vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
i REPEATEDLY HAVE SUBMITTED DISPUTES ON PRESTIGE FINANCIAL SVC. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH EXPERIAN, XXXX XXXX, AND XXXX. PRESTIGE HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. PRESTIGE CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO XXXX WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM PRESTIGE AND XXXX TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: IL

Complaint narrative:
Transunion, XXXX and XXXX wont remove all the negative items I am disputing that are not mine a lot of information is incorrect and it is a hassle trying to get them to remove these things. 
Especial this car from XXXX that is not mine that need to be removed! My father has the same name as me and racked a lot of debt in my name he is now in jail and I need to have these items 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 2020-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Recently I applied for Economic Injury Disaster Loans and I was approved with the documentation that as requested from the XXXX XXXX XXXX. The loan amount that I signed for and agreed to pay for was {$89000.00}. The ACH deposit inside my account XX/XX/2020. Golden Credit Union placed a Permanent hold on my funds from the XXXX Loan deposit. I spoke with a representative regarding the hold and was advised I need to show them documents before or if they decide to release the hold from my loan. I told the Rep my business is a DBA/ Fictitious business name filed with XXXX XXXX XXXX   XXXX XXXX California XXXX They currently have my loan frozen inside my own account. its unfair practices. I was approved for a loan and the bank blocking ACH Deposits for my busines which I have to pay for monthly.

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 2020-08-11 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: IL

Complaint narrative:
Due to years of identity theft starting in 2016 ( that I am aware of ), my husband and I locked or placed a " freeze '' on our credit. Earlier this year, while trying to re-finance student loans, I tried to lift the credit freeze on my Experian report, but was unable to. When I went to reset my password for the online account, Experian automatically sent a reset link to the email address associated with the account. However, the email address was unfamiliar to me. I called Experian immediately and was told there was nothing they could do. A few weeks ago I tried to access the account online using a previously issued PIN but was unable to, and was instructed to send in a letter, picture ID, security card, utility bill, etc in order to access my account or lift the freeze. Someone has been using my identity to obtain credit, and Experian is allowing it, and putting the burden of trying to fix and re-secure my credit on me. The account should have never been hacked in the first place.

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I XXXX XXXX ordered furniture from Ashley home store in XXXX XXXX store in XX/XX/2020 - we receive approximately XXXX or more delivered dates - which all have been cancelled by Ashley, and now i beening told it may be delivered in XX/XX/2020 - i have no confidence this will occur - I have no couch to sit on and they want me to pay 10 % for no service, cancellation fee, Ashley furniture failed to fulifill their end of the contract, I able a student at XXXX and unable to enjoy apartment with no living room furniture and guest from out of town and they want me to continue to believe they will delivered, this is not reasonable to ask a person to have no furniture and continue to wait months and months and pay a 10 % fee for cancellation for nothing, I would like to cancel this contract with no penalty and to find a furniture store that can delivered within a reasonable time frame, I have waited on the phone for corporate for hours and no answer - this is poor business practice and I would not recommend this store to anyone, I am a student with dealing with this current panademic, this corparation is taking advantage of the situation and consumers. XXXX XXXX XXXX XXXX or XXXX XXXX email 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 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo Bank manipulated input values to deny loan modifications under XXXX. My report proves it.

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 2020-08-11 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: NY

Complaint narrative:
XXXX XXXX is reporting a XXXX collection account to XXXX & Transunion. in the amount of {$580.00}, this balance was paid in full in 2016. 

I disputed this account many times with the consumer reporting agencies and they have not removed the account from my credit report or given me results of their investigations. 

XXXX XXXX ( Original Creditor : 10 XXXX ) Balance : {$580.00} Account Status : Derogatory

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 2020-08-11 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: VA

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-08-11 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'VE BEEN A VICTIM OF IDENTITY THEFT AND MY PAPERWORK WAS NEVER PROCESSED FROM BACK IN XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/20, I spoke with XXXX XXXX XXXX from Rocket Mortgage via phone call. He explained that I needed an appraisal in order to proceed with the mortgage application. I told him that other companies do not require an appraisal. He insisted that in order to continue with the appraisal that I must pay him {$500.00}, at which time, I gave him my debit card information and paid for it. I proceeded to call various mortgage companies and found out that over 50 % did not require an appraisal. I decided not to continue with Rocket Mortgage and go with a different company. I received a phone call from the appraiser from Rocket Mortgage. I informed him that I no longer needed an appraisal because I was no longer continuing with the loan. I called XXXX XXXX XXXX from Rocket Mortgage and informed him that I was no longer proceeding with the loan. I also requested a {$500.00} refund for the appraisal that was never done. He tried to persuade me to continue with the loan. When he realized that he was unable to persuade me, he hung up. On XX/XX/20, I received an email stating that the appraisal was done and we can continue with the loan. I immediately responded and explained that it is impossible that an appraisal was done on my home because I live in a gated community and I never gave the appraiser access to enter the community. I have attached the appraisal report in question. Note that the report was obviously completed without entering the community. In this report there are no pictures of my home. The only pictures provided were of the community entrance and of other homes listed for sale nearby. I have tried to resolve this issue with Rocket Mortgage. I have sent 3 emails explaining the situation and requesting a {$500.00} refund with no reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
My mortgage servicing company, XXXX XXXX XXXX, is supposed to pay my homeowner 's insurance out of my payment.  Last XXXX, I received a notification out of the blue from my homeowner 's insurance saying that it hadn't been paid. When I called to find out more, it turned out that it hadn't been paid for ONE FULL YEAR. When I logged on to XXXX XXXX XXXX XXXX website, it listed my insurance provider as "  homeowner 's insurance ''. When I called XXXX, the operator said that there was a notation on my account from the previous year saying that the check they sent had been returned. That was the last notation on the account, with no follow-up. The next time I called, they had a completely different story, saying that they had paid my insurance company and couldn't explain why I had no insurance. Despite my account clearly showing that they knew I was uninsured, they never apologized or admitted wrongdoing. At the time I was too busy trying to secure new insurance coverage, but I did lodge a complaint with the XXXX XXXX XXXX so that there would be a record of this behavior.

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
OnXX/XX/20 I purchased two items from XXXX XXXX. On XX/XX/XXXX items were delivered via XXXX. Within one hour of the delivery as we were opening items we discovered damage/unacceptable manufacturing damages with one piece. I called XXXX and received a voicemail box in which it stated that my call would be returned within 48-96 hours. Call was not returned. On XX/XX/XXXX through an email I received from XXXX Online I responded and indicated I had an issue. ( I took photos of my submission ). I did not receive a response. On two occasions between XX/XX/XXXX and XXXX I attempted to call XXXX. The first time I was left on hold for 39 minutes. On approximately XX/XX/XXXX I notified Chase Sapphire through their online dispute process. I was given a temporary credit of {$260.00}. My request for the credit card company is that maybe XXXX would respond to them so that I could get it resolved. Chase Sapphire did not read the verbiage in the complaint and contacted XXXX for proof of delivery. I never said I did not receive merchandise. My complaint was denied by Chase Sapphire on XX/XX/XXXX, Indicating and attaching proof of delivery. I called Chase Sapphire and was told to refile the dispute which I did on XX/XX/XXXX. I wrote a letter spelling out the details and correcting the {$300.00} which was the actual cost with tax and delivery. On XX/XX/XXXX I again received a Denial from Chase Sapphire stating that they previously reviewed my dispute and have confirmed that the transactions are valid. So my credit card company never even tried to help me. Only shoved the issue under the rug.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized loan Servicing ( SLS ) started servicing my Mortgage less than a year ago and SLS has made several mistakes. If i was not on top of the following mistakes it could cost me more money. 
I received a frighting letter from SLS saying all my requests were denied and i had two possibilities. one was a quick sale or a deed in lieu and they needed my answer by XXXX XXXX. I'm XXXX and don't want to leave. I called a HUD counselor and he helped me. THE FOLLOWING ARE THE MISTAKES I HAVE CAUGHT SO FAR : 1 ) I found cheaper homeowners insurance and sent the 2 page declaration to SLS. SLS paid the amount on the bottom of the first page and not the total on the second page. I managed to recoup {$190.00}. overpay from the insurance co. SlS is still showing the wrong amount of the Policy on their web site. 
2 ) I received a BPO copy from SLS and the assessment left out my garage even with a closeup picture. 

XXXX ) A HUD counselor advised me to call SLS today. As i was mentioning my concerns to the teller she said i did not have a XXXX Mortgage. I got her to look at XXXX 's website. She returned and said it was overlooked???. 
4 ) After ending our call today i received in the mail another BPO duplicate of the first one. 

I made 4 attempts to send SLS this message but their site kept erasing it. 
WHAT IS WRONG WITH SLS? I hate the thought of dealing with this company in the future.

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 2020-08-11 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:
Equifax is reporting a fraudulent account that was a result of identity theft. Fraudulent accounts are continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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'VE BEEN A VICTIM OF IDENTITY THEFT AND MY PAPERWORK WAS NEVER PROCESSED FROM BACK IN XXXX XXXX 2020

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 2020-08-11 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'VE BEEN A VICTIM OF IDENTITY THEFT AND MY PAPERWORK WAS NEVER PROCESSED FROM BACK IN XX/XX/2020 2020

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 2020-08-11 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 FILED A COMPLIANT IN XXXX BECAUSE I WAS A VICTIM OF IDENTITY THEFT BUT HAVE NOT GOTTEN ANY HELP FROM THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-08-11 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 FILED A COMPLIANT IN XXXX BECAUSE I WAS A VICTIM OF IDENTITY THEFT BUT HAVE NOT GOTTEN ANY HELP FROM THE 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 2020-08-11 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 FILED A COMPLIANT IN XXXX BECAUSE I WAS A VICTIM OF IDENTITY THEFT BUT HAVE NOT GOTTEN ANY HELP FROM THE 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 2020-08-11 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: PA

Complaint narrative:
I am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request. 

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by [ RecipientName ], for account number XXXX  XXXX XXXX Account number XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

Please remove account as soon as possible, because this account is fraud and never belong to me.

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