vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 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: CA

Complaint narrative:
Please review the attached documents. I sent a letter along with an enclosed check for {$110.00} dollars. In the letter I stated the following : Enclosed is a check for {$110.00} for the above mentioned account XXXX. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full. 
2 ). You agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX  & Trans Union and any others your currently reporting to. 
3 ). All collection attempts & activities shall cease. 
4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector. 
5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

I sent the letter certified and asked for return signature. They cashed the check but failed to comply with the terms of cashing the check. I also wrote the same information in the Check Memo section.

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 2019-06-18 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: CA

Complaint narrative:
Please review the attached documents. I sent a letter along with an enclosed check for {$110.00} dollars. In the letter I stated the following : Enclosed is a check for {$110.00} for the above mentioned account XXXX. 
Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including Experian, Equifax & Trans Union and any others your currently reporting to.

3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

I sent the letter certified and asked for return signature. They cashed the check but failed to comply with the terms of cashing the check. I also wrote the same information in the Check Memo section.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please review the attached documents. I sent a letter along with an enclosed check for {$110.00} dollars. In the letter I stated the following : Enclosed is a check for {$110.00} for the above mentioned account XXXX. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including Experian, Equifax & Trans Union and any others your currently reporting to.

3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you.

I sent the letter certified and asked for return signature. They cashed the check but failed to comply with the terms of cashing the check. I also wrote the same information in the Check Memo section.

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 2019-06-18 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: TX

Complaint narrative:
A man came to my door to ask if I wanted to have solar panels on my house for free. He said no cost to me. He took some information from me and the next thing I know. Im getting an email signed by me that they can check my credit bye never asked to check my credit, never gave paperwork for me to review, I never signed anything. The agent did this all without my permission.

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 2019-06-18 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:
To whom it may concern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit 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 2019-06-18 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:
To whom it may concern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Our Bi-weekly ACH withdrawal amount increased more than expected and we suspect the escrow analysis was done before we submitted a one time escrow balance due in XX/XX/2019. Although the insurance increased slightly, the numbers do not add up to the overall payment increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I purchased a car on XX/XX/2019. I was given a copy of an XXXX Credit rating that was XXXX. I immediately contacted XXXX to inquire and was given a much higher score by them. I contacted Carvana on XX/XX/2109 to inquire and was told there was nothing that could be done. They said if I was not satisfied I could refinance through another lender. 
I believe I was intentionally told I had a lower credit score to give a loan at a high interest rate. The form sent to me by Carvana with an XXXX header seems suspect to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: MO

Complaint narrative:
XXXX XXXX REPORT TO EXQUIFAX THAT MY LOAN PAST DUE {$780.00} WHICH ISN'T CORRECT. MY ACCOUNT ISN'T PAST DUE. XXXX XXXX NEEDS TO MAKE SURE THEY HAVE REPORTED TO ALL CREDIT BUREAUS MY ACCOUNT IS CURRENT. THEY ARE INTENTIONALLY NOT REPORTING CORRECTLY IN MY OPINION. THEY CORRECT TWO, AND THEY ONE THAT WAS CORRECT THEY MESSED UP.

** ALL CREDIT BUREAUS SHOULD BE CORRECTED IMMEDIATELY!! **** MY ACCOUNT ISN'T PAST DUE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
when applying for modification Bank of America hired Recontrust to begin foreclosure Recontrust never licensed in AZ We were forced to sign a loan modification Our original mortgage was {$330000.00} Bank of America added another {$110000.00} deferred Now sold the loan to 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 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
Hunter Warfield says I owe {$830.00} I reached out to this people and asked for a signed contract with my signature on it they could not provide that. Placed for collection XX/XX/XXXX17

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I was a consumer with XXXX. Recently, due to litigation, XXXX transferred my loan to Loan Care. Prior to my experience with XXXX, my payment was {$1900.00} a month. Suddenly, with no explanation, my payment became over {$2200.00} with Loan Care. When I contacted Loan Care, they said that an escrow analysis had been done back in XXXX, saying I was short on my taxes and insurance by over {$2000.00}. This had NEVER happened in my entire time having my mortgage. And, I never received the loan analysis. When i contacted Loan Care, they put in for another " escrow analysis ''. 

This is unconscionable. And also a breach of contract. This increased my payment by over $ 200.00/month suddenly. I have never had that happen in my life. There has been on-going fraud with XXXX and I fear that Loancare is just taking up the baton. Someone needs to investigate this, as it appears to be mortgage fraud.

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 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Two credit card accounts with 5th/3rd was opened fraudulently in my name. 

1. Fifth Third Bank opened on XX/XX/18 balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: MN

Complaint narrative:
Transunion I'm filing complaint and Putting your company of Legal Noticed You are Not conducting proper Investigation also you keep sending back that the creditors had verified I'm giving you a 30 day Legal noticed that action will be taking place! I'm not sure why the CFPB is not doing more that what they are doing as well I have requested from your office to respond back Via this site and you fail to do some Its plain and Simple that is proof that you are not conducting investigation But Again Legal action will follow I promise 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 2019-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
My mortgage payment increased from {$730.00} to {$930.00}, due to an adjustment that was not specified by the mortgage servicers. This payment increase caused me to fall behind and trapped me into foreclosure ... there is a pending sale date set for XXXX. Since the loan is backed by FHA, I asked for mediation hearing to be completed per 24 CFR 203.604. Carrington Mortgage ( CM ) denied access to the mediation hearing. I also applied for mortgage assistance via FHA partial claim. Since I have paid FHA insurance for over 25 years, a partial claim should be definitely available for disbursement. Per FHA regulations 24 CFR Section 203.604, there is a requirement for all mortgagees to meet face to face with the borrower before serious delinquency leads to foreclosure. Both Carrington has refused to report loss mitigation information to FHA, so they are in violation of the False Claims Act ( FCA ) 31 USC 3729 -3733. Since Carrington has refused to address the critical issues within this  complaint, I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Sequoia Financial Services
State: CA

Complaint narrative:
Sequoia Financial Services # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The payment to the credit holder WF/XXXX was paid on time prior to the regularly scheduled due date. Due to a fraudulent alert when the payment was processed by Wells Fargo the payment did not go through. In contacting Wells Fargo they agreed that the payment was paid before the due date and that they caused the fraudulent alert on my account causing the payment which was made on time not to process through their systems until after the due date. WF/XXXX   representative agreed to remove the delinquent payment notification to all of the credit bureaus. This has not happened. I have also tried to work through their dispute systems and they have not been willing to correct the information on the account. The incorrect information shows the account was delinquent on XX/XX/2016. Wells Fargo is the collector for XXXX who made the mistake in processing the payment on time.

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 2019-06-18 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: NCC Business Services, Inc.
State: GA

Complaint narrative:
My credit report shows I have a collection account with NCC Business Services. It shows I owe {$770.00} reporting on XX/XX/2017. This information is incorrect. I have never done business with NCC Business Services and I dont owe them any money. I disputed this account several times. I was sent an old lease from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
When I was a teenager, my mother opened an internet and cable account with XXXX XXXX using my name and social security number. I was unaware of her actions, and she never once told me she had done so. 

Sometime in XXXX of XXXX I received communications from a debt collection agency, XXXX XXXX of XXXX Florida regarding an unpaid debt with XXXX XXXX. After our initial contact, I spoke with my mother about this debt. She admitted that she had opened the account, and had never paid the final bill after moving. As such, I was stuck with the remaining debt and collections that were now added to my credit report. 

I contacted XXXX  XXXX  again in XXXX of XXXX, and paid the balance of {$110.00} in full to avoid any more negative history on my credit report. At this time, I requested to have this negative remark removed from my report, which was promptly denied. 

This negative remark on my report caused issues while applying for various lines of credit in the years XXXX and XXXX, which pushed me further into a financial sink hole, while I was trying to fix and rebuild my credit. I contacted XXXX XXXX again during this time period, and was once again denied my request to have this negative remark removed. 

Flash forward to XXXX, and I am finally learning the ins and outs of how credit works and I am actively making sound financial decisions in order to build a solid credit history. This negative remark on my credit history, which is due to no fault of my own, is causing issues with my current credit health again as I am trying to access and utilize new lines of credit. 

I contacted XXXX XXXX a third time on XX/XX/XXXX in an effort to have this negative remark removed from my credit report, and was again denied.

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 2019-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The company is Equifax. I found out about the problem on XX/XX/2019 when sitting in the office of Credit Union ( CU ) CampusUSA in XXXX, FL trying to open an account. The CU was not able to pull a report on me, stating Equifax had nothing on me. I called Equifax and at 3 different times I was told they could not pull my account up and try later. I finally got a person who told me, that if I believed that I had a credit history, I needed to dispute that because they show I don't. I explained XXXX  and XXXX  had reports - 37 pages long. Equifax has had reports on me, as I pull my free report every year. Equifax had me fax and US mail a dispute with my Drivers License and Social Security card and note of my dispute. I did this on XX/XX/2019. I called Equifax today and they could not find my file. With all the info I gave they told me that my middle name had become my last name. Equifax stated that I did not send legible documents ( they were professionally copied at XXXX XXXX and were legible ). Equifax told me a creditor had made my middle name my last name and I would have to send another dispute for my name correction and legible documents. Equifax refused to tell me what creditor changed my name and refused to contact that creditor. Equifax would not tell me what company had changed my name. Equifax told me that a Social Security card and Drivers license with the correct name was not enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.

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 2019-06-18 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: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.

Company response to consumer: Closed with explanation