vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 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: AZ

Complaint narrative:
Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Equifax has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Equifax failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. 

PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I just applied for a refi for my house and I got rejected because they said I have a 30 late payment on my mortgage. I was on a Forbearance Plan with XXXX from XX/XX/2019 to XX/XX/2019 because the President shutdown the government without pay. XXXX XXXX XXXX XXXX took over the loan on or around XXXX and started a Loss Mitigation Home Modification process. I was making monthly payments and catch up payments while they considered the modification. I just talk to a rep at XXXX and she pulled my account and said there were no missed payments and it should be corrected on there end after XX/XX/XXXX. She put notes on my account and admitted my paperwork from XXXX didn't get transfer over correctly to XXXX. I was not late on XX/XX/2019.

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 2020-03-26 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: MD

Complaint narrative:
I just applied for a refi for my house and I got rejected because they said I have a 30 late payment on my mortgage. I was on a Forbearance Plan with XXXX from XX/XX/2019 to XX/XX/2019 because the President shutdown the government without pay. XXXX XXXX XXXX XXXX took over the loan on or around XXXX and started a Loss Mitigation Home Modification process. I was making monthly payments and catch up payments while they considered the modification. I just talk to a rep at XXXX and she pulled my account and said there were no missed payments and it should be corrected on there end after XX/XX/XXXX. She put notes on my account and admitted my paperwork from XXXX didn't get transfer over correctly to XXXX. I was not late on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
On or about XX/XX/XXXX I applied for a refinance with my current lender Loan Depot. This is my 2nd refinance request within the past 6 months That has been turned down for low LTV because of the appraisal ordered by Loan Depot. 

What strikes me as very odd is that my city assessment Real Estate Statement reflected a higher value that even my home appraisal. I called my local city assessment real estate office to challenge their assessment since I had Pay for an appraisal with Loan Depot. After speaking to my local real estate City Assesser office in Virginia they informed me their assessments are 90 - 95 % of market value according to the Code of Virginia. 

After several attempts by phone and by email someone Loan Depot refinance finally responded to my concerns regarding the appraisal. My original loan officer didnt even bother to reach out to me. They told me that I could challenge the appraisal. They understood the grounds for which I was challenging the appraisal due to my city assessment come in way over the appraisal which normally does not happen. 

My concern as a consumer which pay for the appraisal although I understand Loan Depot ordered it. I find it very difficult to believe that in the last six months my appraisal has not changed. 

I am concerned that there may be an inappropriate relationship with Loan Depot and the Appraisal company that they use and that there might need to be another level of oversight to make sure that these appraisal fair and equitable to the consumer. 

I understand that home loan values affect the pricing of the loan. However if an equitable and unfair appraisal of the house is performed for whatever reason. It can definitely negatively affect the pricing of the loan for the consumer and in my case deny them the opportunity to refinance and lower the monthly payment. 

Hopefully no other consumer has experience what I have experience twice in a row. Its uncanny the likelihood of this happening so close together

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I sent XXXX  a dispute letter to validate a debt collection on my credit report, and update addresses on my report .I received a response back stating that the debt is valid, and to remove addresses on my report I have to contact the sources directly. XXXX sent no documents from the collection company explaining why. 

I sent a dispute letter to the collection agency ( convergent outsourcing Inc. ) also. They sent 6 pages of online bills with no signature or any proof that the debt is valid. Two of the pages were ads for XXXX  mobile services. 

The addresses I wanted to remove were attached to public records form over 8 years ago.I just wanted to have current information on 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 2020-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I used the web site Remitly.com to transfer {$100.00} to my father in XXXX. The company deducted from my XXXX XXXX   account {$100.00} ( money to be transfered + fees ) on  XX/XX/2020. The company said that the money would be delivered to my father on XX/XX/2020. On XX/XX/XXXX I  received a text message and an email from Remitly.com saying that the money was delivered, however, I contacted my father and he said he has not received this money so far. On XX/XX/XXXX I sent a complaint email to XXXX asking for help, but they haven't replied me so far. 

The transaction number is XXXX XXXX XXXX XXXX. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center
State: TN

Complaint narrative:
XX/XX/XXXX - contacted Premier Student Loan Center to consolidate my student loans and participate in the Public Service Loan Forgiveness Act,  as I was working for a nonprofit XXXX. My federal loans were consolidated at this time and my payment was reduced significantly. 
XX/XX/XXXX - XXXX XXXX XXXX reached out to have me recertify for Public Service Loan Forgiveness ( PSLF ). I filled out the employment certification form and returned it. 
XX/XX/XXXX - Premier Student Loan Center reached out asking me to recertify again, this time requiring recent pay stubs and most recent federal tax return, which I provided. 
XX/XX/XXXX Received email from XXXX informing me that my payment would be increasing from ~ $ XXXX/month to $ XXXX/month. I then called XXXX to discuss this increase and was informed that when I consolidated my loans through Premier Student Loan Center, I was able to get such a low monthly payment because they had claimed 5 dependents on my behalf ( I have zero dependents. ) I placed my loans in forebearance for two months while sorting this out and now have an adequate repayment plan through XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-26 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:
SOMEONE USE MY INFORMATION TO OPEN FRAUDLENT ACCOUNTS AND PUT ME IN ALOT OF DEBT THAT DOEST BELONG TO ME I WAS NOT AWARE OF ANY OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
I have an email confirmation that revoked ACH withdrawals from this Company. They waited 3 months and began the withdrawal again. 

The confirmation was dated XX/XX/XXXX. They resumed with withdrawal in XX/XX/XXXX. The withdrawal was for {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Accounts on my credit report are not mine. They are unauthorized and unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: NY

Complaint narrative:
Accounts on my credit report are not mine. They are unauthorized and unverified

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 2020-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Good Evening, On XX/XX/XXXX, I entered into a loan modification with US Bank in order to stop foreclosure proceedings. My original loan was {$30000.00}, which was singed on XX/XX/XXXX. 

In XX/XX/XXXX, I called for a payoff and it stated that around {$78000.00} was due. 

I spoke with a representative on XX/XX/XXXX and she stated that all unpaid mortgage payments and interest that caused the loan to default are added into the fees due in the loan modification total. 

In the loan modification documents, I see that {$40000.00} was added for capitalization. 

I have sent two emails, which have remained unanswered, requesting an itemized breakdown of all fees-attorneys, back fees, capitalization, etc. 

When I signed the modification, I assumed the {$78000.00} would be the total due if I kept the loan out for 30 years. 

Is there anyway to look into this as possibly being predatory lending? 


Thank You, 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 non-monetary relief
Consumer complaint received 2020-03-26 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:
SOMEONE USE MY INFORMATION TO OPEN FRAUDLENT ACCOUNTS AND PUT ME IN ALOT OF DEBT THAT DOEST BELONG TO ME I WAS NOT AWARE OF ANY OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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:
SOMEONE USE MY INFORMATION TO OPEN FRAUDLENT ACCOUNTS AND PUT ME IN ALOT OF DEBT THAT DOEST BELONG TO ME I WAS NOT AWARE OF ANY OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 non-monetary relief
Consumer complaint received 2020-03-26 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: IL

Complaint narrative:
I have submitted documentation to Experian proving that my auto loan account was never late and Experian refuses to update. It is costing me a home 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 explanation
Consumer complaint received 2020-03-26 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:
I HAVE SEVERAL ACCOUNT I DO NOT KNOW ABOUT THEY WERE OPEN UP FRAUDLENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a notice on XX/XX/2020 that my credit limit was being decreased from {$2000.00} to {$650.00} because my credit score with XXXX was reported as XXXX. That information is entirely incorrect, my score has never ever been that low. They also stated this may be due to my account with best buy but the account has been below 30 %. I was not given a 45 day notice, the limit was decreased on that day which caused me to lose 21 points from my credit score because my proportion of loan balances to credit was now reduced by {$1300.00}. I attempted to reach out to best buy because the issue is on their side and I received no help and was told to reach out to XXXX  for a dispute. However, on XXXX  's website all of my information is correct so there is nothing to dispute.

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 2020-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
During the Coronavirus crisis many mortgage companies are waiving up to 90 days of payments Roundpoint Mortgage in South Carolina is operating in Arizona and had recently acquired my daughter 's mortgage When she called to today because she recently was laid off because of Coronavirus and was seeking help Roundpoint told that they would give her a 90 day grace period but on day 91 she would be required to repay the past 9p days as well as her current payment and failure to do so they would foreclose on her home How does this happen? Is this legal? We have friends and family who's mortgage companies have waived 90 days We need help immediately

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 2020-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2020-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation