vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am the cosigner for this loan, the original loan is with XXXX XXXX, XXXXXXXX XXXX is a debt collector and is reporting false information on my reports, the original signer had 6 extensions with XXXX, XXXXXXXX XXXX is saying that they are late payments - I have been trying to get this resolved for 6 years now - before I paid off the account for the original signer, I was told that the account will not affect my report because I am paying it off for her, and that the account will be noted as paid in full on the original debtor account and that there are no late payments. This account was then added to my report, XXXX then added late payments sometimes it shows up as 4 and sometimes it shows up as 6 late payments, this was not on the original signer report it was only on my report and I am the co-signer. I contacted XXXX the original creditor, they stated that the account should reflect what they have, and they show that the late payments are extensions. XXXX XXXX has damaged my credit I recently contacted crescent bank again I was told to wait for 20 years and they will remove this information from my report. I want this account removed from all my report immediately. Please contact XXXX for the correct documentation. Per XXXX please do an audit against XXXX and XXXXXXXX XXXX and remove the account imedisally from my report due to false information being reported.

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 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In XX/XX/XXXX, someone fraudulently applied for a XXXX credit card in my name, I immediately contacted the credit guarantor and they launched an investigation. The result was that fraudulent information was used in the attempt to obtain a card with my ssn. The persons application for the card was not approved. XXXX stated that they would begin the process to remove the hard inquiry from all three of my credit bureau reports. To this day, XX/XX/XXXX, the inquiry remains and has NOT been removed. This was AFTER I submitted a complaint to CFPB and the XXXX concerning this matter.

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 2021-03-26 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: IN

Complaint narrative:
In XX/XX/XXXX, someone fraudulently applied for a XXXX credit card in my name, I immediately contacted the credit guarantor and they launched an investigation. The result was that fraudulent information was used in the attempt to obtain a card with my ssn. The persons application for the card was not approved. XXXX stated that they would begin the process to remove the hard inquiry from all three of my credit bureau reports. To this day, XX/XX/XXXX, the inquiry remains and has NOT been removed. This was AFTER I submitted a complaint to CFPB and the XXXX concerning this matter.

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 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and cred.it inquiries on my credit report without my knowledge I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I am a victim of identity theft. I have attached the FTC report below along with my driver 's license and social.

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 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/21 - contacted Transunion by phone at XXXX. 

A bankruptcy was placed on my credit report without verifying any information. 

Spoke w/ XXXX at Transunion XXXX XXXX indicated on a monitored and recorded line that US Bankruptcy XXXX Georgia verified information placed on my credit report by phone. She verified the phone number of the court. I advised the court does not verify bankruptcies at all much less by phone. I advised that I provided proof of such. She transferred me to a supervisor XXXX. 

XXXX at Transunion indicated that my dispute was not reinvestigated because it was already deemed as resolved, verified and accurate. Therefore, Transunion has lied to the CFPB. They did not investigate or attempt to resolve my complaint. 

Both calls were monitored and recorded. Transunion should be REQUIRED to provide the CFPB with both calls. 

Also, Transunion provided IN WRITING a letter citing the bankruptcy court as the source in verifying this information. As Ive indicated in all of my disputes that are NOT being investigated, this information is false. I have spoke with the bankruptcy court and I have documentation from the bankruptcy court that they do NOT verify bankruptcies.

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 2021-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/XXXX I was charged a {$5.00} excess activity fee from Key Bank for transferring funds from my savings account to my checking account. This resulted in an overdraft fee being assessed. I was able to get the overdraft fee resolved, but prior to doing so I researched the reason for the original fee, and the verbiage on their website detailed it as being in compliance with Regulation D. My transfers did not exceed 6 in one month and seemed to be more due to the dollar amount of the two transfers out of the account to my checking, totaling {$1100.00}. It was my understanding that Regulation D was lifted in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
During the period of XX/XX/09 thru XX/XX/09 our home lender Citi Mortgage put our loan into a trial program in order to lower our monthly payments. 
After the 120 day period without as they said they never received any monthly payments towards our loan, or, also, never receiving any paperwork which was totally untrue as we had sent them a minimum of four times, still made our mortgage payments but as a small reduced amount, until we were approved in their plan, we were sent a foreclosure letter stating our home was in arrears and was on the steps of the Supreme court of Arizona the following week for the highest bidder. 
Through my wifes diligence getting through to the main offices in Missouri to the Citi bank lawyers, we were told if we sent {$17000.00} US dollars in a specific time the proceedings would be voided. 
This we did by quickly borrowing from family and saved us from thrown into the street.

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 2021-03-26 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: FL

Complaint narrative:
Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and cred.it inquiries on my credit report without my knowledge I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I am a victim of identity theft. I have attached the FTC report below along with my driver 's license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One/Walmart Mastercard is requiring approval of each purhase from the same merchant I have been using for more than 50 transactions. Its harrassment to have me verify each and every purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: FL

Complaint narrative:
Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and cred.it inquiries on my credit report without my knowledge I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I am a victim of identity theft. I have attached the FTC report below along with my driver 's license and social.

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 2021-03-26 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: GA

Complaint narrative:
In XX/XX/XXXX I filed a dispute with Experian in regards to their inaccurate and inconsistent reporting of an auto loan on my credit report. On XX/XX/XXXX Experian sent me a letter saying the information has been updated. Only to find out the information reported by Experian is still inaccurate and inconsistent. Experian has balance of {$17000.00} when the creditor has a balance of {$13000.00}. I have been constantly disputing this inaccurate and inconsistent account with Experian and they have yet to delete this inaccurate account which is a violation of the law. As of XX/XX/XXXX this inaccurate and inconsistent account still remains on my credit 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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: CT

Complaint narrative:
I went to a car dealership company in XXXX XXXX  XXXX looking for an XXXX XXXX XXXX specifically I was introduce to four different salesman as soon as the sale occurred from the beginning it was an unorganized and very inconsistent atmosphere, while Im sitting down in an office another agent comes in and tells me what I am qualified for I never put down any consent for anything but at the time I did not put two and two together as to how he knew what I was eligible for-for the down payment. I then later got a notification from my XXXX XXXX and XXXX  account saying that my credit score has changed from a hard inquiry and I have called the company back and they did not reach back 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
Consumer complaint received 2021-03-26 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
American Express - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX - Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Complaint against NewREZ XXXX www.newrez.com XXXX. XXXX  XXXX XXXX, TX XXXX My mortgage was transferred to Shellpoint Mortgage which then became NewRez LLC some years ago. In XX/XX/XXXX I began paying extra principal and just additional money on my mortgage. Unfortunately, I didnt pay a lot of attention of how my extra payments were being accounted for, but I assumed that it was going to principal and interest payments. I had a XXXX in XX/XX/XXXX and in XX/XX/XXXX I finally reviewed my mortgage account to see how much longer it would take to pay it off. I realized that what they did was they kept pushing out next due date as opposed to applying the funds to my account. Ins My XXXX statement of XX/XX/XXXX stated I owed {$0.00} on XX/XX/XXXX and my next due date was XX/XX/XXXX ( or XX/XX/XXXX ). To me that meant they had at least five months of payments accredited to my account or at least {$12000.00} ( my regular payment was {$2400.00} although I often rounded up to {$2500.00} ). My first call on XX/XX/XXXX the customer service rep said she would enter a ticket to have my payments reassigned to principal. She thought I might have somewhere between 12 and {$15000.00} overpaid. At that time, I owed {$12000.00}. She told me it would take 3-5 days to process. Nothing happened so I called back on XX/XX/XXXX and spoke to XXXX. She said she saw the notes but no ticket so she opened one and said she would escalate to her manager. On XX/XX/XXXX NewRez fluctuated my due amount between {$12000.00} and {$22000.00} and determined I owed {$9500.00}! I called back on XX/XX/XXXX and spoke to XXXX who would not explain why they did what the did but their adjustments were correct were correct. After that fiasco I noticed they had pushed my next payment out to XXXX. I called and spoke to XXXX and we figured if we took the 2 months credit into account if I paid on XXXX we figured the new principal would be {$4700.00}. NewRez moved my next payment due to XX/XX/XXXX but only reduced my payment to {$8300.00}. I do not understand their funny math so Ive attached the spreadsheet with my payment history. I feel I should owe much less than what they are billing me. I believe they are being dishonest, I have attached the payment record for you review. I hope you can help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
I have proof that they are scamers. Im going to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT 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 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation