vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 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:
I filed an FTC Identity Theft Report with the Federal Trade Commission and sent all three credit bureaus the Following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Of the three credit bureau, TransUnion is the only one that did not follow section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I contacted them several times and tried to explain to them that they are in direct violation of the FCRA federal law and that they are now negligent in their reporting responsibilities because they have all the documents required by law to remove these fraudulent accounts from my credit report. I sent TransUnion the document via certified express mail which they received and signed for on XX/XX/2021. As of today XX/XX/2021, I still have the fraudulent accounts on my credit report. I have asked them repeatedly if they are familiar with FCRA laws and they have admitted that they are not familiar with " American '' FCRA law. This negligence and disregard of the FCRA 605B is a direct violation of my rights and I am demanding this to be corrected.

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 2021-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I have been hunting for a company that will improve the first time homebuyer mortgage. I have been employed for 10 months with a recruiter/temporary employment agency that has worked with XXXX XXXX XXXX XXXX 30 years. I have been offer and conditioner employment. The underwriters will not except my application because of the nature of the company that I am working through at the automobile manufacturer plant. In addition, I have had discussions with brick and mortar banks, and online lenders. Every time one of these companies checks my credit rating my score goes down. This is making it very difficult for me to get approval for a mortgage. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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:
I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several inquiries and one account on my credit report that I never opened. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from multiple companies all of which I am not affiliated with in any way. The account & inquiries listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened a few times in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards the account mentioned above. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized inquiries & account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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:
I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several inquiries and one account on my credit report that I never opened. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from multiple companies all of which I am not affiliated with in any way. The account & inquiries listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened a few times in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards the account mentioned above. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized inquiries & 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 2021-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
I was approved for a loan Modification in XX/XX/2020. The payment was $ XXXX monthly. All payments were made as scheduled on time. Out of nowhere I received a letter from the Mortgage company around approximately XX/XX/2020, stating the Mortgage will be increasing approximately {$2000.00} due to an escrow shortage. This is not because the property taxes or homeowners insurance went up significantly high. This is because, of a {$7000.00} shortage created during the loan modification. I have been trying to get help to resolve the problem in some kind of way and have not gotten any help or solid information from the Mortgage company. The new amount is a drastic change for my budget and now the Mortgage is behind again. Midland does not call back to follow up as promised. Ive made all the follow up calls and still made payments to avoid the Mortgage from falling further and further behind. This is an FHA Loan.

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 monetary relief
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
I have sent several letters and called all 3 bureaus about these inquiries listed on my credit report. I was told over the phone they would be removed but at this time it is still reporting. I believe my information was compromised in 2 credit breaches and I have not received a response from the credit bureaus regarding 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 2021-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I applied with US Bank my current HELOC holder for a subordination related to a refinance. They charged me a {$250.00} up front fee and did not tell me I would need to provide a full appraisal on my property in order to have my request reviewed. If I knew of that requirement I would not have paid the {$250.00} and I would not have submitted the request. I do not have a full appraisal and will not provide one. An appraisal is not necessary and it should not be required for the subordination as my 1st mortgage refinance is not a cash out. My HELOC is also at a XXXX balance. I am a mortgage professional so I know underwriting guidelines and normally lenders do not require an appraisal if my 1st mortgage refinance is not a cash out. I tried calling US Bank today multiple times today to discuss the issue and see if there is a solution. I also wanted to know why they did not tell me the requirements of the subordination before collecting {$250.00}. They refused to put anyone on the phone. They said that department is private and they are not allowed to give out the contact info. They also tried telling me to have my mortgage company call them who was handling the refinance. I told them I am calling from the mortgage company handling the refinance. I actually work for the mortgage company. US Bank collects {$250.00}, does not advise what is required for the process, then cashes the check and denies the request asking for something I can not provide. They do not allow anyone to call and find out how to resolve the denial and refuse to allow both the requestor and customer talk w their underwriting. I would not have paid the {$250.00} if I knew they would require an appraisal. I would not assume it's necessary because in my 30 years of being a mortgage lender I have never seen this requirement unless it is a cash out refinance. US Bank is free to have their own guidelines, even if they make no sense. However, they can not charge {$250.00} and then tell a consumer after the fact they need something the consumer can not provide in order to complete the service they charged for.

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 2021-03-02 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: IL

Complaint narrative:
Equifax has been notified by letter, fax, and phone calls over 6 times for year 2020 to remove address. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For my entire life i have lived on the opposite side of america and never in california. That is on the opposite side of the world. 

I have even printed off and faxed my bank statements and spent over XXXX dollars and 2 years trying to get the address removed. I have never been or lived at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Spending all this money and nothing being fixed from someone else doing fraud. 

Equifax has sense acknowledged it was fraud when i submitted my last complaint to you. If you pull it up they admit to it. But has done nothing to rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Hello, My Unemployment Debit Card for Nevada from Bank of America was compromised on XX/XX/XXXX. I reported it that day, and a replacement card was forwarded and received. I have not been able to activate or access my weekly benefits since that date ( 3 months now ). 
I have spent several hours and numerous telephone calls to both XX/XX/XXXXand BofA to no avail. XXXX ( State of Nevada ) assures me that the release and confirmation of identity for my account has been forwarded to BofA on XX/XX/XXXX. then again on XXXX and XX/XX/XXXX. While Bank of America continues to state that they do not have any release. It has been this continuous " volley '' back and forth between the two agencies. 

On XX/XX/XXXX, after waiting on hold for 2 hours for a Bank of America Supervisor, I was told that it was just a process for mhy own safety. And, that I will have to just wait. I HAVE HAD NO BENEFITS FOR 3 MONTHS ... How long do I have to wait? 

This clearly appears to need some accountability and responsibility on the part of BofA. Why don't they take responsibility and FIX this issue. People need their lifeline. 

Please help! Can you please let me know when I will have a resolve? I can be reached at XXXX. 

Thank You 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 non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There is no fraud!!!!! 

I have sent letters with my id and my driver license and my SS cards and utility bills and still Equifax still will not remove the fraud alert from my credit report ...!!!!! 
They do not understand basic English remove the fraud alert from my report!!!!!! 

I did not place the fraud alert on my report!!!!! 
still they will not remove the fraud alert from my report!!!!! 



XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MS

Complaint narrative:
I was denied for an apartment today due to a debt owed to XXXX XXXX. I reached out to Hunter Warfield in an attempt to resolve the debt owed and was treated with disrespect as well as unprofessionalism. I spoke with a woman who was quick to speak slow to listen. She then transferred me to her Manager XXXX XXXX who was confrontational, argumentative, disrespectful and unprofessional to say the least. I explained to them both I was willing to pay {$600.00} on a debt that is about to reach statute of limitations. They offered {$1100.00} I countered with {$800.00}. Just seems to me they aren't willing to negotiate with you to resolve the case due to their kickbacks for collecting the debt. XXXX overly aggressive with his tone even after I asked if he could please lower his voice and adjust his tone. This debt has haunted me for almost 5 years and doesn't show anywhere on my credit reports however whenever I apply for housing this is the reason I am denied. I am a single mom with three kids trying to do the right thing on a debt that has shared responsibility with another person however I am the only person being penalized.

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 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Pulled my credit report on XX/XX/XXXX, and saw that XXXX XXXX XXXX placed a collection account on my credit report. I have not received any communication from this company regarding this debt or any opportunities to dispute it. I do believe that the law states that I have the right to be notified of a debt prior to it being placed on my report and given the option to dispute within 30 days of receiving that communication. XXXX XXXX XXXX has not attempted to provide me any written communication regarding this debt. The practice of placing collections on accounts without any notice is illegal and this company should be held responsible for its actions. This collection claims to have been opened in XX/XX/XXXX, yet, this is the only time I have been made aware of this. I also placed a call to Synchrony Bank, the so-called original creditor, to see what this debt is and they were unable to find any account of mine that has not been paid off already.

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 2021-03-02 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: Self Financial Inc.
State: NJ

Complaint narrative:
i have filed a dispute in regards to the incorrect item on my credit report. its has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: AL

Complaint narrative:
TransUnion LLC is not complying with their own policies in a timely manner. Please see my attached dispute letters.

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 2021-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I refinanced my Wells Fargo Student loans through XX/XX/XXXX I linked XX/XX/XXXX directly to Wells Fargo when submitting the application. My application went through and my loan was refinanced. I now am paying off my loan in XX/XX/XXXX. I open my Wells Fargo account to find out that there is still a $ XXXX balance on my Account with them. I contact XX/XX/XXXXto figure out why they didnt pay Wells Fargo the full amount of my loan, they double check with their servicer and tell me they paid off the full amount that Wells Fargo provided for them. So I contact Wells Fargo and ask them why they gave incorrect pay-off information toXX/XX/XXXX The person I talked to was utterly useless, claimed they theyve never been contacted by XXXX at all despite the fact that XXXX paid $ XXXX of the rest of my loan with them.

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 2021-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Opened XX/XX/2015 {$17000.00} Please review this account inquiry. I would like both investigated and fixed immediately XXXX XXXX Opened XX/XX/2015 {$2300.00} Please review this account inquiry. I would like both investigated and fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
received emails stating my credit had been ran by Capital one bank and XXXX XXXX but no further contact information was sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AC AutoPay LLC, Denver, CO Branch
State: CA

Complaint narrative:
Company never answers their phone and the representative " XXXX '' is consistently rude, unprofessional, aggressive, and even hangs up in my face. They do not properly bill me, send me the correct notices, or even send me monthly statements.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
DRS contacted my parents and informed them of my debt and scared them by telling them I needed to have legal counsel and contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company is charging me for flood insurance for a 2nd floor condo and no one else in the complex is paying floor insurance. I can not get a hold of the company to resolve. NO customer service, they don't pick up their phone. Website is a nightmare and can not log in.

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 2021-03-03 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXXXXXX Opened XX/XX/2015 {$17000.00} Please review this account inquiry. I would like both investigated and fixed immediately American Express Opened XX/XX/2015 {$2300.00} Please review this account inquiry. I would like both investigated and fixed immediately

Company response to consumer: Closed with explanation