vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I have a loan being serviced by Specialized Loan Servicing. They have caused me innumerable problems, but I will be focusing on just one here.

Sometime during the summer of 2018, SLS send me a form letter informing me that they believed my home was " vacant '. I replied with the proper paperwork informing SLS that my home was indeed being occupied and they had the wrong/incorrect home/address. They started charging me XXXX XXXX " fees '' and other " fees '' for the unoccupied home. I was told, by a supervisor at SLS to contact " XXXX XXXX '' as they were the subcontractor that oversees this type of thing. I called XXXX and spoke with a woman who I can't recall her name., but she verified that my home had been " misidentified '' and that she would start the process of clearing it up. Meanwhile, I spoke with MULTIPLE supervisor at SLS who were antagonistic and hostile toward me suggesting that I was lying about said situation. Not surprised as SLS is a criminal enterprise, but I digress. I finally, after MONTHS, got a supervisor to assist me in this. His name is XXXX. He promised that he wouldn't kick the can down the road, but he did. I reached out to SLS executive XXXX XXXX multiple times to address the issue with NO response. They have been charging my account every month $ XXXX. I need someone to get to the bottom of this. Tired of being ripped off by this corrupt and criminal company.

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 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
I was a victim of identity theft in which my entire credit was compromised due to unauthorized accounts. This matter has affected me tremendously being unable to make financial decisions. I have other accounts reporting on my credit reports that I did not give consent. I am not very educated on how to address these type of matters involving credit, the reason I was resorted to your entity.

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 2019-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion continues to report my personal identifying information incorrectly and refuses to correct it, despite my repeated requests. More specifically, TransUnion is reporting my social security number incorrectly. I have been trying to correct this error with TransUnion for more than a year, to no avail. I have sent TransUnion a copy of my birth certificate, social security card, proof of address, and drivers license to identify myself however TransUnion continues to send the same letter indicating that they will not correct the information due to reporting from XXXX XXXX. I then reached out to XXXX XXXX regarding the trade line they are reporting on my credit profiles. XXXX XXXX continues to indicate that they are not reporting the incorrect information that TransUnion alleges and they do not understand why TransUnion is reporting the information incorrectly. TransUnion is the only CRA reporting my social security number incorrectly. Both XXXX  and XXXX have my social security number listed correctly ( see attached ). TransUnion is out of compliance with the law. Its willful noncompliance has been a major financial hardship in my life as I have been denied lines of credit, housing, insurance, and other consumer products due to the unmatched social security number. TransUnion refuses to complete a real investigation and properly verify my personal information as required under FCRA. They have sent the same letter in response to my request for correction on two separate occasions ( first on XX/XX/XXXX and again on XX/XX/XXXX ). I have continued to call XXXX XXXX, to no avail. They report that they have not provided the incorrect social security number that TransUnion is reporting.

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 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have reviewed my XXXX report and have found accounts with US Bank that have account abuse on them, I have never had a checking account with US Bank. 

These marks on my report have ABSOLUTELY NO MERIT. 
I have filed a theft report with the Federal Trade Commission ( FTC ), and XXXX XXXX County Sheriffs Office. 

I will be filing a report with the Office of the Attorney General of California - XXXX XXXX documenting the fraud and the actions I have taken to have these removed.

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 2019-02-08 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: AP

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: MO

Complaint narrative:
I opened a Store Credit Card Account with XXXX XXXX back in XX/XX/XXXX. I paid down a significant amount on the balance. I owed only XXXX dollars. When I traded up to a new wedding ring set this past year, a different account was opened under my name but with my spouse as joint. We were quoted a new minimum monthly payment of XXXX dollars with a new balance under 7500 but the very first billing statement from XXXX XXXX  stated XXXX dollars as the new balance with the first minimum payment of XXXX dollars! I immediately disputed this amount along with the balance. A 60 day investigation was opened and XXXX XXXX informed me I would not be charged additional interest fees during this time. When the investigation was complete, I was still charged interest and the balance increased well over 1000 dollars. XXXX wanted me to pay XXXX as the very first payment on the account. I tried to resolve this with XXXX XXXX and leaned I was being charged double interest and double monthly payments on two separate balances! My spouse and I were not informed of these terms In-Store by the Assistant and Store Managers. We also did not agree to these terms. I was never given a copy of my new account contract, only my Sales Receipt that showed XXXX dollars as a minimum monthly payment. I tried to return my new wedding ring set but XXXX XXXX Corporate refused to take it back and XXXX XXXX  still wanted XXXX dollars I did not owe them! XXXX XXXX and XXXX continued to call my phone from restricted numbers, so I asked for a Cease and Desist. I filed a Consumer Complaint with my states Attorney Generals Office and the only contract XXXX XXXX could produce was from the previous account opened in XXXX. XXXX XXXX and XXXX XXXX  could not legally produce a contract with my legal signature for the new joint account. I disputed the account numerous times with all three credit bureaus with TransUnion making the process very difficult. The account was finally closed in Fall XXXX. However, XXXX and XXXX XXXX continue to add delinquent payments to my credit reports! They seek to destroy my credit and Ive never been late on any of my other accounts. They now harass me with billing statements on a Closed account after Ive asked for a Cease and Desist. This activity should be deemed illegal. XXXX XXXX XXXX owns XXXX XXXX and they have already faced possible Federal Action for their illegal crediting and finance practices. How do I get them to stop reporting late payments on a closed account with terms I never agreed to? How can they keep doing this when they cant produce a contract with my signature stating I agreed to these terms?

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 2019-02-08 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I opened a Store Credit Card Account with XXXX XXXX back in XX/XX/XXXX. I paid down a significant amount on the balance. I owed only XXXX dollars. When I traded up to a new wedding ring set this past year, a different account was opened under my name but with my spouse as joint. We were quoted a new minimum monthly payment of XXXX dollars with a new balance under XXXX but the very first billing statement from XXXX XXXX stated XXXX dollars as the new balance with the first minimum payment of XXXX dollars! I immediately disputed this amount along with the balance. A 60 day investigation was opened and XXXX XXXX informed me I would not be charged additional interest fees during this time. When the investigation was complete, I was still charged interest and the balance increased well over XXXX dollars. XXXX wanted me to pay XXXX as the very first payment on the account. I tried to resolve this with XXXX XXXX and leaned I was being charged double interest and double monthly payments on two separate balances! My spouse and I were not informed of these terms In-Store by the Assistant and Store Managers. We also did not agree to these terms. I was never given a copy of my new account contract, only my Sales Receipt that showed XXXX dollars as a minimum monthly payment. I tried to return my new wedding ring set but XXXX XXXX Corporate refused to take it back and XXXX XXXX still wanted XXXX dollars I did not owe them! XXXX XXXX and XXXX continued to call my phone from restricted numbers, so I asked for a Cease and Desist. I filed a Consumer Complaint with my states Attorney Generals Office and the only contract XXXX XXXX could produce was from the previous account opened in XXXX. XXXX XXXX and XXXX XXXX could not legally produce a contract with my legal signature for the new joint account. I disputed the account numerous times with all three credit bureaus with XXXX  making the process very difficult. The account was finally closed in XX/XX/XXXX. However, XXXX and XXXX XXXX continue to add delinquent payments to my credit reports! They seek to destroy my credit and Ive never been late on any of my other accounts. They now harass me with billing statements on a Closed account after Ive asked for a Cease and Desist.  This activity should be deemed illegal. XXXX XXXX XXXX owns XXXX XXXX and they have already faced possible Federal Action for their illegal crediting and finance practices. How do I get them to stop reporting late payments on a closed account with terms I never agreed to? How can they keep doing this when they cant produce a contract with my signature stating I agreed to these terms?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: AP

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: AP

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX  XXXX  XXXX**** ; XXXX XXXX XXXX XXXX  XXXX**** ; XXXX/XXXX XXXX**** ; XXXX/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 2019-02-08 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:
I have been a victim of identity theft.

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 2019-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2019 I logged into my citimortgage account to pay my monthly bill of {$1100.00}. According to my lenders citimortgage website, a transfer in the servicing of my mortgage loan has taken place. Big surprise to me. I am unable to make my usual citimortgage payment online and have been directed to contact XXXX. 

Due to my work schedule it has been difficult for me to reach XXXX and upon registering my loan with their website I receive an error message stating that XXXX has no recognition of my loan. 

I was not notified by citimortgage of this transfer. I was not given notice.

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 2019-02-08 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: GA

Complaint narrative:
Certified letters with copies of drivers license, social security card and proof of residency have been repeatedly sent to Experian SINCE XX/XX/2017 requesting correction of my name along with other inaccurate information on my reports. Experian continues to report inaccurate information reflecting my name in variations and refuses to make corrections. You will find attached a copy of the most recent report circling the incorrect name. All incorrect names should be removed as these names are none reportable as per FCRA nor deliverable to me by the US Postal office. Delete incorrect names or any variation of none reportable names from reports immediately.

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 2019-02-08 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: MO

Complaint narrative:
I have tried to contact Transunion after viewing a copy of my credit report and see that they are still reporting medical accounts on my credit report after I informed them that I wanted to challenge the compliance of the medical accounts that they are reporting 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
Consumer complaint received 2019-02-08 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: NC

Complaint narrative:
In 2018, I called Equifax and faxed a dispute on my credit report letting them know that XXXX Master Card erroneously charged off a balance for which they refused to provide statements or communicate with me regarding the account balance and my obligation as a joint account holder on their Master Card. There is no reference in Equifax 's reply back to me that demonstrates XXXX master card provided written statements or letters noting my monthly balances. They proceeded to charge off the card without notifying me of my obligation or giving me any opportunity to make good or negotiate with them on any outstanding balance. I wrote them repeatedly that they are required to provide me with statements as an account holder, and they ignored my request. When I could not get statements after numerous months of paying in the dark, I just assumed the account was being recognized by XXXX as paid in full, so I sent a final payment and noted " paid in full '' on my check for safe measure. That check was cashed. I took this to be an agreement as a result. Though they had at this time hit my report with a " charge off '' without due process, I also had to pay taxes to make matters worse as they issued a 1099. 

I submitted to Equifax in my 2018 dispute a copy of the 1099 XXXX Master Card sent, along with my repeated letters requesting written statements and status of the account, and a copy of the cashed check that indicated " paid in full ''. 

As a result, I demand this be removed from my credit report today and not penalize me any longer for what has been customarily a seven year timeframe on " charge offs ''. This should not apply to me. Keeping this on my credit report has caused unfair hardship on me. Equifax as a result should remove this from my record for good this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: OH

Complaint narrative:
I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX XXXX  account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency

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 2019-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX  continues to report my personal identifying information incorrectly and refuses to correct it, despite my repeated requests. More specifically, XXXX is reporting my social security number incorrectly. I have been trying to correct this error with XXXX  for more than a year, to no avail. I have sent XXXX  a copy of my birth certificate, social security card, proof of address, and drivers license to identify myself however XXXX  continues to send the same letter indicating that they will not correct the information due to reporting from Capital One. I then reached out to Capital One regarding the trade line they are reporting on my credit profiles. Capital One continues to indicate that they are not reporting the incorrect information that XXXX  alleges and they do not understand why XXXX is reporting the information incorrectly. XXXX is the only CRA reporting my social security number incorrectly. Both XXXX and XXXX have my social security number listed correctly ( see attached ). XXXX  is out of compliance with the law. Its willful noncompliance has been a major financial hardship in my life as I have been denied lines of credit, housing, insurance, and other consumer products due to the unmatched social security number. XXXX refuses to complete a real investigation and properly verify my personal information as required under FCRA. They have sent the same letter in response to my request for correction on two separate occasions ( first on XX/XX/XXXX and again on XX/XX/XXXX ). I have continued to call Capital One, to no avail. They report that they have not provided the incorrect social security number that XXXX  is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief