vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 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: FL

Complaint narrative:
I checked my credit report to make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. Please investigate and remove these accounts from my credit report. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: FL

Complaint narrative:
I checked my credit report to make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. Please investigate and remove these accounts from my credit report. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
The leased vehicle was traded in and XXXX has confirmed that it is paid off however they refuse to update all XXXX of my bureaus to reflect a zero balance and a zero payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Wrote to Equifax requesting 2020 free credit report requesting corrections of removing negative items over 7 years in XXXX and they just ignored me and violated my rights by 1 ) NOT sending my FREE Report 2 ) Refusing to remove items of negativity XXXX yrs according to Texas and 7 years I assume since I did not receive in 2020 Still today XXXX  has NOT sent me any credit report which violates my rights and affects my buying power at the correct APR and affects my score. This is not fair to the consumers they have caused my credit score to be incorrect affecting my buying power and APR. With all the negative items I should have been at or close to score of 750 or more and they have caused me to pay more interest for a purchase because of their neglect to remove negative items my score was incorrect and I was charged a higher interest rate. 

What do I do to get compensated for having to pay more probably $ XXXX interest when it should have been less interest if my score was correct? 

So what happens now since they have violated my rights and how does all of this get resolved including getting the {$4000.00} plus back for them not correcting items and removing items for my score to have been corrected. 

Sincerely, CP XXXX Attachment : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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:
I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX please delete remove any other variations of my name. I have a few addresses that I never lived at on my credit file they are fraudulent addresses, please delete : XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX My current and only address is XXXX XXXX XXXX XXXX NC 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 2021-01-21 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: Regional Management Corporation
State: TX

Complaint narrative:
Over 1 year ago and 30 days ago, I sent a letter. Regional Finance XXXX XXXX XXXX XXXX XXXX, SC XXXX account # XXXX they have been reporting on XXXX  and XXXX  that I have an account with them that was charged off. I have never owned or asked for any loan with this company. I have repeatedly asked for XXXX and XXXX to remove it and it comes back as verified as accurate, which is not. I also sent them a letter, but they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I tried adding my wife to my XXXX XXXX bank account and it was denied. we were told that we would receive a letter in the mail explaining why she was denied. Instead we received a letter from the bank that said to contact early warning systems. we contacted them on XX/XX/XXXX, and we were told it would take 15 days. I understand when the law was passed it took time but with the advent of computers, internet, and email the time frame to send out the reports should be reduced to XXXX to XXXX business days. Additionally, the banks should have to directly provide the information in a letter instead of saying to contact the third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, Wells fargo has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither Wells Fargo, nor the credit reporting agencies have corrected the issue. I am showing XXXX past due payments, and none of them were ever past due. I have fought with this company for the past 4 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 2021-01-21 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: Convergent Resources, Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. An account for XXXX with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with XXXX directly and have been told to contact Convergent Outsourcing to initiate the dispute. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations. This complaint should serve as notice that Convergent Outsourcing may contact me in writing only regarding this account.

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 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CT

Complaint narrative:
XXXX Working with XXXX Mortgage and Caliber Home Loans to resolve incorrect Hazard & Earth Quake insurance for {$1700.00} per month forcing me into Bankrupcy and foreclosure in 2016 Told in XXXX was receiving a credit and it never came XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My lender, XXXX ( a state of New Jersey student loan agency ), granted me a forbearance in light of a XXXX hardship. However, XXXX failed to properly process that forbearance and as a result, misreported delinquencies to all three credit bureaus for the months of XXXX 2020. XXXX has since acknowledged its error and seemingly corrected the misreporting with XXXX  and XXXX, but there has been a complete breakdown in communication with Experian. 

XXXX has confirmed multiple times, in writing, that no delinquencies should have ever been reported -- they do not dispute whatsoever that the initial mistake was theirs. However, XXXX keeps saying that they have done everything possible to correct the matter with Experian, but Experian must be failing to make appropriate corrections on their end. 

Experian, on the other hand, claims that XXXX continues to indicate delinquencies for the months of XXXX, notwithstanding several formal disputes that I have initiated with Experian. With regard to those disputes, XXXX claims that they were never contacted by Experian regarding any dispute, while, as noted, Experian claims XXXX was contacted and indicated the delinquencies should remain on my credit report. 

I have attempted for more than SIX MONTHS to resolve this. There is seemingly no way to bring XXXX and Experian into contact with one another in a way that transmits an accurate correction of my credit report from XXXX to Experian. I have ample documentation confirming everything explained above. 

My primary contact at XXXX is XXXX XXXX, whose email 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 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NJ

Complaint narrative:
{$330.00} Original creditor : 05 XXXXXXXX XXXX XXXX XXXX  {$1000.00} Original creditor : 01 XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1800.00} Original creditor : 11 XXXX {$550.00} Original creditor : 01 XXXX I've contacted this company many times asking for a validation of debt since they couldn't verify these accounts their are stating that I owed I ask them to remove these fraudulent I didn't approve that was open in my name. 
they Keep violating my rights I wouldn't send me a copy of validation of debt according to my consumer rights. I told them this is unfair practices according to 15 USC 16g2f I also keep asking for a validation of debt. the name of the creditor of whom the debt is owned. I ask for them to not just remove these fraudulent statements and representation of that that the have fail to provide proof of such debt they said I've owe that they should be Delete from my Credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
This is my XXXX email attempt to find out why my BofA account has not been reactivated. I have called both XXXX and BofA multiple times to discuss this matter, but have yet to have it resolved Recently I received an email from BofA, where they updated my email account, and today I received an email from XXXX to verify my identity with ID.ME. My identity information has been uploaded into ID.ME account since XXXX and has been verified. 

This is now going on XXXX weeks that myself and my family have had to endure without my much needed XXXX XXXX. We have had to beg and borrow in order to survive. Our phones have already been disconnected once, and are do to be again soon. My car is currently delinquent and will soon be out for repossession. 

At this point I am due XXXX back payments, and coming up on a XXXX, in addition to the {$300.00} federal stimulus that is due. 

I am begging for assistance and would appreciate any information to help me move this process along. I've been informed that as of the XXXX of XXXX my ID has been verified, and that the request for a back payment check and authorization for BofA to reactivate my account. Today is the XXXX and still nothing. I am begging for someone to please get my account reactivated 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 2021-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Fir the last 4 months citizen bank mortgage department has been putting road block after roadblock up while I was applying for an equity line of credit. I should have qualified, but they continually asked repeatedly for documents I already sent ; then they had me send documents to many different people ( via email ) Each time I have sent them information, they kept asking for the same information in a different way. 
I am a long time premier customer, who has been treated like I dont have any money to back up my qualifications for this loan. 
I feel they are dragging their feet because of my age, and gender, snd marital status. 
There is plenty of documentation that should allow me to qualify. 
They have made plenty of money from my accounts, over the years from Mortgages and pension program I started there. 
I have a great credit score and money to back up the equity line of credit. 

I feel their mortgage department should be investigated especially denials to customers, who are older, female, and single.I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. An account for COMENITYCB/XXXX  with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with COMENITYCB/XXXX  directly and have been told to submit the attached documentation. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FIRST INVST SVC/FIRST IN Inquired on XX/XX/2019, XXXX XXXX XXXX Inquired on XX/XX/2019, XXXX XXXX Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2021-01-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I had some random accounts show up on my equifax credit report ONLY. I did not recognize ANY of these accounts and noticed that they were decades old but were randomly reporting as " New '' and recently closed. When i looked at the accounts which were from XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX AND XXXX mastercard. These accounts were listed as closed effective 2008 and paid 2008. They are past 7 years, They are past 10 years. I don't know why they are randomly showing up on my account and they are decades old. Since the time limit for negative information has passed ( and this is negative because it is showing up as recently closed and closed by credit grantor ) and the time limit for positive information is 10 years, ALL of these accounts are past the time limit for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
On XX/XX/2020, I paid the property taxes for the a property I own. The tax office for XXXX County ( South Carolina ) shows this payment on XX/XX/2020 from their website as expected. I forgot this particular property was escrowed and the escrow agency disbursed a payment on XX/XX/2020. I have contacted XXXX County they have told me they return all duplicate payments to the sender. 

The loan servicer is not assisting with checking the status of the check, and will not refund accordingly. They say they have to wait until the check is returned before anything can happen, which makes sense but it's been over a month and they do not have any information for me on next steps. I am concerned this return may have been lost and I do not seem to have any other options at my disposal to get a refunded payment.

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 2021-01-21 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: CORELOGIC INC
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

OnXX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, CREDCO add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-21 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: UT

Complaint narrative:
In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, XXXX XXXX  has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither XXXX XXXX, nor the credit reporting agencies have corrected the issue. I am showing 34 past due payments, and none of them were ever past due. I have fought with this company for the past 4 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 2021-01-21 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: UT

Complaint narrative:
In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, XXXX XXXX  has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither XXXX XXXX, nor the credit reporting agencies have corrected the issue. I am showing 34 past due payments, and none of them were ever past due. I have fought with this company for the past 4 years.

Company response to consumer: Closed with explanation