vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 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: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I was looking at my credit report and noticed inaccurate information. 

Derogatory marks XX/XX/XXXX it says XXXX XXXX  XXXX {$130.00} Is owed. I had called this company many times in the past as this was all taken care of and there customer service reps had said they would remove from file. For some odd reason It is still on there. But was taken of. There was additional fee 's than it was fraud and never authorized by me. 

Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ( both companies I had called as neither company had I signed anything or applied for anything and to the best of my knowledge was fraud and unauthorized by me. Both companies agreed to remove from my file but for some reason still there. 

I have attached the false inquiries picture on here so you guys can see 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 2020-04-08 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: FL

Complaint narrative:
I am a victim of identity Theft. Someone stole my Identity to Open fraudulent Accounts. 
I Did not Authorize anyone to Open This Account On My Behalf. 
I did Not Open this Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: FL

Complaint narrative:
I am a victim of identity Theft. Someone stole my Identity to Open fraudulent Accounts. 
I Did not Authorize anyone to Open This Account On My Behalf. 
I did Not Open this Account

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 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been attempting to ask Bank of America for help due to my health complications and financial hardships I have been experiencing. As you can see in my last communication to them I explained in detail my financial and health problems that are causing me to be unable to pay my accounts. I was forced into early retirement with a very limited income, and I was scammed by a debt settlement company who mislead me about there financial solutions they can provide. I am now left with a mess of debts and am struggling to figure this out. 

I contacted Bank of America for help, and they simply demanded I hand over {$11000.00} to settle this account. Well if I had XXXX I wouldnt really be in a financial mess would I? It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope that the regulators see what Bank of America is actually doing to consumers, even senior, sick consumers. 

Because of my sensitive health conditions I am particularly vulnerable to XXXX, and at this point I am unable to leave my home and I am having a hard time getting groceries and other essentials. I'm severely stressed out and Bank of America just makes my stress worst. Something needs to be done about them.

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 2020-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XX/XX/XXXXI filed a ch XXXX bankruptcy after my wife died I had a federal parent plus loan that was sold to Navient financial ... during the 5 years of payments Navient collected 5 years of interest of approx. {$40000.00} none going to principal, as I understand. now im repaying aloan of approx. 83,000 at 8.5 % at a 30 yr rate ... its a killer Navient is claiming the federal govt is setting the loan rate really? 8.5 % also the presidents corona virus order to suspend payments with no interest for 6 months they will not honor ... now its a private loan sold to them???? unreal im XXXX years old and ill be dead by XXXX when its over.. because of the ch XXXX im denied any refinance options so im stuck at navients blood sucking interest rate is this legal????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: FL

Complaint narrative:
I HAVE FOUND AN INACCURATE ACCOUNT ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT FILE. THIS ACCOUNT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT AND I WOULD REALLY APPRECIATE SOME ASSISTANCE IN THIS MATTER. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTION THAT WAS MADE BY 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
Consumer complaint received 2020-04-08 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: FL

Complaint narrative:
I HAVE FOUND AN INACCURATE ACCOUNT ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT FILE. THIS ACCOUNT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT AND I WOULD REALLY APPRECIATE SOME ASSISTANCE IN THIS MATTER. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTION THAT WAS MADE BY 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
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alpha Recovery Corp
State: CA

Complaint narrative:
Alpha Recovery Corp called me and stated there was a debt for apartment lease that was delinquent. I had no proof of debt and asked for documents which I still do not have. I offered to negotiate anyway as I co signed for family to live there. Once I offered to negotiate I was called at inconvenient times, called after I issued cease & desist on a few occasions. I've been threatened, harassed and I am tired of this treatment. I explained to them through email that I would be making complaints and also litigating the matter if it didn't stop which they still continue. Please help me, get this business of my back please. My wife and I are shaken and unsettled which has created much stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: CO

Complaint narrative:
I received an email that I had two hard inquiries on all three creditu bureaus in one day. I called Transunion and they said they could not take them off. I have since put a freeze on my credit with all 3 credit reporting agencies. I've also sent in a dispute that these inquiries are fraudulent, as I did not make them. I want them removed from my credit report, but the agencies are saying they can not do that. 

XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY 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 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I contacted PennyMac on XX/XX/XXXX th approx for consultation on what would need to be done to eliminate the Mortgage insurance of {$60.00} per month. I was told that the Mortgage to value needed to be at 78 % in order to remove that insurance and that I was at approx 81 % ... that at the current rate the Insurance would drop off in 4 to 5 months. I asked if I paid additional principle with the next payment that would take me below the 78 % - would that do it. The appraisal at the time of the original load was {$280000.00} I was informed that it would, but to be certain that the Mortgage insurance was removed that I should call back and follow up after the payment. My wife added an additional {$1100.00} to the payment on XX/XX/XXXX to be applied against principle lowering the balance below the threshold. This was applied to our account on XX/XX/XXXX This brought our principle remaining to approx {$210000.00}. 77.96 % When I called back today XX/XX/XXXX, to make sure the Mortgage Insurance was eliminated I was referred to the Insurance Department who informed me that I was " misinformed '' and that in fact, the only way I could get this done was by paying for a new appraisal and only then would this be considered. Also, she informed me that they considered the 78 % against the sale price of {$250000.00} as opposed to the Appraised price of {$280000.00}. This is unacceptable and a fraudulent misrepresentation. The person I spoke with today said she would provide a message to her supervisor that I wanted a call back and, as anticipated, I have not received any.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
XX/XX/XXXX PHH/ XXXX XXXX trying to un-ethically convince borrowers to agree to terms that people have no idea if theyll be able to actually uphold their end of the agreement. 
PHH/ XXXX XXXX at the end of the forbearance period will continue to play games and do everything possible to hurt the borrower. 
Please address this issue so borrowers are not taken advantage of as will surely happen if this is not addressed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have lost my income as a result of covid-19. I contacted my bank, PHH/XXXX XXXX on approximately XX/XX/XXXX to discuss mortgage payment deferral. I used their web form ( I have a printed copy ) to submit my request. Today I got a response telling me my form was submitted incorrectly. I checked the form for errors, and it was correct. This is a huge red flag. It turns out the new form on their web site requires me to agree that I will pay the 3  months worth of missed payments on the fourth  month. How can I agree to something I dont think I will be able to do? 
I called the bank and they tried to spin the issue. I explained to them I cant in good faith agree to something I dont know if I can uphold my end. They continued to try and convince me to agree to this term despite the fact I just told them I cant in good faith agree to that. 
I proposed to them that if they were comfortable guaranteeing me over the phone I would have no issues if I couldnt make the back payments to please put it in writing for me. They would not. Huge red flag! 
I then explained how I was at the center of the housing market crash and that I saw a lot of people do what banks asked them to do, only to have the home lost to the bank. 
This is a huge concern for myself and all others who are being forced to, out of desperation, enter into a forbearance program with terms most people can not guarantee theyll be able to hold up on their end. 
I am asking that immediate clarity and guidance be given to lenders so they are required to actually help the borrowers who are requesting it. This does nothing but add more uncertainty amidst an environment of the same! 
It does no good to give the bank tools that forces the borrower into a corner where the bank will have all the power to ruin credit scores, and potentially take peoples homes.

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 2020-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
{$4100.00} Original creditor : OPENED in XXXX CAPITAL ONE BANK USA N A Reported in BK XXXX XX/XX/XXXX Sold twiced opened in XXXX after being BK XXXX was filed and dispmissed.. Continues to bring my credit scores down.. Disputed in XXXX and No respond Overview You've paid off 0 % of your collection amount. 
Balance {$4100.00} Highest Balance {$4100.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dismissed Original Creditor Name XXXX CAPITAL ONE BANK USA N A

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XXXX XXXX on XX/XX/2020 American Express called me trying collect a debt of a family member from an old corporate credit card. 

The customer service agent over the phone " You are not personally liable but I don't know how this effects your credit score as a supplement ... you need to tell me the plan for the account ''. Heavily indicated that my credit score will be negatively effected if I don't figure out how to pay thing. I believe that is a misrepresentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through XXXX who sent me a letter stating the XXXX or Equifax never responded to their request. XXXX, XXXX  nor Equifax has sent me the Method of verifying this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

Complaint narrative:
I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through LexisNexis who sent me a letter stating the XXXX or XXXX  never responded to their request. LexisNexis, XXXX nor XXXX  has sent me the Method of verifying this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: SC

Complaint narrative:
I had a phone call with Jefferson capital over this debt. They said that they would except a payment of XXXX and that they would then close the account and mark it as closed. They also said that they would remove it from my credit report. None of which has happened. They still continue to call and harass me. Send letters in the mail and argue with me about what has happened. This continues to hurt me in more than ways. It not only hurts my credit score which hurts me while trying to get a house and other loans but also they want more money than we had discussed. They have already gone back on their word and I do not trust them to keep it this time around either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I would like to file a Complaint against Bank of America here Is the reason why. 


M name is XXXX and I was scammed majorly. I was offered an opportunity to advertise for XXXX XXXX and was provided a check, which I deposited into my account. Unfortunately, my bank ( Bank of America ) let the check clear right away and I withdrew money. The check ended up being counterfeit and I am now {$2100.00} in debt due to this fraud. I have an open case with the fraud department with the bank and with local police department. I have called my bank numerous times to stop all transactions from withdrawals to deposits. The bank put a freeze on my account, but they are still allowing deposits to go in without my permission. After telling the bank over and over that this account has been defrauded, they are still allowing monies to go into the account. I cant understand how a bank can allow any activity with a defrauded account. I have tried to stop this, but they continue to let money in the account. I have lost my paycheck for the week and I am so trying to save my stimulus check. Unfortunately, no one is available to assist me with changing my account with the IRS due to their overload and my bank will keep the stimulus check which I need terribly at this time. I don't know who else to reach out to, to help me resolve this. I work in XXXX XXXX   and my hours are lowered due to COVID 19. I am desperate to stop the bank from taking my check because I need it to survive at this time. 


My fraud case number is XXXX Police report number is XXXX I look forward to hearing back from you and get this resolved Sincerely 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 monetary relief
Consumer complaint received 2020-04-08 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I received an email that I had two hard inquiries on all three  creditu bureaus in one day. I called XXXX  and they said they could not take them off. I have since put a freeze on my credit with all 3 credit reporting agencies. I've also sent in a dispute that these inquiries are fraudulent, as I did not make them. I want them removed from my credit report, but the agencies are saying they can not do that. 

XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I received an email that I had two hard inquiries on all three  creditu bureaus in one day. I called XXXX  and they said they could not take them off. I have since put a freeze on my credit with all 3 credit reporting agencies. I've also sent in a dispute that these inquiries are fraudulent, as I did not make them. I want them removed from my credit report, but the agencies are saying they can not do that. 

XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY 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 2020-04-08 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: AZ

Complaint narrative:
Company has repeatly denined removing information from my Experian credit report along with the false address ... as well as public record reporting with it ... i also have filed complaint with federal trade commsision. XXXX XXXX  is an has reported that I live in Wisconsin. An will not remove that account ... .also the chapter XXXX dismmised. Was never went thru with or fullied by any means an is not valied. An experian wont remove neither.

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