vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted these three companies since XX/XX/2020. I have yet to receive any mail from them in regards to any accounts reporting on my credit report. I have the right as a consumer to have every account on my credit report verified which they have failed to do! 

At this point I am distressed at the lack of response. I have children and am trying to purchase a home and this is really affecting my ability. This is delaying my process. 

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated.

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 2021-01-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted these three companies since XX/XX/2020. I have yet to receive any mail from them in regards to any accounts reporting on my credit report. I have the right as a consumer to have every account on my credit report verified which they have failed to do! 

At this point I am distressed at the lack of response. I have children and am trying to purchase a home and this is really affecting my ability. This is delaying my process. 

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting XXXX  XXXX  XXXX  in my credit report as a charge off account with XXXX XXXX XXXX. And I have asked them to investigate this item and send me proof of this account and they have not sent me proof but told me that account was verified. And have not sent me proof of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I applied for a locked 3.29 % fixed rate 30year cheloc in PNC bank with XXXX XXXX and XXXX XXXX on XX/XX//2021, but when I review our current application files, I found XXXX changed the initial application into the current one with 3.75 % variable rate 40year heloc without notifying me in advance. 4 other PNC bankers told me I can start my initial application in the beginning. But XXXX insisted on proceeding, then send a lock request after the current variable heloc is approved. By his way, in my experience I will be very passive in the end and most probably I can't get 3.29 % fixed rate 30 year heloc. I don't like his way

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: NJ

Complaint narrative:
These companies all have not properly verified an existing problematic account reporting on my credit report. I have contacted them since XXXX. They never sent any documents from the letters I sent that properly verified this auto car loan that is reporting on my credit report which shouldnt be on there. All I keep receiving is letters from these bureaus stating " this was verified '' or " this was updated '' and never any documentation from the actual company. I am distressed that this issue has been going on for 6 MONTHS. This is ridiculous. This account needs to be removed from my credit report. There are laws that protect me as a consumer and they are going against ALL OF THEM. NO proper response and false validation or verification on their end.

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 2021-01-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
These companies all have not properly verified an existing problematic account reporting on my credit report. I have contacted them since XXXX. They never sent any documents from the letters I sent that properly verified this auto car loan that is reporting on my credit report which shouldnt be on there. All I keep receiving is letters from these bureaus stating " this was verified '' or " this was updated '' and never any documentation from the actual company. I am distressed that this issue has been going on for 6 MONTHS. This is ridiculous. This account needs to be removed from my credit report. There are laws that protect me as a consumer and they are going against ALL OF THEM. NO proper response and false validation or verification on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint narrative:
My lease account from Nissan started in XX/XX/XXXX. 
My car was involved in an accident in XX/XX/XXXX. My insurance paid the remainder to NMAC in full, a payment of {$15000.00} was made to NMACE in XX/XX/XXXX. 
NMAC still shows that my account has 4 late payments adding up to more than {$1000.00}. This is not correct, the car is completely paid off.

I called NMAC, they said they will fix it but they did not. I asked them to correct the information on my credit report, they asked me to submit a dispute and they will act accordingly. I submitted a dispute on XXXX. The dispute processing was completed and the account still shows the late payment. This brought my credit score from XXXX to XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
I do not recognize this hard inquiry on my credit. 
Need this take off please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: Garcadia Financial LLC
State: CA

Complaint narrative:
I do not recognize this hard inquiry on my credit. 
Need this take off please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
On XXXX XXXX there were unauthorized transactions made in 3 different locations.They were XXXX XXXX  New York , Ny XXXX, XXXX XXXX New York , Ny XXXX and XXXX XXXX XXXX New York XXXX XXXX I noticed my card was declined I called KeyBank customer service right away to see what they as the problem thats when I was told it was because of these charges.I then proceeded to tell them that was not me and they sent me to their fraud department and I opened a case and they said they would investigate.I still had my card with me so I was unsure how these transactions were made and so I waited for their response.I was then sent a letter by them that just said my case was closed and that I authorized these transactions.I immediately called and spoke to a fraud specialist and asked her what I could do to get my case reopened because I did not make these charges.She basically told me theres nothing I can do and I need to figure it out myself. I called them many times to get this problem solved and even went personally to the bank and they wouldnt help me figure something out or a way I can fight this.Now Im making a police report because they wont help me get back my {$2300.00} dollars that were stolen from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16 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: Experian Information Solutions Inc.

Complaint narrative:
My lease account from XXXX started in XX/XX/XXXX. 
My car was involved in an accident in XX/XX/XXXX. My insurance paid the remainder to XXXX in full, a payment of {$15000.00} was made to XXXX in XX/XX/XXXX. 
XXXX still shows that my account has 4 late payments adding up to more than {$1000.00}. This is not correct, the car is completely paid off. 
I called XXXX, they said they will fix it but they did not. I asked them to correct the information on my credit report, they asked me to submit a dispute and they will act accordingly. I submitted a dispute on Experian. The dispute processing was completed and the account still shows the late payment. This brought my credit score from 750s to 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 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
The owner of the mortgage passed away. We have tried to work with SPS, we have submitted documents to them from the surrogate 's court. Every time we submit the documents to them, they always come back stating that they never received any documents or some other excuse, why we can not even get basic information on the loan. They will not give us any information or try to help us bring the loan current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I was contacted through email from ACE Cash Express stating I owe over {$2000.00} dollars for a debt I did have a few years ago. At first I didnt know if it was a legal debt and I did find the company on the list. I made arrangements to pay the {$300.00} that was agreed to close the acct. then I got another email saying we forgot to tell you, you owe another {$190.00} or we will send you to get sued and pay more. I told them I wasnt going to pay. I was then contacted by 2 other people saying the same thing that I will be sued and have to go to court and pay the full amount. On email said if I pay the {$190.00} they will close the account. They have my social security number so I got real scared and paid it. Then I received another email saying I owe an additional {$140.00}. I then told them I am not paying so they threatened me to send my acct to a lawyer. I then filed a police report for harassment and the officer told me it is fraud and to report my social security number is being fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AES/PHEAA
State: MI

Complaint narrative:
I applied for schooling for XXXX University in XXXX, and the person that helped me stated i should get a student load to pay off the rest of the schooling. in the process of trying to go to school, i had to withdraw due to health medical reasons in XXXX leading up to the end of XXXX, in XX/XX/XXXX - now i have been unable to work because i have been XXXX, and the man i spoke to associated with the loans never even helped me or get consent to get these loans. even when i withdrawn if i took out anything i would have been reimbursed for the money unused, and this wasnt the case, the school or the man that assisted me at my time when i had medical issues happening, i think they pocketed the money from the loans because i never received any books, or classes for the money that was borrowed under my name. i have been XXXX since XX/XX/XXXX and have been unable to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

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 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX I called transunion to tell them I had inquires that weren't mine. I asked can I dispute them. Transunion insist the I go and file a police report and they can help me with a police 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 2021-01-16 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: NY

Complaint narrative:
I do not own a high school degree Someone has stolen my information With out my consent I have student loans Along with medical bills I never signed paperwork For school nor any credit cards my Address is XXXX XXXX XXXX XXXX ny XXXX I can not get into my Experian account to place a freeze or change or fix incorrect information thats hurting my credit score I have filed with the other 2 credit bureaus they have removed few things

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 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I applied for schooling for XXXX University in XXXX, and the person that helped me stated i should get a student load to pay off the rest of the schooling. in the process of trying to go to school, i had to withdraw due to health medical reasons in XXXX leading up to the end of XXXX, in XX/XX/XXXX - now i have been unable to work because i have been XXXX, and the man i spoke to associated with the loans never even helped me or get consent to get these loans. even when i withdrawn if i took out anything i would have been reimbursed for the money unused, and this wasnt the case, the school or the man that assisted me at my time when i had medical issues happening, i think they pocketed the money from the loans because i never received any books, or classes for the money that was borrowed under my name. i have been XXXX since XX/XX/XXXX and have been unable to do anything

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 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX I retrieved a copy of my credit report and discovered multiple inquiries that I have no knowledge off. I had called equifax to file a dispute for unauthorized inquires on my credit report. Equifax told me that they're factual and they will remain for 2 years. I told equifax I didn't apply and then I asked can you please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX I refinanced my PHH loan I had for less than a year to get away from them, because of their horrible customer service. During the refinance process PHH gave incorrect payoff information to the Title Insurance Company, they did not include my last XXXX XXXX XXXX payment, so the Principal balance, interest etc. was higher than actual. I figured they would correct it with their PIF check refund to me. However, they didn't. Right now they owe me over {$2000.00}, but they are not willing to acknowledge their mistake. I sent couple of emails to get the issue resolved and their escalation officer called me on the phone, but he spoke poor English and couldn't follow my explanation. 
Their Response Letter to me, dated XX/XX/XXXX, gives a breakdown of the payoff funds, but it is mathematically incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The companies are claiming the disputes are not being disputed by me XXXX XXXX and they 'believe ' the disputes are being submitted by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KLS Financial Services, Inc
State: AL

Complaint narrative:
I paid an outstanding debt XXXX XXXX, XXXX. After several disputes XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX the collection agency KLS refuses to remove the collection. The original debtor even reached out to them on XX/XX/XXXX to inform them that the debt was in fact paid in full. However, instead of this agency deleting the item they instead send me a letter dated XX/XX/XXXX with an invoice from XXXX NOT the receipt of payment that I and the original owner of the debt sent over to them! This unlawful attempt to collect a debt that has been paid is absurd! Even after talking to the staff they have been rude, abrasive, and inaccurate. I want to take legal action against their unethical practices and reporting of inaccurate data.

Company response to consumer: Closed with explanation