vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: GA

Complaint narrative:
On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and XXXX XXXX has ignored any attempt that I have made to rectify the problem, the debt is for {$14000.00}. I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed several items on my credit report on numerous occasions that are not being addressed by the credit agency to my satisfaction. These reporting 's are either not mine, I have no knowledge of ; or are of fraudulent reporting 's to Transunion credit bureau. 

I have submitted on paper and online to Transunion. 
Sometimes I receive a response via my credit report - not from the credit reporting agency and the response I receive is " verified claim belongs to me. '' This is not possible as I am 1 ) experiencing identity theft issues currently ; 2 ) some medical claims are mine YES, but the physician making the claim is double dipping after insurance claims being filed and paid ; 3 ) in the past 6 months alone, I have had > than 90 hard inquiries being reported on my credit report that I have no knowledge of and are unauthorized.

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 2020-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I PURCHASED A LEASED VEHICLE FROM XXXX  XXXX XXXX BACK IN XXXX.FAST FORWARD TO XXXX, I WENT INTO THE SAME DEALERSHIP FOR AN OIL CHANGE AND WAS ADVISED THAT THEY HAD A BUY BACK PROGRAM WHERE THEY WERE BUYING PEOPLE OUT OF THEIR LEASES. SO I ENDED UP WALKING OUT THE SAME DEALERSHIP WITH A NEW XXXX XXXX XXXX. WHEN TALKING TO THE SALESPERSON WE TALKED ALL ABOUT GAP INSURANCE AND THE PAYMENTS & I THOUGHT I WAS SET. XX/XX/XXXXI WAS REAR ENDED & MY CAR WAS DEEMED A TOTAL LOSS. THE OTHER DRIVERS INSURACNE PAID $ XXXX ON THE BALANCE & THE REST SHOULD HAVE BEEN SETTLED WITH GAP INSURANCE. I HAVE TRIED TO REACH OUT TO THE FINANCE MANAGER AT  THE DELAERSHIP AS WELL TRIED TO REACH OUT TO SANTANDER ADVISING THE ACCOUNT SHOULD BE CLOSED AS IT WAS A TOTAL LOSS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect information that is on my credit report. Which relates to late/missed payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX  Monthly Payments Sunoco/CBNA XX/XX/XXXX $ XXXX  Monthly Payments XXXX XXXX XXXX XX/XX/XXXX {$62.00} Minimum monthly payment

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 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: AZ

Complaint narrative:
On XX/XX/2020, signed closing documents refinancing my home. Proceeds were to be distributed to several companies to payoff other loans. The 3 day wait period ended on XX/XX/2020. Payoff amounts were based on specific dates, however, those dates have passed. I was told that checks were mailed regular mail on XX/XX/2020, which means there are no tracking numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried several times to have Equifax and XXXX   correct and erase wrong debt and information corrected on my credit report and each time they have not. XXXX XXXX XXXX  has tried to pass of old debt as new. They bought a debt thats past 7 years old by XXXX and is no longer on my credit report and made it new. Same with a car loan that was a charge off they reported it as a new account in XX/XX/2019 which is false and they have submitted the wrong amount owed. The car was in an accident and the company cot insurance money towards the loan and also the car was released to them and they sold it and did not disclose that amount and remove that amount from debt. XXXX XXXX is going against my fair credit rights in reporting the accurate dates and amounts. Again XXXX is no longer on my credit report due to how old it is I have sent several complaints to XXXX  and Equifax they have done nothing to protect my rights and fix the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/2019 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and XXXX XXXX has ignored any attempt that I have made to rectify the problem, the debt is for {$15000.00}. I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH NOR HAVE RECEIVED SERVICES FROM, REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1700.00} WITH XXXX, XXXX, & XXXX CREDIT REPORTING AGENCIES. I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDED ADEQUATE PROOF. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODS OR SERVICES THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROO. I AM NOT OLBIGATED TO PAY FOR THE ALLEGED DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: VA

Complaint narrative:
XXXX XXXX XXXX, acct # XXXX, OPENDED XX/XX/2018 : I do not have an account with this company. I do not have ANY open collection accounts. I have never ratified a commitment to borrower funds of any type from this company, nor do I have an outstanding collection account with them. Did they buy a closed out debt that was resolved, that they're scamming me for additional funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: LA

Complaint narrative:
I recently received a phone call from a debt collector in reference to a payment on a credit card that I did not apply for, possess, or receive any benefit from. That is when I decided to check my credit report for accuracy. That is when I found out that I am a victim of identity theft. Some criminal used my personal information to fraudulently apply for several credit cards. There are two fraudulent XXXX XXXX credit cards reporting on my credit report that I did authorize my personal information to be used to apply for. I also have received no benefit from them. I have contacted the bank and the credit bureaus and no one seems to be willing to help me remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: LA

Complaint narrative:
I recently received a phone call from a debt collector in reference to a payment on a credit card that I did not apply for, possess, or receive any benefit from. That is when I decided to check my credit report for accuracy. That is when I found out that I am a victim of identity theft. Some criminal used my personal information to fraudulently apply for several credit cards. There are two fraudulent XXXX XXXX credit cards reporting on my credit report that I did authorize my personal information to be used to apply for. I also have received no benefit from them. I have contacted the bank and the credit bureaus and no one seems to be willing to help me remedy this situation.

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 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
NewRez Mortgage Servicing Co. are not paying my county real estate taxes. I have been working with them all of XXXX and still do not have my taxes paid from XXXX XXXX. I understand this company has some serious problems with many other people. I have called them everyday starting on XX/XX/XXXX when I received my Delinquent tax bill. I faxed them 2 copies of the tax bill. My mortgage is paid up. They have taken my money for taxes, put it in an escrow account and not paid the taxes. Their associates don't know what to do, 90 % of the time. I have contracted them at least 30 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir, I'm writing in response to your letter dated XX/XX/XXXX that I received from the Consumer Finance Protection Bureau, a copy of which is enclosed for your reference. 

In your XX/XX/XXXX letter you claimed that the photo of my New York driver 's license matches your record of a Kansas driver 's licence that you have on file. Please provide me with a copy of that drivers license as I am certain that the loans were the product of fraud. 

Last time I ask for your document to prove that the loan belongs to me, you have sent over a foreign passport of a XXXX national ( the passport does not belong to me ). Also, please confirm for whether your records indicate that this loan belongs to a Kansas resident ( US citizen ) or a XXXX national. You also claimed that you have verified the Texas address is under my name and social security number, would you mind elaborate how you did that? I never lived in Texas. 

Second, the loan you send over, per your letter, has a first application signed on XX/XX/XXXX, which was approved. But the applicant 's name is XXXX XXXX, with phone number XXXX. That is not my name and not my phone number. The second application, dated XX/XX/XXXX, was under my name XXXX XXXX, with phone number XXXX, which is not my phone number either, according to you ( if I understand correctly ) was denied. Would you please clarify, why you are attempting to hold me responsible for loan applications under two, different names, one of which is not my name. 

To be clear, I believe that your files are either mixed up or I am a victim of identity theft. In addition to the Kansas drivers license requested above, kindly send me all promissory notes and loan applications. 


Thank you very much for your time. 

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 2020-03-26 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: CA

Complaint narrative:
I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW ACCOUNT SHOWING LATE PAYMENT HISTORY. I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNT AMENDED IMMEDIATELY TO SHOW NEVER LATE. I HAVE FOUND AN ACCOUNT REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNT. 

PLEASE AMEND THIS ACCOUNT TO SHOW, NEVER LATE. ON XXXX, XXXX AND XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW ACCOUNT TO BE AMENDED AS IT WAS BEING REPORTED IN ERROR. 

TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT AND NOW YOUR COMPANY IS IN VIOLATION THE 3RD TIME OF THE FCRA GUIDELINES REGARDING INVESTIGATIVE RESULTS REPORTS DEADLINES ON I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.

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 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC
State: NJ

Complaint narrative:
I have called Gregory Funding repeatedly over several years for their assistance in refinancing a 7.5 % {$860000.00} mortgage. They refuse to offer assistance at all. The say to go to another bank and refinance with them. This is a loan that was originated during the housing crises. The government has provided many different programs to consumers to refinance such loans, however, due to my low income, I can not get approved anywhere for a refinance. Gregory Funding holds this mortgage NOW. They refuse to even assist with lowering the 7.5 % interest rate when mortgages rates in todays market are between 3.5 - 4 %. My credit is excellent. Despite many obstacles ( housing crises, financial crises, medical issues, unemployment, hurricane Sandy, etc. ) I have remained steadfast in paying Gregory Funding over {$7000.00} a month for this mortgage. The least they could do, is assist me with locking in a lower rate. There are also issues with them placing insurance on the property when I already have sufficient insurance. They never answer their phones, except at the end of the month when payments are due. I do not understand how Gregory Funding gets to choose if it wants to comply with mandatory debt relief programs for people with predatory loans. Please please offer some assistance, if anything, with a lower interest rate. Thank you.

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 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
SunTrust / Truis is not being helpful with mortgage forbearance during the pandemic. I am out of work due to the Corona virus and am attempting to be pro-active in not falling behind with my mortgage. 

I have called Suntrust everyday since Friday XX/XX/XXXX. They have a special number for their Mortgage Solutions team XXXX. After being on hold for four hours the line automatically goes dead. This has happened to me three times now. I have no idea how to get a hold of a customer service agent to help me. 

This is not how a company should be run.

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 2020-03-26 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:
Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Equifax  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Equifax  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.

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 2020-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
Remove disputes please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I sent both copies of bill XXXX in full to Experian the bill was XXXX XXXX XXXX. Experian stated that I still owe XXXX which is not true I re sent Experian both copies by mail and they stated that there not changing my report, I sent same copies to XXXX and they posted that payment was played in full. I don't know how Experian does business.

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 2020-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a second mortgage with XXXX XXXX XXXX in 2006. The home was illegally foreclosed on and charged off years ago. Now XXXX XXXX XXXX just started reporting late payments on my credit again as if the account is re-opened. They just reported me 120 days late and dropped my scores. XXXX XXXX XXXX also re-aged the 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 explanation
Consumer complaint received 2020-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a second mortgage with XXXX XXXX XXXX in 2006. The home was illegally foreclosed on and charged off years ago. Now XXXX XXXX XXXX just started reporting late payments on my credit again as if the account is re-opened. They just reported me 120 days late and dropped my scores. XXXX XXXX XXXX also re-aged the account.

Company response to consumer: Closed with explanation