vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 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: MS

Complaint narrative:
I went to XXXX XXXX AR for less than 12 months XX/XX/XXXX to XX/XX/XXXX, to get XXXX  at the satellite location at XXXX XXXX XXXX. I attended XXXX College for a couple of years. Either way, per the financial office XXXX XXXX AR, Treasury Department, on XX/XX/XXXX, at XXXX XXXX, they said, it did not cost {$18000.00} to get XXXX XXXX. If there was a refund it should have been credited to the loan. XXXX has sent people to my home address. They sent mail to my neighbors house. They started garnish my check. I have asked to see cancelled checks to see who signed off on the checks. I did get some funding for XXXX College for an essay that I wrote. I did not use all of those funds that were allocated to me and I did not get a refund for any monies while at XXXX College, nor XXXX XXXX  AR. I want to see the cancelled checks for signatures of who signed for the checks and what bank account did they go to for deposit or to be cashed.

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 2020-12-07 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: MS

Complaint narrative:
I went to XXXX XXXX  AR for less than 12 months XX/XX/XXXX to XX/XX/XXXX, to get XXXX  at the satellite location at XXXX XXXX XXXX. I attended XXXX College for a couple of years. Either way, per the financial office XXXX XXXX AR, Treasury Department, on XX/XX/XXXX, at XXXX XXXX, they said, it did not cost {$18000.00} to get XXXX XXXX. If there was a refund it should have been credited to the loan. XXXX has sent people to my home address. They sent mail to my neighbors house. They started garnish my check. I have asked to see cancelled checks to see who signed off on the checks. I did get some funding for XXXX College for an essay that I wrote. I did not use all of those funds that were allocated to me and I did not get a refund for any monies while at XXXX College, nor XXXX XXXX AR. I want to see the cancelled checks for signatures of who signed for the checks and what bank account did they go to for deposit or to be cashed.

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 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I have worked very hard to pay my payments before they were due. I am now receiving letters saying my payments are behind, and its showing late fees. I have tried for two straight weeks to get ahold of a person. I have called several numbers and cant speak to a human. My payments are done through XXXX  XXXX XXXX bill pay, and I have record of each payment made to LOANCARE. During this pandemic its been very hard making ends meet, and keeping up on all my bills but I have done it and am very upset someone has made mistakes at LOANCARE with my money. 
I knew times would be tough so I took it upon myself to pay one month ahead on my mortgage, but I am getting letters I am two months behind. Again, I have been trying to contact someone but am unable to contact a human. 
The following payments were made from XXXX XXXX XXXX Via billpay. 
XXXX payment : XXXX {$1400.00} XXXX payments : XXXX {$750.00}. XXXX {$750.00}. 
XXXX payments : XXXX {$720.00}. & XXXX {$720.00}. 
XXXX payments : XXXX {$720.00}. & XXXX {$720.00}. 
XXXX payments : XXXX {$720.00} & XXXX {$720.00}. 
XX/XX/2021 payments : XXXX {$720.00} As you see Ive paid XXXX and above my regular monthly amount. 
I paid an extra payment in XXXX, which was a hardship but with the uncertain times I wanted to make sure I was ahead on my mortgage, but now I am going through this stress of them not applying my payments, and accessing late fees. This is crucial this gets corrected and all the late fees be removed. This is a hard, stressful time and Ive worked very hard to make sure I didnt fall behind and I feel very angry at Loancare for the terrible accounting and obsolete customer service. 


I feel its crucial for consumers to be able to contact real people when their money isnt being handled correctly.

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 2020-12-07 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: ECMC GROUP, INC.
State: MS

Complaint narrative:
I went to XXXX XX/XX/XXXX for less than 12 months XXXX XXXX to XX/XX/XXXX, to get Masters at the satellite location at XXXX XXXX XXXX. I attended XXXX XXXX for a couple of years. Either way, per the financial office XXXX XXXX XX/XX/XXXX, Treasury Department, on XXXX XXXX, XXXX, at XXXX XX/XX/XXXX, they said, it did not cost {$18000.00} to get XXXX XXXX. If there was a refund it should have been credited to the loan. ECMC has sent people to my home address. They sent mail to my neighbors house. They started garnish my check. I have asked to see cancelled checks to see who signed off on the checks. I did get some funding for XXXX XXXX for an essay that I wrote. I did not use all of those funds that were allocated to me and I did not get a refund for any monies while at XXXX XXXX, nor XXXX XX/XX/XXXX. I want to see the cancelled checks for signatures of who signed for the checks and what bank account did they go to for deposit or to be cashed.

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 2020-12-07 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:
Please delete information off of my credit report that isnt mine. I have filed the identity report stating that these accounts are not mine and that my identity may have been stolen.I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2020-12-07 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:
Please delete information off of my credit report that isnt mine. I have filed the identity report stating that these accounts are not mine and that my identity may have been stolen.I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please delete information off of my credit report that isnt mine. I have filed the identity report stating that these accounts are not mine and that my identity may have been stolen.I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Around XX/XX/2020, after doing an XXXX XXXX XXXX pull. I noticed there were fraudulent accounts reporting on to my credit report. we have attempted to contact all parties. A few of these accounts were removed from XXXX and XXXX  however have not been removed from XXXX. the other accounts has been contacted multiple times by us to request information for these fraudulent accounts. we have filled out the required identity theft information, however they continue to report the fraudulent account to all 3 credit bureaus are accurate and refuse to give us information proofing this fact. Now they have stopped responding to our emails completely even after speaking with multiple supervisors. This is honestly beyond ridiculous and violates our rights under the FCRA laws.

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 2020-12-07 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: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.

On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
This is a fraudulent account, ending in XXXX and I am requesting for this account to be removed from my Chex System report. As this unauthorized account is hindering future banking relationships. I am a victim of identity theft and fraud and this account was reported when observe.See attached documents of my information being exposed in several data breaches and sold on the black web from XXXX to XXXX. This was also reported to the credit bureaus, a identity theft report was done via web and all credit bureaus have deleted the fraudulent information/accounts associated. I also have been affected due to the pandemic ( Covid-19 ) and wish to not have any added stress at this time.

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 2020-12-07 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: NV

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on/around XXXX XXXX, 2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX TransUnion and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. This will now be my third attempt to resolve my concerns ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: NV

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX XXXX and Equifax ) on/around XXXX XXXX, 2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX XXXX and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. This will now be my third attempt to resolve my concerns ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Contacted PPH/ XXXX XXXX several times to provided them with the payment information that they states they did not received PPH states that I'm more that five months behind in mortgage payments. When they provided me the mortgages payment that were missing I provided them a copy of the cancel check from the XXXX XXXX XXXX XXXX it provided documentation showing that the payment from XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 had cleared the bank and was posted to PPH account .I faxed then a copies of the return checks, and when I call to confirm I just get the runaround and they refused to provide credit for those payment that they stated were missing. PHHXXXX XXXX XXXX refuse to provide me a copy of my new escrow account when I made the request. PPH is not providing me with information regarding who holds the title to my home. 

I was approve forbearing, yet I have not been provided with any information regarding this process and how it work. When I contact the company I an mot given truthful information nor is any of my request being process. The company will not given information as to the name of the company is it PPH or XXXX XXXX. 

This company is very deceptive and does not take the XXXX American serious and we are being treated different form the non XXXX. I have tried to work with this company for months as of today I have not gotten any of my concerns addressed. The plan for the is comply would be to force its XXXX client into forecloses and take their homes. No, real information is available on line in your account, their is no way of gaining information on this account through the internet. Please assistant provide answers to my concerns that are not being addressed by the mortgage servicing company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Global Lending Services LLC
State: MO

Complaint narrative:
My wife and I bought a XXXX  XXXX XXXX from XXXX XXXX, back in XX/XX/XXXX. We were financed through Global Lending Services, and have been paying on it ever since. 

Then of XX/XX/XXXX, my wife & I ask for the payoff amount to pay the car off. The total came to {$5800.00}, so we had to make two payments to them. One for {$4900.00}, and one for {$800.00}, due to they could only take a payment up to {$5000.00}. 

We figured that it was done, and now owed the vehicle. That was until XX/XX/XXXX, when my wife & I were trying to buy a house, and found out they reported to all three credit bureaus that our account status was repossession/foreclosure. 

I call Global Lending up, and they said they wails correct their mistake, and once again .... I figured that was the end of it. 

Until I took my title to the DMV. They told me I needed a Lien Release Letter from them, to have them taken of as the lien holder. 

I call them today, to get that .... To find out they gave the lien to an auction company. 

This is now getting to become a problem. 

They are messing up my credit score with XXXX XXXX and XXXX, as well as giving some auction company property that I have in my possession, and have paid off as agreed to the contract. 

This has to be illegal, and my wife and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Accounts Retrievable System, Inc.
State: NJ

Complaint narrative:
The debt originated from a XXXX XXXX account in XX/XX/XXXX. A default judgment was entered without my knowledge in XX/XX/XXXXin XXXX XXXX, NY. I resided in XXXX county during this period. 
On XX/XX/XXXX another case was instituted in NJ Superior Court to collect a debt that the statutory collection has expired in NY. I didn't receive any notice for this proceeding. 
The agency and his representatives were aware of my address and didn't send any notice of the collection proceeding. Therefore, depriving me of the right to answer in my own defense. I also didn't receive any original documentation of the source of this debt. 
The account was charged off on XX/XX/XXXX as per the information that I received on XX/XX/XXXX. 
The fact that I have retired  from full-time employment and I don't have the means to pay back any debt and the statutory collection has lapsed in NY and the agency is now trying to collect without doing due diligence in the past. I am now requesting investigation and mediation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: NY

Complaint narrative:
I would like to inform you that on XXXX/XXXX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 48 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 48 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.

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 2020-12-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on 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 2020-12-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.

Company response to consumer: Closed with explanation