vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
I was contacted by Quicken Loans about my mortgage with them in the end of XX/XX/XXXX. They were offering a lower rate for refinancing. My current rate is 3.5 % and they offered 2.75 %. I told them initially I did not want to refinance because I don't believe they are a reputable company and I had issues during the purchase of my home in XX/XX/XXXX. They assured me this would be a simpler process and continued to contact me so I proceed. On XX/XX/XXXX, they ran both my credit and my grandfather 's ( he co-signed the original mortgage ) without permission. They have admitted that they did this without permission. As with my initial mortgage, they would not give me the exact items required for closing. They would request information and once it was provided they asked for more. The final issue was that they requested a 2 year history of my grandmother 's mortgage. My grandmother is not an applicant for the refinance and is not required to give this information. Because we would not give it, they said the process would be canceled, so I was not able to refinance. I believe my initial mortgage process and the refinance included XXXX of race and age. Although we provided all information requested, this company constantly requested " further information '' or information on people outside myself and my grandfather. I believe because of my grandfather 's age, he was targeted and it is the reason for the extensive document request. I also feel like race is an issue because it seems like they were looking for reasons to show that we could not afford the home. They conducted an " investigation '' proving that they did run the credit without permission, however they did not continue the refinance process because of the documents they stated we had to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX charges entitled " Purchases prior to XX/XX/2019 ''. 

Alarming note that although I have other accounts with Comenity,  XXXX XXXX is the only entity collecting additional finance charges entitled " Purchases prior to XX/XX/2019 ''. 

I requested an investigation, explanation and refund for " Purchases prior to XX/XX/2019 '' finance charges covering period XXXX, without success..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: NJ

Complaint narrative:
I began XXXX XXXX back in XXXX of 2019 and right after I received my XXXX, I got a call from XXXX, saying I needed to pay for an accountant for the year. At the time, I did not know much about running a business so they sold me on paying for the year. When i told them i couldn't afford their costs, they offered to connect me with Lending Point which would allow me to make monthly payments. 

After a couple of months go by of me paying for this service and NOT using it, i realized I did not need this at all. To this day, I have not used the service once and because I struggled to make the payments in the second half of the year, it has negatively affected my credit score. I really feel like i should not have to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: FL

Complaint narrative:
Equifax is showing an account still open from a debt collector from a credit that was discharged in Chapter XXXX bankruptcy. I never had any business dealings with the debt collector and and dealings with the credit company who hired the debt collection ended in bankruptcy discharge. It needs to be removed from credit file. I tried contacting XXXX XXXX many times but they will not return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX has a CO on the account in XXXX. I asked for it to be removed since the criteria for a charge off is 180 days. NOTHING was late beyond 60 days, and fully paid at 70 days. 

Instead, Trans Union has added 3 additional months on my credit file.

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 2020-07-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX has a CO on the account in XXXX. I asked for it to be removed since the criteria for a charge off is 180 days. NOTHING was late beyond 60 days, and fully paid at 70 days. 

Instead, XXXX XXXX has added 3 additional months on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My HSN Credit Card was sold to Synchrony bank. Soon as Synchrony got my account the reduced my credit limit from {$1400.00} to {$180.00} without informing me or sending any notifications. My credit score dropped drastically because of this. My credit card utilization went through the roof and I was no longer able to make large purchases. I send them letters, emails and even called them. They were not willing to work with 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 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MInnesota XXXX DOB XX/XX/XXXX SSN XXXX Citi bank Cc CFPB On this XXXX day of XX/XX/XXXX I XXXX XXXX XXXX I have contacted your office via MInnesota Attorney Generals office, credit reporting agencies and the consumer financial protection bureau. But it is hereby known that I have sent you factual proof and documentation of your unlawful and negative credit reporting that you are reporting on me! But you refused to remove the violations. In accordance with the federal fair debt credit practicing act 15 USC & 1692 you are hereby notified to Cease and Desist reporting account XXXX in addition you are hereby to remove this account from all credit reporting agencies I will request documentation that you have complied with this request 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 explanation
Consumer complaint received 2020-07-20 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

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 2020-07-20 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

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 2020-07-20 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX CARD

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 2020-07-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-20 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 — Card was charged for something you did not purchase with the card
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/20, I received a text message from Peoples United Bank asking me if I had tried to use my debit card for a purchase at a XXXX XXXX station. While I had not used the card at that station, I occasionally give the card to my son for car maintenance or gas purchases and thought this was a purchase made by him with my card. The aforementioned text message from the bank DID NOT indicate the location of the purchase - a very important fact in my situation. On XX/XX/20, I noticed a charge of {$100.00} on my card at a XXXX XXXX in XXXX, Indiana. Another charge of {$100.00} at the same XXXX XXXX station appeared while I was trying to reach the Customer Service line for Peoples United Bank. I finally got through to the customer service line and talked to a lady named XXXX. I explained the situation to her in detail and while I was talking to her another charge for {$100.00} appeared on my account from the same XXXX XXXX station. At the time of that conversation all three charges were listed on my account as pending. She indicated the charges would be blocked and that the card had already been blocked. Subsequent to my conversation with XXXX, I filled out a claim form and submitted the information according to the procedure stipulated in the form. On XX/XX/20, I received a form letter from the bank indicating they were denying my claim and were considering the charges 'authorized '. Somewhat in disbelief, I called the Customer Service line again, this time speaking to a lady named XXXX and she indicated she would ask her 'team ' to review the file again. On XX/XX/20, I got another form letter stating that they considered the charges 'authorized '. It is incomprehensible to me that this bank could under any form of logic or reason, consider THREE charges for {$100.00} each on the same day at a station in XXXX, Indiana ( a place to which I have never been ) could be 'authorized '. In considering these charges authorized, the bank is insinuating that I have made a fraudulent claim - and I take offense to that!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as posible.

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 2020-07-20 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as posible.

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 2020-07-20 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-07-20 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Due to COVID 19, we took forbearance for 3 months and attempted to get on a deferred repayment plan. The company ( New Rez/ Shellpoint mortgage company ) has yet to be forthcoming on in communication if whether the repayment option selected was accepted or not. Constantly rerouted to voicemails and subject to robocalls and letters saying about how much is owed but no human interaction to help me the consumer know whether I'm approved or not. Furthermore I'm getting the feeling that time is being wasted for me to be in the potential of defaulting on my mortgage as it is almost 30 days and no feedback. 

Secondly, they have yet to disclose to me options available for the second property in terms of repayment plan options. I'm still unaware of what options are available to use for repayment and I'm just getting the runaround. I have never received one call as promised by the company during this whole forbearance and COVID period it has been very disappointing and eye-opening. I honestly feel like someone is purposefully trying to get me to default and frame it as I was unwilling or not trying to pay. Lastly, their website to expedite things and fill out additional forms to get faster service has not worked very poor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: GA

Complaint narrative:
I Originally filed all the proper fraud documents with the bureaus on XX/XX/2020, and nothing has been done per the regulations set forth by the FCRA. I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-20 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: GA

Complaint narrative:
I Originally filed all the proper fraud documents with the bureaus on XX/XX/2020, and nothing has been done per the regulations set forth by the FCRA. I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-20 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: MO

Complaint narrative:
I have been receiving a letter in the mail for some time now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and saw various child support items and loans on my account that do not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHLDSUPPORT  XXXX {$970.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$4500.00} XXXX XXXX {$5800.00} XXXX  XXXX {$770.00} CHLD SUPPORT XXXX {$5200.00}

Company response to consumer: Closed with explanation