vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Saw on an Experian report an address for me that is wrong ... .never lived there ... never used it Called Experian and they said they couldn't fix it but would send a copy of my credit report. This came today, It still shows an address that is wrong. never used. 
The incorrect, never used address on the report is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, WI XXXX and has been for more than ten years.

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 2020-09-21 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: CORELOGIC INC
State: TX

Complaint narrative:
Hello Dear, I received an alert from credit bureau that CREDCO/QUICKEN LOANS has completed a " hard inquiry '' in both me and my wife 's name. 
I immediately reached out to XXXX XXXX who is a Quicken Loans agent to see why they have made a hard inquiry in both of our names without authorization. The agent has informed me that the information was sent from XXXX to them to do so. XXXX  is my Home and Car insurance company, I contacted them as well and spoke to my account manager XXXX XXXX XXXX XXXX and XXXX XXXX who is the owner of the XXXX  office. They admitted of making a mistake of sending over my information to Quicken Loan to run a hard inquiry but are not ready to fix the issue. I spoke to them again on XX/XX/XXXX and XX/XX/XXXX but they are not showing interest of fixing the privacy harm caused to us. 
I contacted XXXX  to dispute the record and take legal action against the company, but was advised by XXXX  to open this compliant. 

Prior to this issue, I have on some many occasions advised XXXX not to run any hard inquiry in our names. I have communicated this to XXXX and XXXX XXXX on phone and via email.

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 2020-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I do not recall missing a payment for capital one nor XXXX XXXX XXXX. I reached out to these two companies time and time again to help correct the error and I was informed that the matter would be handled accordingly. I was told that it was an error on their part and the issue would be forgiven. This has not updated to reflect on my report and I am pleading with you and to please correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I need to temporarily unfreeze my credit in order to refinance my mortgage. I had no problem doing so with XXXX  and XXXX  using my login and password and pin information for each. 
However, Experian insists that I send them a letter via USPS with all types of identification information, despite the fact that I have my Pin. All of the information provided by Experian on-line claims that if you have your pin, you can easily unfreeze your credit, but both on-line and over the phone ( using their automated system ) I was denied this ability. In both cases, I was required to provide date of birth, social security information and address, in addition to my pin, but was still denied and told to provide the same comprehensive list of documents by USPS. This is ludicrous. Also, there is no way to reach a real person at Experian. So I have exhausted all of my resources and have nowhere else to turn. 
I am at their mercy, through no fault of my own. If I could " fire '' them, I would and just stay with the other 2 companies, but I have no choice in the matter and no recourse. 
The date of these transactions is 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 2020-09-21 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: GA

Complaint narrative:
An account was allegedly opened in my name at an address I didn't live at. Apparently an account was opened XX/XX/2019, at XXXX XXXX XXXX XXXX in XXXX GA. I have never lived there, nor did I authorize this account to be opened in my name or cosign for anyone. 

I keep explaining that I never lived at the said address and the account opened was not opened by me nor did I authorize for it to be opened in my name. No one wants to make the creditor show proof I opened the account. I ask for either a recorded call, an electronic or physical signature where I authorize use of my name to open this account or where I opened the account. Secondly I've owned my house since XX/XX/2019, i got free cable the entire year of XX/XX/2019. I would not need to get cable plus I live at XXXX-XXXX-XXXX-XXXX-ga-XXXX. I was not living at XXXX XXXX XXXX XXXX when this account was opened. I have never lived at XXXX XXXX XXXX XXXX. Everyone is passing the buck instead of producing some for of proof i opened this account. 

XXXX XXXX, XXXX XXXX XXXX and the other major credit reporting agencies are violating my rights and grossly reporting inaccurate information that is adversely impacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I called Barclaycard in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted Barclaycard l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.

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 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
During the pandemic I was looking for a product called peak and my state was on lockdown and could not purchase anywhere due to supply shortage. I found a post on XXXX XXXX XXXX that a seller had the item I wanted listed for {$250.00}. I am new to cashapp so I did not second guess sending him money through there Ive heard of it and its a popular app. The pictures had the sellers name and date attached on his sale post so I thought he was legit. I sent the money and the seller blocks me. I call my bank to make a claim and provide proof of the seller messages, seller pictures of item, and even after a few days I have proof that he scammed other people in the group as well. Im not mad about the money but I feel like my money should be protected especially during a time like this when tensions are high. My bank knowing all the info denied my claim and let the criminal rob me out of my money. Ive never had a problem with Chase bank but I might have to change banks after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: FL

Complaint narrative:
On XXXX XXXX i used World Remit Mobile Money to send some money to XXXX XXXX in XXXX. I have been doing this for months. I forgot the password on my account and so World Remit closed it without telling me or allowing me to fix my password. They asked me to open a new account and would be sending me some papers asking for ID info on the new e mail acct. I never got the forms and I have a transraction number on the funds on the OLD account which i have no idea how that happened if that acct was closed. I called them and would put in the transaction number and would ask me to hit the HOME BUTTON. I have no idea what the HOME BUTTON is on on a land line phone and then would hang up on me before I could talk to anyone. I wrote to them on XXXX XXXX and as of the afternoon of XXXX XXXX I have not heard from them and they have taken the money out of my checking acct. Have called the bank on this and told them not to pay it. I do not understand why World Remit would close acct that I have been using for months just because i forget the password and wanted me to open a new acct and not send me the forms on the new or old e mail addresses. The amount is {$20.00} XXXX XXXX dollars USA ) I had to use an new company to send the money and would like my {$20.00} back from World Remit Mobile money and will not use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I was approved for a TPP Loan Modification plan on XX/XX/2020. It required that I make 3 TPP payments for XXXX, XXXX and XXXX of {$1900.00}. I made all 3 payments on time and have continued to make the payments due for XXXX, XXXX, and XXXX. I received and returned the executed and notarized Final Loan Modification to the lender and confirmed its reception with the lender. 

However, i received a notice shortly afterwards that the Final Loan Modification was denied due to my ex-wife not signing the document. I was not informed that she had to sign the document since i previously submitted the Marital Settlement Agreement and the Quit Claim Deed to the lender, when I initially submitted the Loan Modification package, and the lender acknowledged that i held the only interest in the property. 

Due to this, the TPP agreement only required my signature and my ex-wifes name was removed from the loan correspondences i received. In addition, only my information was provided for the Loan Modification review. I appealed the result and they stated that they did not have to inform me if there was an issue with the documents and that the QCD should have been submitted with the Final LM documents, even though they confirmed that they already had the QCD and the martial settlement agreement under my file prior to me receiving the Final LM agreement.

As with the TPP Agreement, i was informed by the lender that my ex-wife should not have been required to sign the documents since i was awarded the property in the divorce and title was transferred to me only. As is stated in the correction documents, the lender had the requirement to let me know if there was an error with the LM documents so they could be corrected. By not finalizing the LM there has been a breach of the contract terms and requirements by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Due to COVID-19, Specialized Loan Servicing ( SLS ) authorized us three months forbearance with 100 % no negative reporting impact ( XXXX XXXX, XX/XX/2020 ). Payment resumed XXXX of 2020 for {$3500.00} which include {$2600.00} original payment plus extra interest of {$890.00} for 6 months to offset the forbearance missed interest. This was offered by SLS with 100 % no negative impact ( credit bureau or penalty ). 
SLS lied about the offer and as soon as we started the payment plan in XXXX of 2020, SLS reported me and my wife to the three credit bureau ( XXXX, XXXX and XXXX ). This costed us -75 points while we are trying to refinance to reduce mortgage payments. 
It appears that SLS is making a habit of this and the XXXX  reported more than 770 cases against SLS. The agreement payment plan has another third party witness

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 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I received an email from Genesis debt collectors on XX/XX/20 that I owed a debt. I was then called one single time by XXXX XXXX while I was at work on XX/XX/20. On Friday XX/XX/20 she called my place of employment 3 times trying to get ahold of me. I told her that I was unable to talk at that time and I would call her when I got out of work after XXXX XXXX. When I called her after work she proceeded to attempt to force me into placing the $ XXXX debt on my credit card in order to save my credit and I didnt qualify for a payment plan as I have not personally been effected by COVID-19. She then proceeded to bully me into gathering my card number and information and post-dating a payment for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom Mortgage was increasing my monthly payment each year even though I had a fixed rate mortgage. When I questioned it, they said I had to keep a certain balance, {$520.00} in my escrow. The next year, I had over {$700.00} in my escrow when the anniversary of my mortgage hit, they waited until two months after the anniversary of my mortgage, after my escrow dipped below {$500.00} and then the upped the amount of my mortgage payment again. When I questioned it they said they would look in to it and never got back to me. I recently sold my house and they were very difficult, they wouldn't give the title company the payoff even though I signed paperwork that they said the could. In the payoff, there were two months of Mortgage Insurance Premium. When I asked about it they said because it was because it is paid in arrears. So the entire amount was paid at closing. As of the date of the closing, I had {$90.00} in my escrow. They are refusing to return it to me. They are now claiming it is for mortgage insurance premium. However, as stated, that was paid at closing. They are unethical and should not be allowed to due business. They make you increase the amount you keep in your escrow every single year, they claim they don't make money of the escrow accounts but I find that highly unlikely. They need audited.

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 2020-09-21 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: NC

Complaint narrative:
MY CAR WAS STOLEN WITH MY WALLET INSIDE.

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 2020-09-21 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: NC

Complaint narrative:
MY CAR WAS STOLEN WITH MY WALLET INSIDE.

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 2020-09-21 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: PA

Complaint narrative:
I have made attempts to resolve this matter with Experian via letter and phone. 

XX/XX/2020, I submitted a dispute letter regarding information that XXXX XXXX XXXX   XXXX XXXX  provided to Experian. In such correspondence, I stated that [ t ] his was a Business Credit Card for which I am not personally responsible. I specifically requested that I be provided with evidence of personal responsibility or remove this from my report. According to the certified mail records, Experian received my letter on XX/XX/2020. I have not received a reply to my dispute. 

I contacted Experian via phone on XX/XX/2020 regarding the dispute, only to learn that they had no begin to work on the dispute. I was advised that my letter may still be in the mail department. I advised Experian that I sent a certified letter on XX/XX/2020 and that they received it on XX/XX/2020. In the telephone conversation I requested that this account be removed from my credit report immediately. The telephone representative advised me that he would initiate a dispute now, and it may take an additional 30 days to resolved. 

I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score. My original dispute was filed 38 days ago ( on XX/XX/2020 ). Experian has had ample time to resolve to this 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 2020-09-21 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: IA

Complaint narrative:
The long and the short is XXXX XXXX reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in XX/XX/2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from XXXX XXXX. XXXX XXXX says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and XXXX XXXX still reported as a bad debt, as of two days ago.

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 2020-09-21 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: IA

Complaint narrative:
The long and the short is XXXX XXXX reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in XX/XX/2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from XXXX XXXX. XXXX XXXX says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and XXXX XXXX still reported as a bad debt, as of two days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: IA

Complaint narrative:
The long and the short is XXXX XXXX reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in XX/XX/2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from XXXX XXXX. XXXX XXXX says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and XXXX XXXX still reported as a bad debt, as of two days ago.

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 2020-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I attempted to contact company several times to attempt to settle the debt since i was no longer able to make payments due to XXXX. I made payments based on what i could afford until i was not able to make payments when corona hit. I talked to several different reps who told me that I could not settle and make payments until it was down until i could pay off. The company is very rude provide inaccurate information from rep tp rep and calls 5 times out the day and when i answer the reps always hang up. My contacted company on XX/XX/2020 and advised that i previously requested for a settlement that i could pay for about 2 months and then pay off in which the rep agreed and told me she could not send me nothing in writing but to log onto account and it would be there, I checked the account several days before attempting to contact company again just to find out the information given was inaccurate again and that i could settle but i have to pay upfront and that my account do not qualify to settle and make payment for 2 months and then pay remaining balance I asked for proof in the contract where it stated that ( in which i didn't get ) it does not state that in the contract. The rep told me that the account has to accrue more interest before i could settle and make payments. I find that rip off and hideous and is not disclosed upfront. I just want to settle for the XXXX and make payments for 2 months and payoff

Company response to consumer: Closed with explanation