vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I am trying to have a fraud alert removed from my account on Experian. You can not contact anyone by phone or email. The only way to contact or file a dispute is by uploading documents and filing the complaint/request online or mailing in the form. I attempted multiple times to fill out the form and upload documents. I got an error message multiple times on multiple days. I finally mailed in the documents and waited weeks for a response. When I finally got a response, it made no sense at all, did not include the information the letter said was included, and did not remotely resolve my issue. I tried again to upload a copy of the letter they sent and ask why it didn't include my credit report or list of results the letter promised, and again got the error message on the experian site. I tried several times and was not able to upload documents or ask any questions. A company with this much power over my ability to use my credit card should not have no way to contact 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 non-monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like request a full Lexis Nexis, XXXX XXXX, XXXX credit reports. I have attached my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: NV

Complaint narrative:
I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 XXXX. XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: NV

Complaint narrative:
I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 2.  XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized 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 2020-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Disputed derogatory in writing to XXXX who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Jefferson Capital Systems in excess of 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: DC

Complaint narrative:
Dispute Statement : Case # XXXX ( Trans Union ) Case # XXXX ( XXXX Report ) Since I refinance my Auto loan to XXXX, I NEVER missed payment, with the only exception of my NINE days lateness on XX/XX/XXXX ( which is because my payday moved from XXXX to XXXX ). I always pay on XXXX or latest on last day XXXX of each month. 
In my end the past six-months payment history goes like this : th 1.  XX/XX/XXXX, $ XXXX th 2. XX/XX/XXXX, $ XXXX th 3. XXXX, $ XXXX th 4. XX/XX/XXXX, $ XXXX th 5. XX/XX/XXXX, {$320.00} XXXX th 6. XX/XX/XXXX, $ XXXX XXXX Payment made at XXXX bank cashier. ** Payment made by bank transfer. 
The two payments I made on bank cashiers erroneously goes to the principal payment rather than the monthly payment and incur me additional {$30.00} fee. First, they keep saying you didnt pay yourXX/XX/2020monthly payment which I did, and I proofed them by showing the difference between the begging and ending balance of my loan. They promised me they will reevaluate and will do adjustments including the {$30.00} fee, rather they report it to consumer. The same scenario happened for XX/XX/2020. 
Before that I used to have a debit account with them and they automatically tool money from that account until XXXX or XX/XX/2020. Usually I drop money on that account through ATM before my last day of payment. But on XX/XX/2020, due to Covid-19 I couldnt find a working ATM and I made payment at the cashier for the first time. I try explained this situation to the guy called me for late payment he understands and accept it & he told me he will made adjustment ( i.e. to apply the payment I made to principal to monthly payment ) and waived me {$30.00} NSF. I told him I want to keep payment this way sometimes, he told me it is okay but noted me to tell the cashiers I am making the monthly payment & I did that all the time when I made payment at the bank cashiers. 

After I proof them I didn't miss any payment over the phone the promised to make adjustment but I ask the took fix the their credit bureau report. But they recommend me to to dispute through the credit report agencies I heard the deliquesce report. ( I spoke with XXXX credit department representative 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 explanation
Consumer complaint received 2020-10-22 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Dispute Statement : Case # XXXX ( XXXX XXXX ) Case # XXXX ( Experian Report ) Since I refinance my Auto loan to XXXX, I NEVER missed payment, with the only exception of my NINE days lateness on XX/XX/XXXX ( which is because my payday moved from XXXX to XXXX ). I always pay on XXXX or latest on last day XXXX of each month. 
In my end the past six-months payment history goes like this : th 1.  XX/XX/XXXX, $ XXXX th 2. XX/XX/XXXX, $ XXXX th 3. XXXX, $ XXXX th 4. XX/XX/XXXX, $ XXXX th 5. XX/XX/XXXX, {$320.00} XXXX th 6. XX/XX/XXXX, $ XXXX XXXX Payment made at XXXX bank cashier. ** Payment made by bank transfer. 
The two payments I made on bank cashiers erroneously goes to the principal payment rather than the monthly payment and incur me additional {$30.00} fee. First, they keep saying you didnt pay your XX/XX/2020 monthly payment which I did, and I proofed them by showing the difference between the begging and ending balance of my loan. They promised me they will reevaluate and will do adjustments including the {$30.00} fee, rather they report it to consumer. The same scenario happened for XX/XX/2020. 
Before that I used to have a debit account with them and they automatically tool money from that account until XXXX or XX/XX/2020. Usually I drop money on that account through ATM before my last day of payment. But on XX/XX/2020, due to Covid-19 I couldnt find a working ATM and I made payment at the cashier for the first time. I try explained this situation to the guy called me for late payment he understands and accept it & he told me he will made adjustment ( i.e. to apply the payment I made to principal to monthly payment ) and waived me {$30.00} NSF. I told him I want to keep payment this way sometimes, he told me it is okay but noted me to tell the cashiers I am making the monthly payment & I did that all the time when I made payment at the bank cashiers. 

After I proof them I didn't miss any payment over the phone the promised to make adjustment but I ask the took fix the their credit bureau report. But they recommend me to to dispute through the credit report agencies I heard the deliquesce report. ( I spoke with XXXX credit department representative 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 2020-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Disputed derogatory in writing to XXXX  who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Portfolio Recovery Associates in excess of 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Since 2018, I have sent numerous letters, emails, contacted collection agency directly. 
What happened ; I was notified by several institutions of credit and security breaches : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

My complaint is regarding a collection agency LVNV that is causing me harm due to collections in my credit report. My score is 23 points lower. 
I in writing clearly explained to the collection agency and requested a contract signed by me re : these debts. 

I have been damaged/harmed by their actions during the Covid Pandemic! I have been denied access to needed assistance due to  these collections, that are erroneous. This is a malicious collection agency and I am researching resources with the Attorney Generals office as well. I kindly requested complete removal of these collections on countless occasions! I asked them kindly to please remove them, as we are in unprecedented times and all resources are needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Tried to get the free credit report but the bureau says the information provided is wrong.

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 2020-10-22 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: NV

Complaint narrative:
I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 2.  XXXX 3. XXXX  XXXX and a medical company which was not opened by me or authorized 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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
on myEQUIFAX report I noticed an item showing up that have not been on my report in several years. I realized it when I noticed my score drop by at least 20 points. It was from an old debt I HAD CLEARED UP AND WAS REMOVED, NOW IT IS REAPPEARING ON MY REPORT. IT WAS FROM AN OLD ACCOUNT AT XXXX XXXX  THAT HAS BEEN PAST CLEARED UP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account was opened without my consent. I recently found out because I had my lender run my credit for a home loan. I filed a police report and submitted this to the creditor and the credit bureaus and they all still refuse to remove this from my credit. I have been fighting this account to be removed from my credit for months now and even with my police report as evidence of this account being fraud they refuse to remove this which is hurting my credit immensely!

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Tried to get the free credit report but the bureau says the information provided is wrong.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Tried to get the free credit report but the bureau says the information provided is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I would like request a full XXXX XXXX, XXXX XXXX, Innovis credit reports. I have attached my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like request a full XXXX XXXX, Sage Stream, XXXX credit reports. I have attached my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: NV

Complaint narrative:
I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with XXXX dating back to XX/XX/2017 XXXX. XXXX XXXX. XXXX XXXX and a medical company which was not opened by me or authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NY

Complaint narrative:
I closed on a mortgage loan on XX/XX/XXXX with XXXX XXXX XXXX. my mortgage loan was transferred to AmeriHome mortgage by the original loan originator in XX/XX/XXXX. The original loan was for {$240000.00} on a 30-year basis at an interest rate of 5.75 %. 

I aggressivly made prepayments to reduce the principal amount before the transfer and after the transfer. AmeriHome consistently misapplied these payments as future payments against interest, as opposed to against principal. When I contacted them numerous times by phone to complain, they applied the amounts against principal, but treated them paid against principal on the date of recharcterization as opposed to the date received. As a result, I paid approximately {$500.00} more in interest payments than I would have if they applied the prepaid amounts as of the date actually received. 

To avoid further overcharging, I paid off the remaining balance of the mortgage in its entirety in the amount of {$180000.00} on XX/XX/XXXX, and wrote to AmeriHome that day via email to request they research the overcharges for interest, correct the record to apply prepayments of principal as of the date actually received, and refund interest improperly charged. I have received no response. 

AmeriHome 's records confusing as a result of their misapplication of funds and recharacterization on different dates, making it very difficult for consumers to understand what they are doing. A single prepayment can thus have two or three entries. Even their own customer service staff have difficulty understanding the history due to their records. The accounting problem hides the overcharges, especially for consumers who are not adept at reading accounting statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
Guaranteed Rate lender delayed my application. I had to constantly probe into its status. When they finally did contact me they denied the loan based on information I had given them from the start. This delayed my application, resulting in an opportunity cost of not continuing with other lenders, and has also caused the one month credit check report to lapse which means when I apply with another company a hard credit check has tbe rerun. 

I had informed them I had a duplex. I told them how much rent I was getting from the rental unit ; that I and my son lived in the main unit but also that there is rent from the main unit as it is near the campus and being a large home its extra rooms are rented. They did not take this information into account to figure out my countable income. After a long delay they finally said the rental income from my own owner occupied unit is not counted hence not meeting income to debt ratio. 

Their non-responsive, un-informing, uninformed approach has cost me delays, hence costs and a lowered credit score due to thirty day  lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: IL

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 2020-10-22 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: IL

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 2020-10-22 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: IL

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