vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The account reported a late payment for XX/XX/XXXX during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.

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 2020-06-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The account reported a late payment for XX/XX/2020during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The account reported a late payment for XX/XX/2020 during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.

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 2020-06-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened my computer to find two charges totally nearly {$2000.00} charged on our Chase Card, that services Amazon Prime. I called it in to Chase and they reported it as fraud. Later that day, a {$60.00} and a {$200.00} charge to same card. I reported them. That particular account was cancelled. On XX/XX/XXXX, {$990.00} was deducted from our personal savings acct. at XXXX XXXX  in the form of a XXXX XXXX XXXX. I worked with our bank and we were reimbursed for that. Today, XX/XX/XXXX, there are four {$25.00} gift cards from Amazon charged. The first account was cancelled and I have not even received the new card yet ( which I had them cancel also ) How can this be happening if I don't even have an active credit card for the account???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$240.00} DPTEDXXXX {$4200.00} XXXX {$5000.00} XXXX {$4200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$240.00} DPTEDXXXX {$4200.00} XXXX {$5000.00} XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NY

Complaint narrative:
Our office would like to accelerate this file to the investor of the loan. We do not believe that the investor is aware of a down payment offer made during the last modification request of {$100000.00} We understand, as per the denial, their contractual payment will increase should the modification be approved however, our clients are now generating the necessary income to sustain the higher payment. Mr. and Mrs. XXXX are doing very well with their finances and have offered a down payment of {$100000.00} in efforts to lower the amount that is owed to Midland Mortgage. Although they can sustain the current or a higher PITI payment, they do not have the ability to reinstate the loan. Thir current escrow shortage is on or about {$150000.00}. 

As per our records our clients unpaid balance with arrears is on or about {$810000.00}. Should our client be allowed to keep the current deferment of {$220000.00} with a down payment of {$100000.00} the interest bearing portion of the loan would be on or about {$480000.00} yielding an estimated monthly contractual payment of {$5200.00} ( PITI ) if allowed to have a 30 year maturity. Although this is higher that their previous payment, our client has the ability to sustain the higher payment. Our client has sustained a bankruptcy trustee payment of {$5700.00} per month proving that they can sustain a higher payment. 

If our client is provided with a waiver and allowed to receive a deferment for some or all the arrears, they will be able to resume their mortgage payments to Midland Mortgage. If possible, moving the maturity date to 30/40yrs at a lower interest rate, the payment will be affordable. This waiver would allow our client to resume making their payments and save their home. Our clients are devoted to saving their home and keeping it in their family indefinitely. 

Mr. and Mrs. XXXX became delinquent on her loan due to circumstances outside of their control. Although they were modified in the past, they suffered additional hardships forcing them to default again. Their hardship is now over. Unfortunately, they encountered a temporary loss of income and unforeseen extensive property damage due to hurricane Sandy and hurricane Irene forcing them to default on their loan. They depleted their savings trying to keep current however, they were not able to keep up. Our clients are now employed full time and can resume making their payments should a waiver be granted. 

Our client is committed to paying their debt to Midland Mortgage and the current investor of their loan. If they are given the opportunity to resume their payments, they will not default again. Thank you for your time and consideration in this matter. I can be reached at XXXX Monday through Friday XXXX XXXX  to XXXX XXXX Eastern Time or by email at 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 explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX   CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX XXXX {$5600.00} XXXX {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report 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 2020-06-12 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: FL

Complaint narrative:
On XX/XX/2019, someone fraudulently used my XXXX credit card ( issued/managed by XXXX XXXX   ) to purchase what appears to be the same item in span of a few days from a store or an online order in New Jersey. I live in XXXX, FL and have not been in that other state. Because I have not used this credit card in years there was no balance, upon this charges occurred statement were sent to wrong address so did not reach me. After a few months XXXX/XXXX  contact me via phone to let me know the balance for those transactions in XXXX, which were overdue, I immediately reported those were fraudulent charges and file the corresponding information to initiate a fraud investigation. When I reached the credit report entities Experian and XXXX  to report fraud, I noticed the negative reporting on my credit report, I have never being late in any outstanding credit account now or ever. I filed a dispute, both entities closed the investigation indicating that my dispute was validated with credit issuer ( XXXX ) but the late payment will remain. The account with was closed and balance removed was not late because I was not responsible for these fraudulent charges. However, despite various attempt to remove the delinquent or missed payments notes on my credit report, Experian and XXXX  has not cleared that from my credit report record, which has a significant impact in me credit score.

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 2020-06-12 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2020-06-12 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: MS

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1700.00} XXXX {$1600.00} XXXX {$640.00} XXXX {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
I refinanced with Guaranteed Rate in XX/XX/2020. I had no payment due in XX/XX/2020. In XX/XX/2020 I received notice from Guaranteed Rate that my new mortgage servicer was now XXXX XXXX  and I should make my XX/XX/2020 payment to XXXX. I am now receiving collections calls and letters from Guaranteed Rate saying I am past due. I made my payment to XXXX on XX/XX/2020, and XX/XX/2020 as instructed. 

Guaranteed Rate customer service tells me they have no record of my account being sold to XXXX. I sent them THEIR letter, with no response.They also sent me a letter XX/XX/2020 that my mortgage was sold to a 3rd company, XXXX XXXX. Guaranteed rate reported me to the credit bureaus as delinquent when I don't even have an account with them, and they sold my account to a 3rd  company when they do not own the loan. 

Guaranteed Rate collections department is telling me I need to make another payment in order to stop the calls and collection attempts. I have been asking them since XX/XX/XXXX to fix their records, I emailed them copies of everything - even their OWN letter telling me to pay XXXX XXXX. My credit score has now been lowered over all this and I have never been late with my payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I have a loan with Ameris Bank. The terms of my mortgage loan are not being honored by the mortgage company/servicing. The terms of the loan included an interest rate buydown, but the mortgage company continues to not honor the buydown, instead charging me the full interest rate ( which equates to {$400.00} more dollars on my payment each month ). I have called the mortgage company many times trying to resolve this issue, I have escalated to multiple supervisors at the customer service department, and I have reached out to my original loan officer. Each party claims they are researching this or escalating it, and that I should check back later for an update. This issue has most recently been ongoing for the last six weeks, but has been a problem since the beginning of the loan. 

The mortgage closed on XXXX XXXX, XXXX, the first payment on XX/XX/XXXX reflected the incorrect amount, I reported it immediately to the mortgage company and payed it anyway. The next several months were the correct amount, paid by check and mailed to the mortgage company. Once the loan was moved to a new servicer on XX/XX/XXXX, the incorrect payment amount resurfaced and I again began to try to get it corrected. To avoid any negative marks, I again paid the incorrect amount in XXXX, and have been trying to get the payment amount resolved for XXXX. Halfway through the month, the issue is still not resolved and I have not received any assurances that it will be - only that I can check back on XX/XX/XXXX to see what the latest status is. 

I have provided the company with my loan package clearly stating the correct amount, yet correspondence with the " research team '' at Ameris was closed and I was told that the payment amount is actually correct as it stands - it is not correct. 

I continue to speak with customer service in attempts to fix this problem, and I have been waiting for a servicing liaison with Ameris to return my email about how this will be resolved. I am reporting Ameris Bank to the CFPB because I have no faith in the company to resolve my issue without some kind of oversight or accountability. 

The correct amount of my monthly payment ( PITI ) should be XXXX. They continue to request XXXX, which is the correct amount once the buydown period expires in XX/XX/XXXX. It is not fair or correct for me to be held to to the higher payment amount per the terms of the loan agreement and as each month passes, I'm afraid it will become harder to avoid paying this higher amount. There appears to be no incentive at the mortgage company to get this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: TN

Complaint narrative:
My XX/XX/XXXX credit score plunged 40 pts due to payment status changed to ( negative past 180 days for the period of over a year ) on XXXX XXXX reporting. Within a week I disputed with Experian, XXXX, and XXXX XXXX including a copy XXXX report from both bureaus of on-time payments for the negative days recently reported. XXXX XXXX has been on-going with consistently changing to inaccurate information. XXXX  has corrected information accordingly however, my Experian report remains the same ; Dispute dates with both bureaus are XX/XX/XXXX and XX/XX/XXXX. Additional incorrect information on reporting as follows : REMARK added regarding late payments, Payment status, balance due and initial open date. My main concern at this point is the negative remark and invalid late payments reported. Balance due of {$450.00} increased by {$240.00} on XX/XX/XXXX, after receiving the previous dispute. I guess this was a retaliation? I refused to pay the {$450.00} because it was paid by XXXX XXXX insurance, after an accident and the remainder balance was covered by GAP. 
Note : other documentation is available upon request and has been submitted to bureaus and debtor.

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 2020-06-12 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: FL

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to  remove this however, I have not been successful.

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 2020-06-12 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: TX

Complaint narrative:
XXXX  XXXX is inaccurately reporting a {$1100.00} balance on my credit report when my balance is actually {$0.00}. XXXX XXXX is inaccurately reporting on my credit report. This account does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reporting a balance on 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 explanation