vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 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: CA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
Again Since XX/XX/XXXX of XXXX my son and I have been trying to take over the loan as we can by Federal Law. XXXX has a copy of the loan and joint tenancy and still wants to play games. They have also violated the XXXX law a copy is attached of what this organization put into law. All they say is probate and according to state Colorado law the way the property is titled they are XXXX  that do not have a clue. They refuse to work with us the law that this agency put into place and they have no understanding about the basic concept of law except how to break it,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This letter serves as a plead to remove the late payments on my account for XX/XX/2019, XX/XX/2019, XX/XX/2019, and XXXX XXXX was laid off from the ending of XX/XX/2019 to XX/XX/2019. Due to these financial struggles I couldn't oblige to my credit card payments. I have been a faithful customer with capital one for some years now and I called in to explain my situation during these rough times. Once I got back to working, I resumed payments and paid my account down in large sums. As of now these late payments in the past is affecting my credit and preventing me from getting a home, I called the company recently and customer service told.me they can help me if I send in a letter stating my case. I sent in a letter but I am yet to hear a response on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: CA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: TX

Complaint narrative:
In checking my credit report as I do every week, I noticed XXXX XXXX had listed a negative report from Enhanced Recovery Company. The creditor name is XXXX XXXX XXXX, account open XXXX, stated open 2 mos & reported XX/XX/XXXX for amt. {$100.00}. I have NOT opened an account with such named companies & I do NOT know who they are. 
XXXX XXXX repeatedly makes messy errors on my credit report & refuses to correct it when I request it! How can you open an account XXXX XXXX XXXX XXXX show it is open for XXXX mos the beginning in XXXX? The way I pay my bills I would NOT allow anything to destroy my excellent credit! NOTHING reported on my credit report is correct! My credit score should be much higher. I have not applied nor had I opened any accounts this year. Please remove. XXXX XXXX needs to respect my request from a year ago & remove those inquiries. Some inquires are listed more than once. Enhanced need to stop calling me and remove that erroneous account from my credit report. A 34 point drop in my score is horrifying!!!! Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I filed for unemployment and got approved on XX/XX/2020. The payments are processing weekly through the unemployment however I was never mailed the card so I am unable to access these funds. I have tried calling the XXXX and I either get hung up on or get put on hold for over two hours. It has been an entire month of me not being able to access funds due to the card never being mailed to me. Unemployment said to keep trying to call that XXXX since the issue is me not getting the card and I am having zero luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
In XXXX of XXXX, I filed a request for Mortgage Assistance with Carrington Mortgage Services , LLC . Due to a failure in my marriage, impending divorce proceedings, split custody arrangements, and a large flux in the contracting market as I am an independent XXXX, I fell behind on my mortgage payments. Upon filing this application, I was two months behind and sent in all required documentation to request relief in the form of moving overdue payments to the end of the loan without penalty and without causing disruption to my credit report. I had not missed any payments prior to this and dating as far back as the original loan of XXXX. I utilized my accountant XXXX as my proxy ), who also works for the XXXX XXXX XXXX, to ensure all required documents and forms were submitted. Over the last 12 months, Carrington has continuously asked for submission of the same information, either expressing that they never received it or that what I had filed had " expired '', causing unnecessary delay in the relief process. Carrington has, more than twelve times, requested the same information that was submitted via my proxy over and over again, each time with facsimile confirmations that the information was received on their end. Carrington has gone as far as threatening foreclosure and as of XXXX XX/XX/XXXX, rejected my entire application and are saying that I have to restart the entire process all over again. Due to the ongoing circumstances that evolved over the last year, I am now 11 months behind, acting on the advice of Carrington that everything would be taken care of and now am at risk of losing my home, which is the source of my income as I am an independent XXXX and the home for my daughter and I, who I am the sole financial provider for. I am requesting that Carrington honor my original application, move all overdue payments to the end of my loan without penalties and fees, and remove any negative marks or remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: Integrated Asset Recovery LLC
State: DC

Complaint narrative:
Portfolio Recovery is reporting a debt that was received from XXXX XXXX  of {$190.00}. I have notified Portfolio Recovery, but it still shows on XXXX  and XXXX  as closed, but with a balance of {$190.00} owing. XXXX is used as a conduit for payment instead of exposing my bank account or credit card to prevent fraud. I had one account with XXXX XXXX and paid it completely on XX/XX/XXXX, leaving an overpayment of {$3.00}. On XXXX XXXX, XXXX stated the balance on the account was {$0.00}, the {$3.00} disappeared from the records. 
I never used XXXX for extended charges afterwards, or small charges, which Portfolio Recovery stated occurred on XX/XX/XXXX - {$7.00}, {$1.00} ; XX/XX/XXXX - {$7.00} ; XX/XX/XXXX - {$6.00}, {$5.00} ; XX/XX/XXXX - {$9.00} The charges totalled {$37.00}. On XX/XX/XXXX - {$29.00} was added to the total, XX/XX/XXXX - {$66.00} + {$40.00}, XXXX XXXX {$38.00} + {$2.00}, and XX/XX/XXXX - {$38.00} + {$3.00}. While XXXX XXXX shared this information with me, XXXX, nor XXXX bothered to investigate by confirming with XXXX. These charges would not have accrued on my XXXX account as they would have been taken directed from my bank account through XXXX. I am including records of XXXX transaction made during XXXX through mid XXXX. The charges are FRAUD. These charges are not shown on the records. I'm including my XXXX records for your review.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-21 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: DC

Complaint narrative:
XXXX XXXX is reporting a debt that was received from XXXX XXXX of {$190.00}. I have notified XXXX XXXX, but it still shows on XXXX  and Equifax as closed, but with a balance of {$190.00} owing. XXXX is used as a conduit for payment instead of exposing my bank account or credit card to prevent fraud. I had one account with XXXX XXXX and paid it completely on XX/XX/XXXX, leaving an overpayment of {$3.00}. On XXXX XXXX, XXXX stated the balance on the account was {$0.00}, the {$3.00} disappeared from the records. 
I never used XXXX for extended charges afterwards, or small charges, which XXXX XXXX stated occurred on XX/XX/XXXX - {$7.00}, {$1.00} ; XX/XX/XXXX - {$7.00} ; XX/XX/XXXX - {$6.00}, {$5.00} ; XX/XX/XXXX - {$9.00} The charges totalled {$37.00}. On XX/XX/XXXX - {$29.00} was added to the total, XX/XX/XXXX - {$66.00} + {$40.00}, XXXX XXXX {$38.00} + {$2.00}, and XX/XX/XXXX - {$38.00} + {$3.00}. While XXXX XXXX shared this information with me, XXXX, nor Equifax bothered to investigate by confirming with XXXX. These charges would not have accrued on my XXXX account as they would have been taken directed from my bank account through XXXX. I am including records of XXXX transaction made during XXXX through mid XXXX. The charges are FRAUD. These charges are not shown on the records. I'm including my XXXX records for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Found out through XXXX XXXX, on my TransUnion report that there was a hard inquiry from XXXX XXXX  on XX/XX/2019 that I did not authorize.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Found out through XXXX XXXX, on my XXXX  report that there was a hard inquiry from Synchrony Bank on XX/XX/2019 that I did not authorize.

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 2020-04-21 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING XXXX  AND XXXX  THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES XXXX SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
Our home was hit by a tornado and our insurance company provided a check for the rebuild which was made out to my husband & me as well as Amerihome for {$170000.00}. Payoff for the mortgage was {$130000.00} Since it was a complete rebuild requiring more than {$170000.00}, we opted to payoff the mortgage and get a construction loan. I contacted Amerihome on XX/XX/XXXX regarding the process to payoff, which included sending a statement to the claims department stating that we wanted to use the funds to payoff the mortgage along with a payoff statement. I was told the surplus funds would be returned to me in the mail via check. I followed the exact instructions. I received the payoff statement on XX/XX/XXXX and sent all required documents along with the endorsed check via 3 day priority mail. Per USPS tracking, they should have received the check on XXXX. As of XX/XX/XXXX, the loan has not been paid off and no one can give me information on when it will be complete. I have called customer service 3 different times, being transferred back and forth between Mortgage & Claims multiple times. I am unable to access the claim on their insurance website -- I was told that is because it's a payoff. I have filed a complaint online with XXXX -- someone from XXXX left me a voicemail a week ago but I have tried to call them back twice & left voicemails with no response. I am told by the Claims department that I must contact Mortgage ; however, the Mortgage department directs me to Claims. I requested to speak to a Claims supervisor. I was told one would call back in 24-48 hours. A Claims supervisor ( XXXX XXXX XXXX called back after the 48 hour deadline and left a voicemail lecturing me that I needed to speak to Mortgage only and did not leave me a number to call back. I have tried the online chat services and have been told that they can not provide me with information. On XX/XX/XXXX, I spoke with someone named XXXX in Mortgage customer service who stated that the funds were in the final stage with the Pay-Off Department and would be complete that day. He stated that I should receive an email as well as see the change in my online account. As of XX/XX/XXXX, it still states that there has been no pay-off. I just spoke with Customer Service again and she stated that has never seen anything like what is going on in my account and that she can not provide me with any information -- only Claims can do that. My request to speak with a supervisor at that time was denied and I was told one would call me back within 2-3 hours. I did not receive a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a car loan with capital one. I subscribed to let them withdraw the payment monthly. Last month I spoke with a representative to ensure they had the correct banking information and thought I made it clear it should only be with drawn from one bank account, I was told she removed all other banking information. Today I found that they withdrew the funds from a different account. There was no money in the account so I was also hit with a overdraft fee. I have tried more than once to speak to Capital One regarding this issue, I thought it was cleared up and clarified last month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I requested a freeze on my credit a month ago through Experian. I wasn't give a pin number at that time. I've been trying to remove the freeze by having the pin number resent to me. I have tried using their online service but even though I answer the questions correctly they denied sending me the required pin. I have sent the required form letter with all of the required information, which they received more than a week ago. Their website says that a freeze would be removed within 3 days of receiving the letter. There is no way to actually talk with someone at Experian. I need help getting Experian to unfreeze my credit. Thanks 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 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE CLEARING CORPORATION
State: OK

Complaint narrative:
My bank is setup to make automatic mortgage payments on the 2nd of each month. 

These automatic payments include a second check for additional principal payments. 

As requested by the mortgage company the check memo clearly says additional principal. 

The mortgage company received both checks on the XXXX, both checks cleared our bank on the XXXX and the mortgage company refuses to apply the extra principal payment until the following month. 

This is causing us to pay more interest and does not reduce our principal balance correctly. 

We have complained several times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Betterment LLC
State: IL

Complaint narrative:
Logged onto my account. Was offered free checking product. Answered a few website questions and the result was denied a free checking product. 

Followed up with XXXX from Betterment by email, she told me unable to tell me why can't open a free checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: CO

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I requested verification of account with this credit reporting agency on in writing on multiple occasions. These requests were sent by certified mail ( I have attached the receipts with tracking information ) on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite 5 written requests over the span of a year, the unverified items are still listed on the report and the reporting agency has gone so far to claim the items are verified without garnishing physical verification of the original signed consumer contract, or any verification documents at all for that matter. This credit reporting agency has had over a year to produce the documents that they are legally required to provide to me. 

If this agency does not have a copy of original documentation ( a contract with my signature on it ) as required under Sections 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Further more, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

This organization has violated 3 different sections of the Fair Credit Reporting Act, and has had over a year to produce these documents. They clearly are not in possession of any proof of the validity of these documents and continue to present this false information to my credits.

This is illegal and defamatory. This credit reporting agency is INTENTIONALLY violating the law. Opening a dispute with the CFPB is my last hope/resort before being forced to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING XXXX  AND EQUIFAX THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES FICO SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS INFORMATION.

Company response to consumer: Closed with explanation