vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. These accounts are not mine and my identity may have been stolen which I have included with this letter. I have listed the accounts below. Its identity theft for sure and I do not recognize these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit 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 2021-01-22 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. These accounts are not mine and my identity may have been stolen which I have included with this letter. I have listed the accounts below. Its identity theft for sure and I do not recognize these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp
State: MO

Complaint narrative:
The company promised to not report the debt to the credit bureaus if I paid it. I paid the debt XXXX years ago and they DID report it to the bureaus. I want it removed immediately! It is causing me issues obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX of Mr Cooper I logged on to make my mortgage payment and my account reflected that my house payment increased to {$1700.00} due XX/XX/XXXX. My mortgage payments were {$1000.00} so it increased by {$610.00}. I immediately contacted Mr Cooper and was told that due to an escrow shortage in the amount of {$6200.00} caused by previous loan servicer XXXX XXXX XXXX XXXX not charging enough money for my insurance this shortage has now " caught up '' with my mortgage. I do not understand this shortage as the loan was transferred from XXXX XXXX to NationStar Mortgage XXXX XXXX Mr Cooper XXXX on XX/XX/XXXX and response from XXXX XXXX is that my loan was in good standing on the date of the transfer with {$1100.00} in my escrow account. I am now struggling to pay these mortgage payments and request full disclosure on what Mr Cooper says is the cause as insurance was not due at the time this loan was transferred and insurance would have been the responsibility of Mr Cooper. I've not been notified that I had an escrow shortage nor that my payments would go up as I only discovered this when I logged online to make my monthly payment. I have inquired via email several times to Mr Cooper and have not received a written response to this issue as I only have notes I took during my phone conversation on XX/XX/XXXX as to the reason for this increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reporting me late on XX/XX/20, XX/XX/20, XX/XX/20. Due to the unforeseen events surround the Covid 19 pandemic I was severely financially impacted. My employer made the decision to cut my hours and it affected my pay. I have had an account with you for a very long and ask that you remove these lates. Under the federal mandate and CARE act you are not allowed to file late notations on credit during this pandemic. You keep verifying these but you are in violation. These needs to be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I reported this problem to the company on XX/XX/XXXX and again in this email on XX/XX/XXXX : Hello, I had a very troubling conversation with one of your employees that I have outlined below. He was trying to steal thousands of dollars from me and my wife. I assume that you can review the recording. What are your thoughts? 
Thank you -- -- -- -- -- Forwarded message -- -- -- -- - Date : Thu, XX/XX/XXXX at XXXX XXXX  Subject : Re : Caliber Home Loans Refinance To : XXXX XXXX XXXX  Ms., Thanks for your email. I believe the conversation that I had with your associate and the information I received may fall under the umbrella of predatory lending. At very least it is definitely unscrupulous and immoral. I suppose I should turn this over to the Attorney General or some other governing body to see what they think. 

Your representative quoted me 3.25 %, which is the going rate, plus {$1500.00} in closing costs, also about the going rate. He also wanted to sneak in an astonishing 3.5 discount points, hoping perhaps that I would not notice or understand. He assured me it was fine because it could come out of the equity and not cash I had to bring to the closing. I asked him for the resulting APR and he said he could not provide it. He went on to say he could potentially do better on the points but it would not be reflected in the paperwork. He tried to sell me a loan at an unbelievably high price that would have been far worse for me than what I already have. He was evasive and dishonest. 

My local bank confirmed a refi should be at 3.25 % with closing costs between $ XXXX {$2000.00} with 0 points. 

I could not be more disappointed in Caliber Home Loans. 

Is there a governing body or supervisor that you can please refer me to? 



On XX/XX/XXXX the company responded : The Customer Resolution Department at Caliber Home Loans , Inc. ( Caliber ) received your recent inquiry regarding a loan application in which you feel may fall under the umbrella of predatory lending. Caliber is dedicated to ensuring that our customers have a positive experience throughout the loan process. 

On XXXX I replied : Thank you for your email. Have you completed your review and research? 

The company did not reply The company sent me follow up applications documents dated for XX/XX/XXXX. That might be the date that I first spoke to them about the refinance. The loan documents did include the 3.5 discount points that were proposed during the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX of this year I purchased a XXXX XXXX XXXX. The dealer approved me for the loan. There was conditions to obtain the loan, though. Ally Financial told the salesman that I would have to buy gap insurance and a extended warranty. I asked the dealer that I can get GAP insurance thru XXXX and was open to extended warranties. He told me that Ally Financial would be the best option for this because it would wrap everything into one company and that Ally would most likely to approve the loan once I had these added to the loan. I asked him why, he told me that the buyer from Ally said, since I had a filed BK in the past and since the car was a high end car to fix and the the car would be protected and my best interest to go with Ally for this. So, I did what what I was told to do. Covid 19 came along in XXXX. I made the first payment, then reduction of work at work closed our business down. Ally said I could take three months of extensions on the loan. On XX/XX/XXXX I was hit head on by a drunk driver and totaled and she had no insurance. After 1 month in the hospital and losing my job. I got right on the XXXX to pay the car off. XXXX paid out XXXX and then I had a refund from the extended warranty which XXXX posted on my account, I think Ally said it was XXXX and then I started the most lengthy process of retrieving several documents to file the GAP claim. After getting all the documents to Ally GAP claims division. Ally received XXXX. I got a call from a lady, she stated we dont cover the extensions in the gap claim and we hired a third party company to recover the documents for us. So Ally left me owing XXXX. So the cards were stacked against me from the start. I have no way of getting this paid.Also, I thought the money from the extended warranty was refunded back to me, this was also taken by Ally in their own GAP coverage explanations. I am borrowing monies now, from friends and family to pay this. I am also looking into filing a law suit for Deceptive trade practices because engages in this business practice-they have there own formula of choosing what they are going to pay and not pay. Due to ALLY XXXX serious mental anguish, and now have starting to take medication for XXXX and 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 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest credit systems has reported an alleged debt in the amount of {$50.00} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Southwest credit systems obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Southwest credit systems on XX/XX/2021 and I await a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am contacting you because I have found some information that is inaccurate on my credit report and I never had a XXXX account in the last six ( 6 ) years. This account does not belong to me. I request that you verify the information and remove any inaccurate information from my credit. 

Account owner : Individual Account Date reported : XX/XX/XXXX Account status : Unpaid Creditor Classification : Utilities Original Amount Owed : {$130.00} Original creditor : XXXX Date assigned : XX/XX/XXXX Agency : TRANSWORLD SYSTEMS INC Status date : XX/XX/XXXX Delinquency : Balance owed : {$130.00} Balance Date : XX/XX/XXXX Collection company that contacted about the debt : Agency contact information TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: CITIBANK, N.A.
State: FL

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

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/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 non-monetary relief
Consumer complaint received 2021-01-22 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: SYNCHRONY FINANCIAL
State: FL

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

On XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, SYNCB/GAP 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 non-monetary relief
Consumer complaint received 2021-01-22 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: SC

Complaint narrative:
I am setup on auto payment for my auto loan. I changed my bank account around months ago, there's been no issues with my payments going through. One of the recent auto payments, XXXX changed the bank account back to my old account, which is not open. They did not contact me until the loan was already reported late on my credit. 

This is the second time I've filed a compliant, the first time, they lied and blamed me. I've never missed a payment and I want that reflected on my credit report. This was the Bank 's error.

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 2021-01-22 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: SC

Complaint narrative:
I am setup on auto payment for my auto loan. I changed my bank account around months ago, there's been no issues with my payments going through. One of the recent auto payments, XXXX changed the bank account back to my old account, which is not open. They did not contact me until the loan was already reported late on my credit. 

This is the second time I've filed a compliant, the first time, they lied and blamed me. I've never missed a payment and I want that reflected on my credit report. This was the Bank 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: SC

Complaint narrative:
I am setup on auto payment for my auto loan. I changed my bank account around months ago, there's been no issues with my payments going through. One of the recent auto payments, XXXX changed the bank account back to my old account, which is not open. They did not contact me until the loan was already reported late on my credit. 

This is the second time I've filed a compliant, the first time, they lied and blamed me. I've never missed a payment and I want that reflected on my credit report. This was the Bank 's error.

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 2021-01-22 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:
I've been calling and calling these credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft.. Non of these accounts are related to any transaction done by myself. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below along with my driver license

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 2021-01-22 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:
I've been calling and calling these credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft.. Non of these accounts are related to any transaction done by myself. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below along with my driver license

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please delete these accounts asap. Thank you

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 2021-01-22 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please delete these accounts asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: MI

Complaint narrative:
Opened a case with CFPB in XXXX of XXXX. It was resolved on XX/XX/XXXX when XXXX XXXXXXXX XXXX XXXX- responded stating their apologizes and admitted the account was not ours and they would be having it removed from all credit reports immediately. It has now been almost 6 months and they are still reporting it as a collection in Equafax. We have tried disputing it with Equafax several times with no luck, using the letters provided to us by XXXX XXXX on the CFPB website. We want this account removed! It is stopping is from obtaining a mortgage during these hard times. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation