vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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: TX

Complaint narrative:
There is charge off account from XXXX XXXX that appears on my credit report. I do not know what this account is and I have called the company and requested a copy of the agreement/contract and nothing has been provided to me. 

I have attempted to dispute this with the credit bureau but they ultimately say the company provided documentation. I want to see what documentation is being provided so that I can understand what this account is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am demanding Chase bank to give me all transactions in XXXX that I made for {$1600.00}. I need the location, time, how made, merchant if any of all transactions for XXXX in XXXXIf there isn't any well that's ok but I need either one in writing. So what I should receive are transactions of XXXX on paper or email or a letter stating that there is no transaction for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX {$19000.00} XXXX   XXXX {$12000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$70.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NV

Complaint narrative:
The Professional Bureau of Collections of Maryland is abusive in their tactics of making sure I can never sign up for the debt forgiveness program. 

I believe they are blocking me from getting into the program currently available to rehablilitate my debt without having to make payments. This is a limited time program due to COVID and they are blocking me from being able to participate. 

I have completed all the documents according to what was requested, however, they refuse to submit these in good faith. They always come back and say I have to do something else or they lose my documents. 

This has been going on since XX/XX/2019. I call them every week and speak to different reps and managers and I am still not anywhere close to getting out of default. 

Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
There is charge off account from first Associates that appears on my credit report. I do not know what this account is and I have called the company and requested a copy of the agreement/contract and nothing has been provided to me. 

I have attempted to dispute this with the credit bureau but they ultimately say the company provided documentation. I want to see what documentation is being provided so that I can understand what this account is.

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 2020-08-27 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: PA

Complaint narrative:
i submitted an issue where an account was reporting more than once and they have yet to look into the matter and it was not fix. i also Included my ID and Social on the document. they have an account at is reporting 3 times with 3 different amount owed i know for a fact that a company can not collect on the same debt with the same account number but diffident amounts owed. and i have an account reporting that i never had that i think is fraud that need to be look into this is the 3rd time i have put in a request to get this looked at.

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 2020-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/XXXX ( XXXX ) we submitted an application with Discover Home Loans to request a Home Equity Loan. Our credit was pulled  and we met the first criteria. I spoke to their Personal banker on/around XX/XX/XXXX and discussed how much our home was worth to ensure we qualified for enough equity in our home. After discussing this with the banker, we went forward with the application and submitted all documentation online. 

On XX/XX/XXXX, an appraiser came to our home and took pictures of the outside of our home while my husband was standing outside. A week passed and I received word our home was valued {$220000.00}. Approximately {$30000.00} less than the same home up the street from ours which was on the market for {$240000.00}. I asked Discover how this was possible and they informed me it was a brick and mortar appraisal. However, this was not noted to me in the beginning of the conversation in speaking with the personal banker on XX/XX/XXXX. Discover updated our status within their system to requesting an internal appraisal ; however, the next day ( XX/XX/XXXX ) I received an email from Discover that our application was denied. 

I'm beyond confused on how this is possible and the ONLY thing I can understand or comprehend is that it had to do with our race. I am XXXX and handled all communication with Discover.  However, my husband who is XXXX XXXX  ( and standing outside with the appraiser ) was the one who greeted the appraiser. It seems just a bit odd that our credit score of over 740, good credit history, over {$70000.00} in equity, military income with 2 full-time employment salaries could receive a " no '' on the application and a low ball appraisal. 

I have reached out to Discover to file a complaint and have not heard back. In addition, I've reached out to our Attorney General and lastly would like to file a complaint with your office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: CA

Complaint narrative:
Called TransUnion, spoke with a dispute specialist regarding unauthorized inquiries on my credit report. She was unwilling to open a dispute & remove these items. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
They are reporting a score of XXXX to the lender XXXX XXXX This is not even close ... 
they want me to pay a fee to get my score. This is bogus ... if they are reporting it then when I ask for proof I am not paying! This is my lively hood. Every monitoring app I have shows my score to be bewteen XXXX so I want them to justify this!!! With the score attached with my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: CO

Complaint narrative:
My girlfriend and I both have a mortgage loan through XXXX XXXX. She filed bankruptcy last year and was discharged in XXXX of XXXX. I was not part of the bankruptcy at all and had no involvement. After the bankruptcy our mortgage company has stopped reporting for her on the mortgage payments which I understand ; however, they have also not reported positively on my credit which as affected me negatively ( I can not get approved for any other loans because my mortgage isnt reporting my on-time monthly payments ). All of the research I have done states that mortgage companies have to report for non-filing borrowers. 

Thanks.

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 2020-08-27 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN AND MY ID WAS ALSO STOLEN. I AM BEING FURTHER VICTIMIZED BY THIS BEING INACCURATELY REPORTED ON MY CREDIT PROFILE.

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 2020-08-27 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: V and H Portfolio
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN AND MY ID WAS ALSO STOLEN. I AM BEING FURTHER VICTIMIZED BY THIS BEING INACCURATELY REPORTED ON MY CREDIT PROFILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the  person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

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 2020-08-27 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: Nelnet, Inc.
State: PA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I do not owe any debts but started getting repeated phone calls from this company multiple times throughout the day from different numbers. No voicemails are ever left. 
The numbers are : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-27 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX {$19000.00} XXXX XXXX {$12000.00} XXXX  XXXX {$1000.00} XXXX XXXXXXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$70.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX {$110.00}

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 2020-08-27 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX {$19000.00} XXXX XXXX {$12000.00} XXXX  XXXX {$1000.00} XXXX XXXXXXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$70.00} XXXXXXXX XXXX   XXXX {$140.00} XXXX XXXX {$110.00}

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 2020-08-27 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.
State: GA

Complaint narrative:
Experian should not be reporting that I am ( 60-150 ) days late on the XXXX XXXXXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I filed for Bankruptcy in XX/XX/2020 and noticed that I was unable to access my loan information online specifically to make payments. I called and was told by the lender that I had to call and make my payments because of my bankruptcy status. Dovenmuehle has denied access to my mortgage information on their website. ( see attachment ) - I can not see any of my loan information, i.e. taxes, amortization schedule, fees etc. 

My bankruptcy was completed and discharged as of XX/XX/2020. I thought I would be able to have my online access returned after my discharge, however I was told I wouldn't be able to have this any longer for the term of my loan. When I called in XX/XX/2020 to inquire as to why I can not access my information online, I was told that I did not submit a re-afirmation agreement form during my bankruptcy. However, I was told by my lawyer that upon notification of my bankruptcy, the lender should have provided the this form. 

When called today, XX/XX/2020 - I was directed to the collection department. I was then told that I could submit a request in writing to the Research Department to see if there was any way to resolve this issue. I have sent an email and waiting for a response which they said would take up to 60 days.

Company response to consumer: Closed with explanation