vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: CT

Complaint narrative:
Good Morning .I have issue with my previous mortgage company.There is issue with the Escrow account balance.The escrow balance on XX/XX/2019 is {$2800.00} but should be $ XXXX.The difference is $ XXXX.I would like to ask them what happen to {$1600.00}. 
I would like also ask them, why they accept mortgage down payment of {$3400.00} [ 1.9 % ] instead an quote of {$6500.00} [ 3.5 % ] required by FHA??

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: FL

Complaint narrative:
The credit reporting industry does not provide accurate credit scores that the mortgage lenders are using. For example experian gives you a FICO Score XXXX, but lenders use FICO score XXXX. There is a substantial difference between these scores and there is no explanation as to why there is such a difference. I have a great history on payments for mortgages and auto loans. I have never been late on either and have payed off mortgages and auto loans in the past. I have never foreclosed on a home loan nor short-saled, I have never had my cars repossessed, yet my FICO score for the mortgages and auto is much lower than what the FICO score being reported to me is, by almost 72 points. I am being told there are different models for determining scores for mortgages and auto loans. I don't understand why there are different models and why we can't get the formula for determining our scores ourselves.

It seems to me that this is a tactic lenders are using to justify giving you a higher interest rate to good paying consumers. It's an unfair practice and this industry needs regulations. Right now consumers can not dispute their scores only their credit reports. It is in my opinion that a consumer should have the right to know how FICO determines your scores for mortgages and auto loans. There should only be one score that is used by lenders, whether applying for a credit card, an auto loan or home loan and not this convoluted system they've created to scam people out of more money.

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 2019-11-14 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX XXXX   XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX   et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-11-14 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: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
An account appeared on my credit report from Southwest Credit Systems on XX/XX/2019. This account does not belong to me and should to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MI

Complaint narrative:
I am the victim of identity theft pertaining to a XXXX account which was opened in my name and using my Social Security Number. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The account number has a total balance of {$320.00}. The services provided for this account were rendered at XXXX XXXX in XXXX, Michigan, XXXX. 

Sometime in XX/XX/XXXX, XXXX contacted me via mail to attempt to collect on the balance of {$320.00}. Upon receipt of this bill, I contacted XXXX to inform them that I had been the victim of identity theft. Under their instruction, I completed and submitted an ID Theft Claim Packet, which I sent to them postdated XX/XX/XXXX. 

In support of this packet I provided : 1 ) a copy of my government issued photo ID, issued on XX/XX/XXXX ; 2 ) a copy of a signed lease agreement for my residency ; 3 ) a signed, notarized affidavit by my landlord, attesting to my uninterrupted residence. 

However, I received a bill collection invoice from Enhanced Recovery Company , LLC, dated XX/XX/XXXX which seeks recovery of {$320.00}. 

On XX/XX/XXXX, I contacted XXXX 's Fraud Department, an agent of which informed me that due to insufficiency of evidence, my claim had been rejected and my account had been moved into collections. This occurred entirely without my knowledge, and XXXX 's agent summarily informed me that because the account had been moved into collections, they could not reopen the claim for further evaluation. XXXX unilaterally and arbitrarily moved my account into collections despite their stated policy to contact any fraud claimant within two days of receiving their ID Theft Claim Packet ; that is, XXXX did not contact me upon receiving my packet submission. XXXX 's agent freely conceded as much. 

XXXX now has taken the position that I need to submit an additional ID Theft Claim Packet due to insufficiency of evidence. I oppose this requirement because it imposes an additional burden on me of needless document production and postage, an unfair waste of my time and resources, and I further protest XXXX 's behavior as abusive because they moved my account into collections without providing me any opportunity to provide supplemental or clarifying evidence, which damages my credit report notwithstanding my blameless conduct in fact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: DE

Complaint narrative:
I have talked to regional Acceptance many times during my loan. 
I started paying on my vehicle XXXX XXXX XXXX in XX/XX/XXXX. My loan matured in XX/XX/XXXX. They are still saying I owe XXXX on the loan. I know that I may owe a little but it doesn't make sense to owe XXXX. It is like I never paid anything. 
I feel I am being taken advantage of. I'm not sure if this has happened to anyone else.

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 2019-11-14 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: DC

Complaint narrative:
An account appeared on my credit report from XXXX XXXX XXXX on XX/XX/2019. This account does not belong to me and should to be removed immediately.

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 2019-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
I have mailed dispute letters to credit bureaus and directly to GLA, which GLA never answered? According to the AG 2015 settlement agreement, all medical collections not updated within 6 months must be deleted. Since this collection has never been updated, this means a real investigation has never happened, so according to FCRA laws, this must be deleted now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have opened a checking account with Captial One in XX/XX/2019. I have funded the account with several {$10000.00}. In addition, my pay checks go into this account ( about {$10000.00} per month ).  Despite these funds, Capital One does not allow me to use my account to transfer money to external accounts, i.e. accounts that are not registered under my name. I have called Capital One and they told me this is because my account " has not stabilized '' yet. They were unable to tell me what " stabilized '' exactly means ( given that I have sufficient funds on my account ) and when I will be able to make payments to external accounts. 

I am of the view that I should be able to use my bank account to transfer money - I am talking about money that is present on my bank account, i.e. not any money that I don't own - to external bank accounts. What else is the purpose of having an online bank account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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:
IN XXXX MY IDENTITY WAS STOLEN I FILED A POLICE REPORT. IN THE BEGINNING OF XXXX I STARTED TO SEE ACCOUNTS OPENING IN MY NAME XXXX XXXX WAS ONE OF THOSE ACCOUNT SO I DID ANOTHER POLICE REPORT AND PLACE THE FRAUDULENT ACCOUNTS ON THERE IT WAS INVESTIGATED BY XXXX XXXX POLICE AND THIS ACCOUNT WAS PROVEN NOT TO BE MINE SO IT WAS REMOVED FROM MY CREDIT REPORT. THIS XXXX XXXX ACCOUNT HAS REAPPEARED ON MY CREDIT REPORT WITH ANOTHER ACCOUNT NUMBER SO THAT IT COULD BY PLACED ON MY CREDIT AGAIN. IT IS THE SAME INFORMATION THAT WAS ON THERE THE FIRST TIME BUT NOW UNDER A DIFFERENT ACCOUNT NUMBER. I HAVE SENT CERTIFIED LETTERS ASKING THEM TO SENT ME A COPY OF ALL PAPERWORK BEARING MY SIGNATURE OR REMOVE THIS ITEM FROM MY CREDIT REPORT FREEDOM PLUS I HAVE NEVER OPEN AN ACCOUNT WITH THEM THERE ARE NOT WILLING TO ASSIST ME WITH THIS ACCOUNT. BECAUSE THE PERSON WHO OPENED THE ACCOUNT HAD ALL OF M INFORMATION.. WELL WHEN PEOPLE STEAL YOUR IDENTITY THEY CAN YOUR LIFE HISTORY THEY KNOW INFORMATION THAT CAN GET THEM LOANS OR CREDIT CARDS OR WHATEVER THE CASE MY BE. I HAVE SENT CERTIFIED LETTERS ASKING THEM TO SENT ME A COPY OF ALL PAPERWORK BEARING MY SIGNATURE OR REMOVE THIS ITEM FROM 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 non-monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019, I opened a checking and a savings account at my local Bank of America branch. I did this in response to a {$500.00} promotional offer I received in the mail ( document is attached ). The {$300.00} promotion for the checking account was paid, but I have not been paid the {$200.00} promotion associated with the savings account. All customer service agents I've spoken to using BofA 's toll free phone contact number have explicitly acknowledged that I met all the promo obligations and waiting periods. The promo was " supposed to be '' paid by XX/XX/2019. My first contact with the bank 's national customer service line was on XX/XX/2019 and that agent " elevated '' the issue pursuant to what apparently was a formal BofA process. The agent provided me an " order number '' for future reference ( #  XXXX ). All agents I've spoken with have said the elevated review would take up to 60 days. It has now been 61 days so I called again and was told today ( XX/XX/2019 ) that nothing has happened with the review. Please help.

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 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BK OF AMER with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never been late.

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 2019-11-14 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 Florida XXXXUpon 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 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit reporting industry does not provide accurate credit scores that the mortgage lenders are using. For example XXXX  gives you a XXXX Score XXXX, but lenders use XXXX score XXXX. There is a substantial difference between these scores and there is no explanation as to why there is such a difference. I have a great history on payments for mortgages and auto loans. I have never been late on either and have payed off mortgages and auto loans in the past. I have never foreclosed on a home loan nor short-saled, I have never had my cars repossessed, yet my XXXX  score for the mortgages and auto is much lower than what the XXXX  score being reported to me is, by almost 72 points. I am being told there are different models for determining scores for mortgages and auto loans. I don't understand why there are different models and why we can't get the formula for determining our scores ourselves.

It seems to me that this is a tactic lenders are using to justify giving you a higher interest rate to good paying consumers. It's an unfair practice and this industry needs regulations. Right now consumers can not dispute their scores only their credit reports. It is in my opinion that a consumer should have the right to know how XXXX determines your scores for mortgages and auto loans. There should only be one score that is used by lenders, whether applying for a credit card, an auto loan or home loan and not this convoluted system they've created to scam people out of more money.

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 2019-11-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit reporting industry does not provide accurate credit scores that the mortgage lenders are using. For example experian gives you a FICO Score XXXX, but lenders use FICO score XXXX. There is a substantial difference between these scores and there is no explanation as to why there is such a difference. I have a great history on payments for mortgages and auto loans. I have never been late on either and have payed off mortgages and auto loans in the past. I have never foreclosed on a home loan nor short-saled, I have never had my cars repossessed, yet my FICO score for the mortgages and auto is much lower than what the FICO score being reported to me is, by almost 72 points. I am being told there are different models for determining scores for mortgages and auto loans. I don't understand why there are different models and why we can't get the formula for determining our scores ourselves.

It seems to me that this is a tactic lenders are using to justify giving you a higher interest rate to good paying consumers. It's an unfair practice and this industry needs regulations. Right now consumers can not dispute their scores only their credit reports. It is in my opinion that a consumer should have the right to know how FICO determines your scores for mortgages and auto loans. There should only be one score that is used by lenders, whether applying for a credit card, an auto loan or home loan and not this convoluted system they've created to scam people out of more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
I have disputed this collection several times through the credit bureaus and directly to Cavalry Portfolio,  which was never answered? I asked for documentation this is my obligation and the procedure of reinvestigation was done. No response from Cavalry!!!

Company response to consumer: Closed with explanation