vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX U.S. DEPARTMENT OF EDUCATION XXXX {$590.00} U.S. DEPARTMENT OF EDUCATION XXXX {$1600.00} XXXX XXXX XXXX {$95.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-09 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: Colony Brands, Inc.
State: AL

Complaint narrative:
I HAVE BEEN TRYING TO FIX A PROBLEM WITH GINNY 'S FOR 8 MONTHS WHERE I ORDERED SOME ITEMS AND PLANNED TO PAY IN FULL AS I ALWAYS DO. HOWEVER, GINNY 'S NEVER SENT ME A BILL IN THE MAIL, AND I ASSUMED I HAD PAID IN FULL AND HAD NO OUTSTANDING BALANCE WITH GINNY 'S UNTIL I WAS ALERTED BY XXXX  THAT GINNY 'S HAD PLACED A 30 DAY LATE ON MY CREDIT REPORT AS OF THAT DATE. I IMMEDIATELY CALLED GINNY 'S AND WAS SURPRISED BECAUSE I NEVER RECEIVED A BILL AND THE LAST TIME I HAD CHECKED ONLINE THERE WAS A XXXX BALANCE. 

I HAVE BEEN TRYING TO GET THIS MISTAKE CORRECTED BUT GINNY 'S WILL NOT BUDGE. YOU CAN CHECK MY PAYING RECORD AND SEE THAT I HAVE NEVER MISSED A PAYMENT WITH GINNY 'S -- I ALWAYS PAID IN FULL. FOR THE PAST SEVEN YEARS I HAVE AN OUTSTANDING CREDIT RATING WITH ALL MY CREDITORS, AND GINNY 'S IS THE ONLY 30-DAY LATE BEING REPORTED WHICH IS AN ERROR MADE BY GINNY 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: CA

Complaint narrative:
I have already notified experian about account number XXXX XXXX XXXX. They refuse to remove it from my report given that I have already shown them multiple documents showing this account does not belong on my report. They keep telling me that the account is accurate and verified but I have never heard of this company nor have I owned any accounts with their creditor. I recieved a letter from another company about the same account. Two or 3 companies can not own the same debt. I am requesting documentation from experian about this account that they have reporting in my file.

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 2020-11-09 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:
I applied for a XXXX credit card today XX/XX/20 and I was not approved due to a few accounts and inquiries reflecting badly on my credit report. I wasn't aware that these accounts were on my credit because none of them pertain to me. I did not open any of those accounts nor do I have any sort of written/verbal contract or agreement with any of those companies. I don't know who opened these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB in hopes of getting this resolved. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

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 2020-11-09 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Hello, I originally contacted AmeriSave Mortgage Corporation on XX/XX/2020 to arrange for a refinance of my current mortgage. That was 177 days ago and I have received numerous Closing Disclosures from them but no arrangements have been made to close the loan. I have a minimum of {$500.00} invested with them as an application fee, however, I had to pay other fees that bring the total up to more like {$800.00}. I have been communicating via phone and email with either XXXX XXXX XXXX XXXX XXXX XXXX ) the loan originator or XXXX XXXX ( XXXX XXXX ) the processor. The bottom line is that the lender is not performing. Attached is my latest Closing Disclosure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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:
I applied for a XXXX credit card today XX/XX/20 and I was not approved due to a few accounts and inquiries reflecting badly on my credit report. I wasn't aware that these accounts were on my credit because none of them pertain to me. I did not open any of those accounts nor do I have any sort of written/verbal contract or agreement with any of those companies. I don't know who opened these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB in hopes of getting this resolved. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts.

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 2020-11-09 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: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/20 and I was not approved due to a few accounts and inquiries reflecting badly on my credit report. I wasn't aware that these accounts were on my credit because none of them pertain to me. I did not open any of those accounts nor do I have any sort of written/verbal contract or agreement with any of those companies. I don't know who opened these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB in hopes of getting this resolved. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts.

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 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I ( XXXX XXXX XXXX ) applied for a mortgage modification through my mortgage servicing company PHH Mortgage. They sent me back a modification package that said i would have a balloon payment of XXXX at the end of the modification period. I have called them and talked to several people to try to get some clarification on the balloon payment. They have told me that the XXXX is in addition to the XXXX i currently owe on my loan. I couldn't believe what i was hearing, PHH mortgage company is adding XXXX to my loan amount because i am having trouble with making payments because i was forced to retire and my income is 66 % less than it has been. This is not helping me its actually hurting me in the long run. This can not be a fair practice, A mortgage company adds almost XXXX dollars to the balance of a persons loan whose income was cut by 66 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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:
This company is enabling fraudulent activity into my credit file. I called and spoke with multiple reps who refuse to remove this information. They are stating to me that I need to reach out to each company. That is not what is stated in the fair credit reporting act. Section 611 states that upon a consumer notifying the bureau of inaccurate or false information the company must conduct a reasonable investigation. It does not put the burden on the consumer. I let Equifax know about these unauthorized inquiries on my credit report from XXXX XXXX XX/XX/2020 I do not shop there, XXXX XXXX XX/XX/2020 never heard of them before, and XXXX XXXX is reporting twice on XX/XX/2020 dont know who they are either. They refuse to show me information stating that I gave authorization for these inquiries some of the reps are telling me that there is no inquiries reporting which is a lie because I called back and spoke with another rep who confirmed its presence. As I stated this company is enabling fraudulent activity into consumers information and that is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I originally fell behind on my mortgage due to an illness that I had been hospitalized for twice. Then Hurricane Harvey happens which made it even worse. Flagstar Banks departments ( collections, loss mitigation, bankruptcy, and customer service ) are not communicating all of the payments that Ive made. I was originally in a bankruptcy that was denied in XXXX. I had been making payments of over {$5600.00} a month since XXXX of this year to the trustee XXXX XXXX XXXX XXXX. It was stated that the payments were made to the mortgage company ( Flagstar Bank ). We requested a hardship through them when COVID started that they stated that we could not do it because it wasnt an FHA loan, which of course it is. They told me that I had to go through loss mitigation to resolve the issue before they could grant a forbearance. I sent paperwork AND regular mortgage payments to them in the process since XXXX. They refused XXXX and XXXX they claim due to the loss mitigation process. Then, today, I was told that I was denied because I had already filed loss mitigation in the past twenty four months and that I had 14 days to appeal it. I would have never known this if I had not been reaching out to them almost everyday to follow up regarding the application. Apparently Im in active foreclosure status. The payments that I made was not applied to the account properly. Theyre claiming that the payments that I made were applied to other fees which were not posted. Of course I wasnt privy to these hidden fees theyre claiming. Im beginning to feel as though they are purposely doing this to take my home. I need help with getting this situation taken care of. I truly believe theyre not willing to help me remedy this situation so that they could take my home.

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 2020-11-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX U.S. DEPARTMENT OF EDUCATION XXXX {$590.00} U.S. DEPARTMENT OF EDUCATION XXXX {$1600.00} XXXX XXXX XXXX {$95.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX U.S. DEPARTMENT OF EDUCATION XXXX {$590.00} U.S. DEPARTMENT OF EDUCATION XXXX {$1600.00} XXXX XXXX XXXX {$95.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays was offering me a {$20.00} statement credit when I used use their card three times to place orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX, from XX/XX/XXXX until XX/XX/XXXX. 

I did so. 

It has been over 5 months. I have not received the {$20.00} credit. As a result, I canceled the card when the annual fee was charged. 

Please remit the {$20.00} owed as a check, as I no longer have the card.

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 monetary relief
Consumer complaint received 2020-11-09 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:
I have repeatedly tried to get my free credit report and freeze my credit report which Equifax has repeatedly denied. 

XXXX2020 I initially FAXED my Texas driver 's license and SSN card to Equifax as required after denying to issue my annual free credit report - their response was to send a denial letter stating I had to prove I had an old PO Box address my father used which was no longer valid. 

XXXX2020 After a second denial letter not allowing me to see my own credit report and not allowing me to freeze my report I sent a certified letter indicating my current correct mailing address on my Texas Voter Registration card issued by the Texas Secretary of State and my driver 's license as well. As stated in my letter I am refusing to send my SSN to Equifax again as every time I do I risk suffering ID theft like already happened to one of my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: OH

Complaint narrative:
I submitted a fraudlanlent invstigation on XXXX  XXXX account. I called XXXX  XXXX and reported it they stated the account balance is currnet a XXXX. So I report the fruadulant complaint to all creodt bureaus and the credit Bureau of XXXX, Transunion and XXXX  chnage the balcnae to maximum XXXX out of a XXXX credit limit because. XXXX  XXXX stated the account balance was XXXX in XX/XX/2020 and {$0.00} XXXX since XX/XX/2020. However, XXXX  and tranasunion change the balance from {$0.00} blance to XXXX on XX/XX/XXXX after I requested an investigation. I shouldn't be placed with inacurate balances to decrease my score by XXXX points related to an investigation. I have a balance letter from XXXX  XXXX stating {$0.00} balance

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 2020-11-09 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: OH

Complaint narrative:
I submitted a fraudlanlent invstigation on XXXX  XXXX account. I called XXXX  XXXX and reported it they stated the account balance is currnet a XXXX. So I report the fruadulant complaint to all creodt bureaus and the credit Bureau XXXX Equifax, XXXX  and XXXX  chnage the balcnae to maximum XXXX out of a XXXX credit limit because. XXXX  XXXX stated the account balance was XXXX in XX/XX/2020 and {$0.00} XXXX since XX/XX/2020. However, Equifax and XXXX  change the balance from {$0.00} blance to XXXX on XX/XX/XXXX after I requested an investigation. I shouldn't be placed with inacurate balances to decrease my score by XXXX points related to an investigation. I have a balance letter from XXXX XXXX stating {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: OH

Complaint narrative:
I submitted a fraudlanlent invstigation on XXXX  XXXX account. I called XXXX  XXXX and reported it they stated the account balance is currnet a XXXX. So I report the fruadulant complaint to all creodt bureaus and the credit Bureau of XXXX, XXXX  and Experian chnage the balcnae to maximum XXXX out of a XXXX credit limit because. XXXX  XXXX stated the account balance was XXXX in XX/XX/2020 and {$0.00} Balance since XX/XX/2020. However, XXXX  and XXXX  change the balance from {$0.00} blance to XXXX on XX/XX/XXXX after I requested an investigation. I shouldn't be placed with inacurate balances to decrease my score by XXXX points related to an investigation. I have a balance letter from XXXX  XXXX stating {$0.00} balance

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 2020-11-09 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: TX

Complaint narrative:
This is the THIRD request that I am sending to remove incorrect personal information on my credit report. Please remove this incorrect information ASAP and send me an updated copy of my credit report to reflect these changes. 

The following names are incorrect and need to be removed from my credit report XXXX XXXX, this name is incorrect and inaccurate please delete from my credit report XXXX XXXX XXXX, this name is incorrect and inaccurate please delete from my credit report XXXX XXXX XXXX, this name is incorrect and inaccurate please delete from my 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 non-monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have filed complaints with CFPB regarding Discover Card. Their letters reflect : " Should you have further questions or concerns, please feel free to contact me at XXXX. I am typically available XXXX, XXXX XXXX. to XXXX XXXX. ( ET ). Sincerely, XXXX XXXX. Executive Office of Customer Advocacy '' This is false. I have called and left messages with no return calls.

Company response to consumer: Closed with explanation