vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 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: WA

Complaint narrative:
I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This Account was not 30 days late. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

10. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

11. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: TRANSWORLD SYSTEMS INC
State: NE

Complaint narrative:
Transworld System I is reporting a fraud account on my credit report. I have disputed this item several times with the credit bureau and the creditor. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Issue Paypal withholding refund by seller asked for this to be loaded like prior refunds over 10 years using this service issue 1 not resolved and asked for private details out of line with consumer rights to sign up issue 2 asked for bank details and that is already submitted to them - further notice for them to release money - granted to them this is criminal outlined in theft of money refunds or transfers to consumers - buyers issue 3 seller has notified the refund was supplied over within two months ago issue 4 all calls and emails are returned in failed sending to the company issue 5 all prior refunds hit the bank eg {$41.00} but over {$200.00} they are asking for transfer and or ID online - Federal governments are in compliance and this PAYPAL maybe subjected to fraudulent ongoing activities ... 
CUSTOMERS - BUYERS and perhaps sellers - BE careful I will be finding other services to get to the bottom of this theft of my hard earned money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the XXXX XXXX XXXX in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!

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 2020-12-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the XXXX XXXX XXXX in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the XXXX XXXX XXXX in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!

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 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2020 a fraudulent charge of {$300.00} was made on my credit card for a cash advance. I have never used a credit card for a cash advance. I was alerted to this charge by my credit card ( Capital One ). After speaking to their fraud department the charges were reversed. 
I then received a letter on XX/XX/2020 stating that there is insufficient evidence of fraud and then charge of {$300.00} was added back to my account. 
After calling three times, being placed on hold for hours and once being told the dispute was still under review they finally told me their decision was final. 
As mentioned I have never used a credit card for a cash advance and don't even know what my pin number is. 
The charge was made while I was on vacation, and I have receipts from another credit card where you can see I was not home. 
Capital One sent me a replacement card in mid XXXX because my current one was expiring. I never received this card. When I called in XXXX about it their automated system told me to wait a few days before reporting it lost. They eventually sent me another card, the original was never received. 
The transaction was fraud, was not made by me. I attempted to explain and reason with them but they were not receptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-03 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: CA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2020-12-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XXXX is an open complaint. mr. Cooper sent me a letter asking me to contact them regarding the issue. I sent them an email with the issues in response. They did not respond. I sent an email asking them to validate receipt. They did not respond. I copied the CEO, and top level execs, and they did not respond. They are not responding to the issue. I could not update the complaint. I have attached a copy of what I sent in response to the above complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to buy a car on XX/XX/XXXX at XXXX XXXX and they approved me, but they told me I had a negative account ( XXXX XXXX XXXX XXXX ). I have no idea who opened this account or what it is for. My personal information was stolen on XX/XX/XXXX and they took my birth certificate, driver 's license, and social security card amongst other personal belongings. I am assuming that's how they open this account but I'm not sure. I have an open police investigation for that incident. I need this account blocked because it doesn't belong to me and it already cost me money considering I probably got a higher rate on my interest rate for my car. And this account will continue hurting me even though I never opened this account. I never received or possed any goods, services, or money from this account. I filed a police report already and it's an open investigation, no arrest has been made yet. All my statements are true and correct to the best of 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 2020-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Please review partial of the United States District Court for the Southern District of Florida case no : XXXX XXXX XXXX and XXXX XXXX /Planiff VS Select Portfolio Servicing INC , this case is XXXX pages long but I only printed out the first XXXX pages because it has the same identifiers and characteristics of my case with force place insurance scheme particularly Hazards insurance increasing insurance more than it actually cost and adding other insurance fees causing increase in premiums and pass it to the borrower which I had no knowledge that it was applied to my mortgage loan payments. Please review Exhibit A OMNIBUS ORDER DENYING DEFENDANT MOTION TO DISMISS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Transworld System collection agency bought a debt from XXXX XXXX. This debt/account was opened fraudulently in my name. I have called the collection agency and XXXX XXXX multiple times in the month of XX/XX/2020 and no one will help me. When I called transworld system collection agency the collection agent just kept asking how I wanted to pay the debt after I repeatedly told him that the debt is not mine and is identity theft. The agent then said they were going to send me a fraud package to fill out but I have not received it. This has negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: ID

Complaint narrative:
I applied for a loan for an investment property and was approved online, then XXXX was assigned as my loan officer. He repeated quoted me a low rate without points, stating that quicken only charges a {$1200.00} lender fee. I asked him for updated rates last week and he quoted me 2.625 %, which seemed low, so I asked to confirm that was the rate for a non-owner occupied loan and he replied yes. 

When I found a property and requested that he lock my interest rate today, he was evasive and said rates had gone up. When I asked what today 's rate was, he said 3.5 %. I told him to go ahead and lock it, as I already signed the offer. He then texted me to call him. When I called him, he told me that the loan at 3.5 % would cost me the {$1200.00} quicken fee, plus XXXX points, totally over {$5000.00}. He then said he was confused and thought I was going to occupy the house. The loan I applied for was marked as an investment property and XXXX knows that I live in Idaho and work in Idaho and was looking at investment property in XXXX XXXX. Today, he said he would not be able to honor any of the loan terms he earlier had quoted and could not do the loan at XXXX points, as he told me he could on several occasions. I spoke with XXXX XXXXs manager, who told me he was not sure if XXXX was deliberately dishonest or confused. He also said that XXXX should have known that I had applied for an investment property loan, as it was all over the documents in my file. 

Quicken loans offers a {$1000.00} guarantee that they will close your loan. I am looking for another lender unless Quicken honors their original fee quote. Since that is not likely, I am writing to see what recourse I have. I had a similar, though not as costly, experience when quicken refinanced my primary residence a few months ago. The lender quoted me a lower rate several days in a row and said he could not lock the rate until I had all docs. in. Once I submitted docs, he said the rate went up. The same thing happened with my daughter and a friend who refinanced their homes at the same time. I understand teaser rates, but quicken loan offers are quoting lower rates and low to no costs until the day you lock, after you have already made plans with the loan and spent time uploading documents. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Ive never has an account with this company. I also haven't seen any bills from them letting know that I have an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
The new company paid my previous mortgage off late. Then the balance paid off did not match the balance owed. I know have XXXX mortgages. I can not get anyone to respond for assistance and have my old company calling me for collections. The company is village capital and loan officer is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
XXXX day late payment with the three major credit bureau on XX/XX/XXXX I have contact the creditor to explain that a check from the refinance company XXXX XXXX was mail out to them for the full balance and was advise that it would not be consider late sine there was a payoff balances requested how every i was under the impression that everything was okay until I check my credit and seen a late payment hit my credit so I contact them and explain that there was not a late payment due because the balance was paid and was told they would send it to there escalation department because the file was so old now i still see the late payment in XXXX as i apply for a home loan so I disputed this with all three credit bureau to come back verify and updated with the same information I have contact Santander to try to address this but was on hold for and hour and then disconnected so I call the credit bureau and was told to contact the Consumer Financial Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: LEXISNEXIS
State: TX

Complaint narrative:
the credit reports are FCRA violations i'm trying to buy a house please correct this ASAP or i'll be suing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
LVNV funding LLC I believe this is an installment loan that my brother in law or someone fraudulently opened in believe its fraudulent I have never ever gotten an installment loan or a loan with such high interest my identity has been stolen over 5+ accounts have been fraudulent made what makes me think this is my brother in law is because this company is in South Carolina where he is from and lives and he has had access to my info and the time period just makes sense that it was him

Company response to consumer: Closed with explanation