vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber is my mortgage company for my primary and only residence. Last year and this year, the mortgage company did not pay my property taxes ( although they are impounded into escrow per our contract ).

Last year, after discovering my property tax bill was in default, I contacted Caliber who eventually paid the default bill. Caliber responded by raising my monthly payment and forcing me to pay $ 500+ in late propert taxes. This year I discovered my property tax bill was once again in default. Despite me paying my mortgage on time, Caliber has not paid the taxes or responded to my many request. I am in great fear they ( Caliber ) may not pay the default tax bill or raise my mortgage once again despite the valuation and tax rate remaining the same and a fixed FHA loan. I can not afford for my mortgage to be raised again.

I believe Caliber is committing fraud. Please help my family and I.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29 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:
The following student loans were reported on my credit report.. 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 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 XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX..Based on my research, all government funded loans are not allowed to be reported , this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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 have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not.

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 2018-10-29 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:
The following student loans were reported on my credit report XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-29 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 have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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:
I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not.

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 2018-10-29 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 have disputed the late payments on XXXX/XXXX XXXX, XXXX/XXXX XXXX OF HI XXXX, XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-29 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 have disputed the late payments on XXXX/XXXX  XXXX, XXXX/XXXX XXXX OF HI XXXX, XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-29 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : 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 2018-10-29 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: ND

Complaint narrative:
Why is my score with yall 100 points less then the other credit bureaus

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 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
Fay Servicing LLC : 1. Has misapplied payments 2. Is unable to properly apply and track payments made bi-weekly 3. Is improperly charging me late fees.

4. Has improperly sent me late payment notices 5. The first time this happened, the VP of Account Management, Mr. XXXX XXXX was able to step through dates and payments to verify and acknowledge the above claims. 
6. He adjusted my accounts to resolve the issue XX/XX/2018. 
7. However, the problem persisted and XX/XX/2018 I was receiving late notices again. 
8. In XX/XX/2018 my account had been reported past due to Credit Bureaus. Despite my having never missed a payment. 
9. Again, after several phone calls, and walking the account manager through my payment history and filing a dispute with the Credit Bureaus. The issue was resolved.

10. However, the inaccurate statements persist, the late fees continue to be applied. And now, without my authorization, Payments I specifically designate for P & I and Escrow has been improperly applied to late fees, shorting the scheduled and proper P & I payments. 
11. Attached are Supporting documents and extended narrative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2018-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
I have requested that my mortage company MTB remove the pmi from my account since the loan was originally signed in XX/XX/XXXX. This would allow me to drop pmi if 80 % of the original value and loan in good standing. Currently my mortgage company quoted me this " Message Details To reply to this message, click Reply. To delete this message, click Delete. 
Send a Message| View Secure Messages Message DetailsDateXX/XX/XXXXFromXXXX - M & T Customer ServiceToXXXX XXXX XXXXSubjectRE : RE : Mortgage PaymentsMessageDear XXXX XXXX XXXX , Thank you for your inquiry. 

Please be advised, I have confirmed your loan does not yet qualify for early termination of Mortgage Insurance ( MI ). To qualify for early termination of the mortgage insurance, your loan must be at least five years of age with a Loan to Value ( LTV ) of 78 % and no payments more than 30 days late within the prior 12 months. Since the XX/XX/XXXX was more than 30 days past due, we are unable to accommodate the request to remove the mortgage insurance according to the Department of Housing and Urban Development 's ( HUD ) requirements. 

If you have any further questions or concerns, please feel free to contact our Customer Service Department at XXXX. 

Sincerely, XXXX XXXX Mortgage Customer Support Retail Loan Servicing '' My loan is already at 80 % and they are in violation of the fha line terms. My original loan amount is XXXX. I am currently at 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 2018-10-29 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: NC

Complaint narrative:
During XX/XX/XXXX a new account with XXXX was reported twice. I only have one new account with XXXX. This affected my credit score that decreased one point. Also, XXXX-XXXX   decreased my credit limit but I was not informed. This information maybe wrong with Experian.

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 2018-10-29 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: TX

Complaint narrative:
I have disputed the late payments on XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/2018, XXXX-XXXX decreased my line of credit from {$2900.00} to {$2500.00} without merit. Thus far, a letter of notice was not sent out to me. I attempted today to find out what happened. Operator name XXXX, agent XXXX had no idea why my line of credit was decreased. She also acknowledged that a letter had not been sent out to me notifying me of this change. I have always kept my account at a XXXX balance and paid faithfully on time. This line of credit decrease affected my credit score negatively. Also, there was no reason to decrease my line of credit. Also, no documentation as to WHY.

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 2018-10-29 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: TX

Complaint narrative:
I have disputed the late payments on XXXX XXXX   XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-29 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX, XXXX XXXXXXXX XXXX with different balances, and CHAPTER XXXX BANKRUPTCY : BANKRUPTCY DISHCARGED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: SC

Complaint narrative:
XXXX XXXX and Transunion continues to PARROT unverified inaccurate information on my CR. CFPB the attachments confirms these accounts are inaccurate and can not be verified. The reporting agencies identified are in violation of the FCRA. XXXX XXXX  Reports charge off but performs a unrequested fraud investigation. I DID NOT REQUEST A FRAUD INVESTIGATION ON ANY ACCOUNTS THROUGH XXXXXXXX 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 2018-10-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX  Equifax and XXXX  continues to PARROT unverified inaccurate information on my CR. CFPB the attachments confirms these accounts are inaccurate and can not be verified. The reporting agencies identified are in violation of the FCRA. XXXX XXXX Reports charge off but performs a unrequested fraud investigation. I DID NOT REQUEST A FRAUD INVESTIGATION ON ANY ACCOUNTS THROUGH XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX, XXXX XXXXXXXX XXXX with different balances, and CHAPTER XXXX BANKRUPTCY : BANKRUPTCY DISHCARGED

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 2018-10-29 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: CA

Complaint narrative:
have disputed the late payments on XXXX XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I would like to complain about the numerous phone calls from different numbers, at all times of the day. Including nonstop emails. In addition, I am even disputing the amount that they are saying I owe. I feel that I was taken advantage of, I signed my loan back in XXXX. I NEVER even completed the quarter. The college was FOR-PROFIT. Now my credit score is suffering. 

These people are harassing me, and trying to make me pay a debt that is way more than the initial amount, and for classes I never even finished. This is abuse! 

As of XX/XX/XXXX, my credit score has been damaged by this loan company. 
As of XX/XX/XXXX, I have blocked all of the numbers they have contacted me from. 

As of XX/XX/XXXX, I am looking to pursue legal action to protect myself from further damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: CA

Complaint narrative:
have disputed the late payments on XXXX XXXX XXXX XXXX  account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-29 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: CA

Complaint narrative:
I have disputed the late payments on XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation