vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Loan request was with Flagstar Bank, N? O/O purchase, {$310000.00}, 25 % down payment. 
Loan was approved and conditioned which we satisfied and upon receipt, additional conditions were required and met yet loan was not cleared to close. Evidence was provided to lender that all conditions had been satisfied. 
We applied with another lender and closed XX/XX/2020.

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 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-16 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: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX WALMART KOHLS AND XXXX XXXX XXXX I WON IN COURT AGAINST XXXX XXXX TO HAVE INFORMATION REMOVED FROM MY CASE IT WILL BE ATTACHED TO THE INFORMATION ON THIS CASE AND XXXX XXXX  I NEVER HAD AN ACCOUNT WITH THEM EITHER THE OTHER 2 ACCOUNTS WAS LISTED BY ONLINE FILING I AM NOT AWARE OF THOSE ACCOUNTS I am a secured party and the only person duly authorized with superior rights To add and remove things off of my property credit report. I as the Secured Party have a private security agreement valued at XXXX XXXX dollars and a copyright and trademark on name the Debtor XXXX XXXX XXXX And any derivatives thereof. I also have a UCC 1 Flied With the state of Ohio To protect my security interest. These companies do not have the authorization, From me, no contract, or consent for me to use my property and report it with these bureaus. This is notice to you to you to remove these companies information off of the Debtor XXXX XXXX XXXX credit reports as it affects/injures Me, the Secured Party. Any corporation or natural person who, By Coercion, Threat of force, or demand, requires an Employee, trustee, or fiduciary of the trust to perform, produce material, answer, comply with, or act in accordance with any particular Act set forth in the secured party fee schedule, shall be assessed according to corporate capacity for their actions, and further actions may be subject to parallel Claims of criminal activity including piracy, slavery ( suretyship ), trespassing, Breach of fiduciary duty, perjury, misprision a felony, RICO, and forfeiture. The only way any Corporation may post on my credit report is if I give the credit agencies consent to post

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Experian in regards to my certified letter submittal to suppress fraudulent accounts on my account as stated in subsection 605B in the Fair Reporting Credit Act. I contacted then XXXX and again at XXXX which lasted for 40 minutes, XXXX, supervisor in the dispute department hung up on me when I asked him to restate his name to be sure. USPS site states that Experian XXXX XXXX XXXX received my letter on XX/XX/XXXX at XXXX XXXX. In my quest to see that what the status was, I was informed that my letter was never received, I tried uploading it as well, to ensure that the lie " we never got it '' would work, the upload would not work for neither police reports os FTC Identity Theft report together to separately and the were under the 15mb size requested and all were PDF files. I requested to be sent to the fraud department which is what's stated on their site with these issues to be advised they opened a dispute according to section 611 as if I was disputing information that the creditor reported was erroneous in history but valid in ownership, which is FALSE. I provided the agent my FTC report number as well, on the second cal I requested to speak with a supervisor in the Freeze department as researching online the XXXX XXXX XXXX could possibly belong to that department, thats when I was transferred to XXXX and hung up on after I requested his name again and was not called back. My rights are being violated by Experian and has been since XXXX, as I have filed letters requesting physical documentation they received validating the debts and never received them according to section 609 of the fair credit reporting act as well.

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 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I applied for a loan modification via FHA due to illness. 

I was approved. The problem is FREEDOM MORTAGE is supposed to update the lender. I found out via phone call on XX/XX/20 that I made, that the approval was completed on XX/XX/20. 

Freedom Mortgage is required by law to send pending lenders of modification an update via first class mail every 8 days. The agent I spoke to at Freedom Mortgage told me this was required by law. 

The last notice I received in the mail stated : we are doing a title search -- there is nothing more for you to do. 

They did this intentionally so that you fail or really struggle with the trial period. 

To date, I have NOTHING in writing about the payment, the new loan, rates, etc. etc. 

I called on XX/XX/XXXX to make this complaint and Freedom said, NO too bad start on XX/XX/XXXX anyway. 

I sent an e-mail to Loss Mitigation on XX/XX/XXXX asking for the XX/XX/XXXX start ( due to not notifying me ). 

I called today and Freedom will not do it. 

This is against the law. 

XXXX XXXX Loan Number 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 2020-01-16 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: PNC Bank N.A.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: AMERICA FIRST FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My Synchrony Bank/Chevron  credit card was charge-off on XXXX, I never received a collection call either a letter about collection activity for this account. The account shows a balance for {$1800.00} on my credit report, so I called Synchrony Bank and asked the best way to resolve this matter. I was informed the bank issued an IRS 1099-C form on XX/XX/XXXX and they disclosed the account is not longer in collections, the bank is not collecting the balance and the debt was cancelled due to a 1099-C tax form and I can't make payments on the account. Since the account was cancelled, it should report {$0.00} balance on my credit report but it still reporting the original forgiven balance of {$1800.00}.

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 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
I was a victim of identity theft. issue was taken care of but am still getting calls from collectors about it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Hi, Today I found that my credit score is dropped because the collection agency put debt to my account. I have never heard about this agency. They never contacted me, no email, no contact, and no written mail was received from them. Also, the debt that they are put on my account is invalid since the membership account had not been activated and was closed. 
In addition, when I searched I found that this company is not existed anymore and their license is expired in 2013. There are lots of complaints against them due to the same reason. How come without any notification they can put dept on my account and reduce my score for XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
Hello. On XX/XX/XXXX we submitted a Customer Renewal Form ( which XXXX XXXX sent that via mail to submit into them asap ) with all our documentation to re modify our loan due to our loan was up for renewal on XX/XX/XXXX. We received another Customer Renewal Form via mail again on XX/XX/XXXX stating we needed to complete it and send it in asap. I emailed XXXX XXXX on XX/XX/XXXX to let them know that I had already provided the information as requested and attached all the documents to the email again. On the same day our mortgage lender replied back stating " This will get me started! Thanks!! ". A week before the maturity date I phoned the mortgage lender and ask for an update on our package and they stated that everything looks great and to continue making your payments and if anything else is needed we will contact you. We thought everything was okay and we didn't have anything to worry about. Come XX/XX/XXXX, a year later we received a letter from XXXX XXXX stating that our loan was going to be transferring to BSI come XXXX or XXXX I believe and we need to start making payments to them. We then received something from BSI with our monthly payment information which was our normally payment amount that we were previously were making with XXXX XXXX. We received another letter about a month later stating that the mortgage had matured and that the full amount was actually due. Since the loan has transferred to BSI they will not help us with anything. We submitted loan modification paper work and they denied us stating the loan had matured. We feel like XXXX XXXX was wrong because we never received a denial or an approval letter on if we were approved and they just kept taking our payments after the maturity date and transferred our loan to a new servicer without forwarding our documentation to be reviewed by BSI. We feel that BSI was wrong because I wrote them a letter and explain the situation and they still wouldn't do anything about it. If we would have received something from XXXX XXXX stating that we were denied ( if we actual were? ) We could have figured something else out. We were in a Chapter XXXX   Bankruptcy at the time and nothing was even forwarded to our attorney 's that we were approved nor denied for anything. We are still in Bankruptcy now because BSI would not accept any payments other than the full amount due per their customer service rep. Now the bankruptcy court has lifted the stay and our home will be facing foreclosure. We just need someone to help us. Thank You So Much! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX BSI Financial Services XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
EQUIFAX KEEPS PUTTING " FAKE, FRAUDULENT AND INCORRECT '' STATEMENTS ON ACCOUNTS THAT ON ARE ON MY CREDIT REPORT AND I AM SICK AND TIRED OF THEM DOING THIS. BY THEM PUTTING THESE STATEMENTS ON MY CREDIT REPORT WITHOUT MY PERMISSION THEY ARE IN VIOLATION OF THE FCRA AND ARE HARMING MY ABILITY TO GET A MORTGAGE. 

THE FOLLOWING STATEMENT " CONSUMER DISPUTES-REINVIESTIGATION IN PROCESS, CONSUMER DISAGREES '' ARE ILLEGAL STATEMENTS ON THE FOLLOWING CLOSED ACCOUNTS. 

1. XXXX 2. XXXX XXXX 3.XXXX XXXX. XXXX XXXX XXXX ACCOUNTS XXXX. XXXX CARD I HAVE NEVER DISPUTED THESE ACCOUNTS AS THEY ARE CLOSED AT MY REQUEST AND HAVE POSITIVE PAYMENTS BEING MADE. WHY WOULD I DISPUTE THEM. I BELIEVE EQUIFAX HAS PUT THESE ILLEGAL STATEMENTS ON MY FILE TO HARM ME DUE TO OTHER COMPLAINTS THAT I HAVE SUBMITTED IN THE PAST. 

XXXX HAS DONE THE SAME THING TO THE XXXX XXXX  ACCOUNTS THAT ARE BEING REPORTED. I DEMAND THEIR NEGATIVE STATEMENT BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX AND XXXX XXXX XXXX I WON IN COURT AGAINST XXXX XXXX TO HAVE INFORMATION REMOVED FROM MY CASE IT WILL BE ATTACHED TO THE INFORMATION ON THIS CASE AND LVNV FUNDING I NEVER HAD AN ACCOUNT WITH THEM EITHER THE OTHER 2 ACCOUNTS WAS LISTED BY ONLINE FILING I AM NOT AWARE OF THOSE  ACCOUNTS I am a secured party and the only person duly authorized with superior rights To add and remove things off of my property credit report. I as the Secured Party have a private security agreement valued at XXXX XXXX dollars and a copyright and trademark on name the Debtor XXXX XXXX XXXX And any derivatives thereof. I also have a UCC 1 Flied With the state of Ohio To protect my security interest. These companies do not have the authorization, From me, no contract, or consent for me to use my property and report it with these bureaus. This is notice to you to you to remove these companies information off of the Debtor XXXX XXXX XXXX credit reports as it affects/injures Me, the Secured Party. Any corporation or natural person who, By Coercion, Threat of force, or demand, requires an Employee, trustee, or fiduciary of the trust to perform, produce material, answer, comply with, or act in accordance with any particular Act set forth in the secured party fee schedule, shall be assessed according to corporate capacity for their actions, and further actions may be subject to parallel Claims of criminal activity including piracy, slavery ( suretyship ), trespassing, Breach of fiduciary duty, perjury, misprision a felony, RICO, and forfeiture. The only way any Corporation may post on my credit report is if I give the credit agencies consent to post

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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 BEEN A VICTIM OF IDENTITY THEFT. SOMEONE HAS USE MY PERSONAL INFORMATION WITHOUT MY CONSENT THIS IS VERY STRESSFUL THAT IM GOING THROUGH THIS SITUATION I WOULD LIKE THIS TO BE RESOLVED SO THAT I CAN MOVE ON WITH MY LIFE THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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:
I BEEN A VICTIM OF IDENTITY THEFT. SOMEONE HAS USE MY PERSONAL INFORMATION WITHOUT MY CONSENT THIS IS VERY STRESSFUL THAT IM GOING THROUGH THIS SITUATION I WOULD LIKE THIS TO BE RESOLVED SO THAT I CAN MOVE ON WITH MY LIFE THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Business and Consumer Solutions.
State: SC

Complaint narrative:
I spoken with them several times in a year. An in XXXX they informed me yes they sold my information to a third party without my knowledge. Also, I told them that I dont owe them anything because my car was paid off by insurance XXXX an XXXX  an they said no. I also informed them that constantly calling me an telling me that my credit score would be damage was inappropriate. But on my credit they written several negative things. An I didnt give XXXX XXXX XXXX no authority to sell my information to FBCS , INC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation