vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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: IL

Complaint narrative:
To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX not mine Additionally, Experian has systematically and maliciously changed items on my credit report to lower my score. 

XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number.  Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-07-17 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-07-17 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-07-17 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT EDXXXX, XXXX Company Inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Comenity/XXXX XXXX has placed some inaccuracies on my credit profile. They have placed a {$45.00} increase on my balance when I have not used the card in over a year and they have placed a recent late payment when I have not been late. I've spoke to 3 different reps and I've heard 3 different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: NY

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
Advance Financial 24/7 is a predatory lending company. My loan has a 360 % interest rate. In the beginning, your payments go towards the principal but after a few months, I noticed the balance never went down. I called to find out my payoff after I realized the balance hadnt gone down in about 5 months. I was told {$800.00}. I said I would call back in 2 weeks to pay it off and when I did, the amount changed to {$15000.00}. At the end, my original loan was XXXX. I ended up paying a total of {$4400.00}. This company is a scam. No one should be allowed to charge almost 4 times the original balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-07-17 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CENTERSTATE BANK CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I was purchasing a manufactured home in the XXXX XXXX XXXX XXXX located in XXXX XXXX, Florida. I applied for a mortgage loan with centerstate bank in XXXX XXXX. And was completely approved. They ask me to pay for a property appraisal which I did and obtain home insurance which I also did I payed the policy in full. the branch manager and loan officer wanted copies of paper stating that the insurance policy was paid in full which my insurance agent sent them confirmation on numerous times via email which the manager would not except. I lost hundreds of dollars trying to resolve this issue to no avail. I feel I was discriminated against because I am a XXXX senior or The home appraisal came back much higher than they expected or both. I see no reason why this transaction did not happen. They gave me no choice I had to back out or take a chance of losing my XXXX deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : 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

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 2020-07-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : 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

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 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
OnXX/XX/2020we refinanced our mortgage and paid in full the mortgage to Roundpoint Mortgage Servicing Corporation, XXXX XXXX XXXX, XXXX, NC XXXX. 

I am due an escrow refund in the amount of {$4400.00} and understand this was to be received by me within 20 business days ( or 30 calendar days? ). 

On XX/XX/2020 I logged on to my online account to review transaction history and the account indicated that my escrow was disbursed onXX/XX/2020 

On XX/XX/XXXX, I received a letter from Roundpoint indicating my mortgage was paid in full and a copy of the Mortgage Release Satisfaction Discharge was included. 

As ofXX/XX/2020 I had still not received my escrow refund. I called Roundpoint, spoke to rep in escrow dept. The rep told me my check was mailed on XX/XX/2020. I explained that if it was mailed on the XXXX as she indicated then I should have received my check by the XXXX. She told me to wait another day. 

XX/XX/XXXX - still no escrow refund check from RoundpoinXXXX. Called the escrow dept. again. I requested that a replacement check be sent to me via overnight with tracking. The rep refused and told me to wait another day. 

XX/XX/XXXX - Today, still no escrow refund check from Roundpoint. I believe Roundpoint is withholding escrow funds for longer than what is legal. I am asking for any assistance to help resolve this issue with Roundpoint Mortgage.

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 2020-07-17 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 have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credt and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCY DISMISSED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has fraudulently reported information to Chexsystems under account number XXXX. XXXX XXXX from XXXX XXXX knows there is a dispute in progress via a legal proceeding pending and he reported this to Chexsystems anyway. I am requesting that Chexsystems call XXXX XXXX at XXXX and ask him if there is a legal pending dispute regarding this account. When XXXX XXXX tells you yes, I am requesting Chexsystems remove this derogatory information from my file immediately. Sincerely XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX phone XXXX last four of social for  XXXX XXXX is XXXX and last four of social for XXXX XXXX is 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 2020-07-17 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: NY

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-07-17 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The Law Offices of Gerald E Moore & Associates, PC
State: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX. Contacted my employer on XX/XX/2020 stating I had a judgement for a debt I had never heard of before. I contacted them phone and email and asked them for any information on this " judgement '' as I had not been served and it was not reported on my credit report. They have continued to contact my employer and harass him over this issue. I have never received any information on this matter directly from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an issue with Capital One, whom I been banking with for over 12 years. I have never in my life ever been late on any payment with any bank. On XX/XX/XXXX I had called Capital One to be put into the COVID deferment program, as I did with all my other banks due to hardship in income. I trusted the agent or agents I spoke with regarding the COVID deferment program. I was supposed to be extended to not pay my XX/XX/XXXX or XX/XX/XXXX statement. I had spoken with several agents to verify this information. 

On the XX/XX/XXXXof every month is when my payment is due. On XX/XX/XXXX I called and spoke with an agent as she said my account was outstanding. I explained that I'm on the COVID deferment program and did not have to pay until XX/XX/XXXX. She then on her system extended and it will not affect my credit as I was on the COVID assistance deferment, it will reset my statement due date. So I do not pay XX/XX/XXXX statement and when I check my account in the first week of XX/XX/XXXX, I noticed I was charged another late fee! I putting my faith and trust into this agent and I see 2 late fees one for XX/XX/XXXX and one for XX/XX/XXXX, thinking I had COVID assistance program cover me for these 2 months. I check my credit report and Capital One reported this misinformation and ruined my credit by over 60 points negatively impacted! Not only this but this was also my business credit card, which impacted as well my business area! 

I spoke a supervisor, named XXXX with her employee ID : XXXX. She promised me with a solution and an investigation. Case Number -  XXXX. She waived one late fee of {$39.00}, but have yet to receive my other late fee waived for month of XX/XX/XXXX as well. I have yet to hear any resolution and I'm on the verge of receiving my business loan from SBA and this negative impact has caused me to be rejected as well! I'm very disappointed with Capital One, as a consumer putting my trust in this company with long standing positive and 100 % on time payments with this company and thus ruining my credit, not only personal but also my business credit and in these hard times ruining my chances to receive my SBA loan! I demand this to be corrected as this will ruin my relationship with Capital One for falsely negatively reporting my account when I was on the COVID assistance program putting my faith in this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17 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: TN

Complaint narrative:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

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 2020-07-17 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: TN

Complaint narrative:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

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