vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Issues Related to XXXX XXXX XXXX XXXX  : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with XXXX XXXX XXXX. XXXX XXXX was notified of the bankruptcy on XX/XX/XXXX. At that time, XXXX ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with XXXX XXXX. I applied for mortgage assistance several times, and in the process, XXXX XXXX referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with XXXX, XXXX and Transunion. I found that XXXX XXXX reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called XXXX on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that XXXX was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first XXXX representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

XXXX has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the XXXX account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Issues Related to XXXX XXXX XXXX XXXX  : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with XXXX XXXX XXXX. XXXX XXXX was notified of the bankruptcy on XX/XX/XXXX. At that time, XXXX ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with XXXX XXXX. I applied for mortgage assistance several times, and in the process, XXXX XXXX referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with Equifax, XXXX  and XXXX. I found that XXXX XXXX reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called XXXX on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that XXXX was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first XXXX representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

XXXX has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the XXXX account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Issues Related to XXXX XXXX XXXX XXXX  : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with XXXX XXXX XXXX. XXXX XXXX was notified of the bankruptcy on XX/XX/XXXX. At that time, XXXX ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with XXXX XXXX. I applied for mortgage assistance several times, and in the process, XXXX XXXX referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with XXXX, Experian and XXXX. I found that XXXX XXXX reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called XXXX on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that XXXX was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first XXXX representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

XXXX has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the XXXX account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Santander Consumer has asked for specific documentation to support identity theft from another company that put me in financial hardship. I have faxed, mailed, and emailed trying to correct the problem. Santander Consumer is now threatening the repossession of vehicle. I have included email and also the document from credit union that shows the date from back in XX/XX/2019 when this started. I also mailed registered mail a certified cashier 's check in the pay off amount. To be done and not have to deal with company anymore. We have had to retain a lawyer to proceed against dealership for vehicle that has been in service over right times in under a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
There was damage reported on the XXXX  of the used vehicle I had decided to lease. I was told that the damage was only cosmetic and that the full bumper was replaced to fix that. However, when I left the lot, there was damage on each of the 4 rims of the car. It seems like there was much more damage and now I am afraid of what else may be wrong with the car. I want to return/unwind this lease but have no problem getting a different car instead. I offered a custom order option to get the car exactly how I want it but the dealership and XXXX, in particular, was very rude and not willing to help. He was angry that he had to wait an extra hour on a Saturday for the lease deal to be done. However, I drove almost three hours to this dealership since I thought they had better reviews for customer service but that clearly was not the case. 

The dealership offered to fix the damages but they would be putting an extra 300 miles on the car that will count against my mileage limit since it is a lease. 

All I am asking for is for them to please take the leased car back and I want to go ahead with the paperwork for a custom ordered car. I wish I was presented with that option prior instead of the dealership pushing to buy a car that they had in inventory or could get within the week from another dealership. Please reach out if you need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$78000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$78000.00} -This is not my account.

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 2019-12-03 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: CT

Complaint narrative:
On XX/XX/2019 XXXX XXXX  XXXX was on my credit report. I tried to contact them but was unsuccessful. I would like this account to be removed as I have no knowledge of this that is owed.

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 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I called XXXX to get internet service in XX/XX/2019, XXXX employee read the contract to me on the phone and asked for my consent, the contract she read included that if the service was cancelled within the first month then no charge will be applied based on that I gave her my consent to move forward with service order, the internet service speed didn't meet our expectations and we called their support multiple time to see if there is something that can be fixed but unfortunately we had to cancel the service two weeks after the order was placed and I went to XXXX office in XXXX, CA and returned the equipments and we switched back to our old service provider. 
Based on that I do not believe we should have any balance with XXXX but that was not the case they billed us for month of service which we refused to pay so they sent it to collection. 

This have caused a great harm to my credit report specially we are in the process of buying a house, The contract which XXXX employee read to me on the phone is the only contract which I consented to. 

Please help us resolve this issue and remove this unfair collection record

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Since LoanCare aka XXXX took over my mortgage from XXXX who went through bankcruptcy. I constanly got charged with late fee. Before XX/XX/XXXX my principal and interest was {$610.00} Escrow was {$170.00}. I have my bank send automatic payment of {$200.00} weekly, that was more than enough to cover the monthly bill, however XXXX still charged me {$30.00} late fee. 

XX/XX/19 I requested to drop the Escrow, I will pay Escrow by myself from that day forward, so starting XXXX I only required to pay {$610.00} however my bank continue to sent in {$200.00} a week and they still charged late fee, they receive minimum of {$800.00} a month for {$610.00} mortgage bill, I been paid XXXX this way for years and never have any problem. I have call them multiple time to request them to drop the late fee but they keep getting me run around. Early XXXX I inform XXXX represenative that I have requested my bank to send automatic payment to XXXX {$610.00} two time a month which is double the amount required. Yet they still charge me late fee for the month of 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 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
I had advised this company I was considering filing bankruptcy and to stop calling me, and they advised me they didnt have to until I provided an attorneys information. They also failed to read me the Mini Miranda- unacceptable under FCDPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Mr. Cooper took over servicing my mortgage in XX/XX/2019. In XX/XX/2019 there was an escrow analysis done increasing my payment by about {$93.00} per month. In XX/XX/2019 another escrow analysis was done increasing my payment by another roughly {$4.00} per month. When I questioned why the escrow analysis was done in XXXX when one was done in XXXX, I was told per Maryland law escrow analysis are done in XXXX. So I then questioned why one was done in XXXX. One XX/XX/2019, I was told my inquiry was sent to the Research Department and a response would be provided in 10 days. Well, it has been over a month and I still have not received an explanation as to why an escrow analysis was done in XXXX and again in XXXX. I need to know why escrow analysis is being done every 6 months instead of once a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: CT

Complaint narrative:
On XX/XX/2019 XXXX XXXX  XXXX was on my credit report. I tried to contact them but was unsuccessful. I would like this account to be removed as I have no knowledge of this that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: CT

Complaint narrative:
On XX/XX/2019 XXXX XXXX  XXXX was on my credit report. I tried to contact them but was unsuccessful. I would like this account to be removed as I have no knowledge of this that is owed.

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 2019-12-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On or before XX/XX/XXXX and XX/XX/XXXX respectively, I sent dispute letters to Experian, XXXX  and XXXX requesting verifiable proof ( an original Consumer Contract with my Signature on it ) in accordance to the Fair Credit Reporting Act, Section 609 ( a ( ( 1 ) ( A ). Information on my credit report does not belong to me and the credit agency did not remove the accounts from my credit report. The credit report agencies has not verified or removed questionable accounts on my credit report. This is causing me stress, high interest rates, and loss in employment opportunities. And opportunity to obtain a mortgage loan to move into a save community to raise my daughter. In XX/XX/XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. As well as Experian announced a data breach and I believe I am a victim. I am requesting XXXX XXXX  dollars for pain and suffering.

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 2019-12-03 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: TX

Complaint narrative:
Transunion will not accept ( via phone ) confirmation that XXXX did NOT issue a hard credit inquiry on XX/XX/19 Transunion hung up on us several times ( myself and XXXX, and insisted that we, instead, file a police report and mail in a request to remove the XXXX  hard inquiry Here is a review of the conversations : XXXX XXXX I contacted XXXX  XXXX. XXXX confirmed they did NOT do a hard credit check based on my social security #. 
XXXX XXXX  The XXXX  agent called Transunion " XXXX '' on XXXX at XXXX. XXXX hung up on XXXX, then told me that I needed to contact XXXX  ( again? ) and get a letter of deletion, after XXXX agent already told XXXX there was no record of activity with my social security #. 

XXXX XXXX XXXX called back to confirm it was resolved over the phone. When I told XXXX that Transunion had not resolved it, XXXX tried calling Transunion three more times. Each time, the Transunion rep would not accept resolution over the phone with XXXX and hung up on Tmobile/myself. 
XXXX XXXX  Transunion agent XXXX hung up on XXXX/myself XXXX XXXX   Transunion Agent named XXXX. We can not file the dispute via the phone, it has to be done online. XXXX needs to provide a Letter of Deletion. A hard hit from Police Report from XXXX. Then take a copy of the police report, and authorization letter coming from me with the hard inquiry and the dates. Reason : Remove hard hit coming from XXXX. Separate paper, first/last name/mailing address, last 4 of my social and my file #. Mail to : Transunion. Then they will review it and it may take up to 5 business days to file the request.

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 2019-12-03 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: CA

Complaint narrative:
I went to try to lease a car today XX/XX/19 and when they did the credit check I was told that I was not approved because there were some accounts reflecting badly on my credit report. None of those accounts belong to me. I suspect that they were opened by my aunt since she has the same name as me. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts. I did not make any payments or purchases with any of these accounts and I have never had any written/verbal contract with any of these companies. I have already gone to file a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
We have recently refinanced our home through eagle home mortgage. We used them when we first bought our home in XX/XX/2018 and our mortgage was transferred to a company called XXXX XXXX XXXX. Eagle home mortgage let us know that since it was tax season that our taxes would not get taken out of our escrow account but we would have to pay this up front which would require us to pay out of pocket over {$8000.00} but in doing so we would receive our total escrow balance which was around {$5500.00}. We made this very clear with eagle home mortgage since this was a lot of money we would have to pay out of pocket that we would need back. They reassured us that it would be fine and we would receive the {$5500.00}. We finally got the check from XXXX XXXX  XXXX today for a total of {$1200.00}. I have reached out to Eagle home mortgage today by email as well as XXXX XXXX XXXX and awaiting their reply.

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