I am unable to access my Equifax account to lift the freeze. The login and password I have used in the past does not work anymore and every time I request a new password, I get an error message stating " The information you provided does not match our records. '' I spent more than two hours on the phone today with customer service to try and get this fixed. Unfortunately, the gentleman I spoke with did not know how to fix this issue. I asked to speak with a supervisor and he said none were available. I said I would wait and he disconnected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
as I have notified you before, I am a victim of identity

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 2020-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I inquired on a Puppy for sale on an online Pet website XXXX XXXX XXXX and was advised the total cost was {$500.00}. The seller requested a {$300.00} XXXX payment deposit. He then advised {$200.00} was ok and {$300.00} upon arrival of the puppy. Which we paid {$200.00}. He then texted and advised he needed all the money which did not make sense to me. The he said it was the seller XXXX 's brother XXXX. He said we needed to pay more to ship the puppy off and the Delivery Company was requesting protection insurance. I told him that was not the original agreement and he said he would try and fix the problem. I offered to pick up my puppy and pay the balance and he refused and said why would I waste my time and drive so far ( XXXX, CA ) when he could do everything. He then responded and said the puppy can be delivered " Today '' which was already XXXX. I texted him a few times and never heard back from him again. I called and texted and no response. 

PLEASE HELP! THIS IS A SCAMMER COLLECTING MONEY FROM INNOCENT PEOPLE. 

His email provided to send the XXXX Payment was XXXX. I immediately called the Bank Chase to advise I was being scammed and they said it was to late to stop the direct payment. I could not cancel the payment. 

Thank you kindly, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello, In XX/XX/XXXX, I opened a 12 months CD with Marcus  by Goldman Sachs. Unfortunately, due to an unexpected circumstance, I will need to break the CD before its maturity date on XX/XX/XXXX. 

I called to find out what is the penalty that I will need to pay. Surprisingly I found that the penalty amount I need to pay will be higher than the total interest paid to me so far. 
This is an unfair practice as GS earned interest already on the money I deposited. However, as a penalty, they are charging me also for future interests they could have earned. 

The bottom line is that I am going to get less than the actual principal amount I deposited. 

I would appreciate any help to ask GS to reconsider the penalty amount to be more responsible and fair. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: FL

Complaint narrative:
Equifax violated the Fair Credit Reporting Act. In attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: DE

Complaint narrative:
I XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. EXPERIAN HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.

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 2020-11-19 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: FactorTrust, Inc.
State: DE

Complaint narrative:
I XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX  HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: DE

Complaint narrative:
I XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX  HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.

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 2020-11-19 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: DE

Complaint narrative:
I XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX  HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: CBC Companies, Inc.
State: DE

Complaint narrative:
I XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
I HAVE TRIED NUMEROUS OF TIMES TO GAIN INFORMATION ON A TD ACCOUNT THAT I NEVER OPENDED. THIS ACCOUNT IS STOPPING ME FROM OPENING ANY ACCOUNTS. THIS ACCOUNT IS NOT MINE.

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 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rossi Law Offices, Ltd
State: CT

Complaint narrative:
The city of XXXX, CT, which I do not live in, attempted to tax my motor vehicle in XXXX. I never received notice from the city that I owed a tax. On XX/XX/XXXX I received a letter from Rossi Law Offices , LTD. Upon receiving this first notice from the debt collector, the debt collector did not provide notification of validation. The debt collector also failed to provide notification that I have the right to dispute the debt if I believe the debt to be incorrect. The letter only demanded that I pay the amount owed. I believe this to be deceptive and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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:
Transunion violated the title 15 USC 1681 Fair Credit Reporting Act. Information Attached.

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 2020-11-19 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: FL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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