vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$790.00} XXXX {$540.00} USDEPTEDXXXX {$22000.00} DEPREDXXXX {$22000.00} USDEPTEDXXXX {$8500.00} DEPTEDXXXXXXXX {$8500.00} XXXX {$1200.00} XXXX {$8500.00} XXXX {$0.00} XXXX {$20000.00} XXXX {$110000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: TX

Complaint narrative:
I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that 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 2020-06-11 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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed.

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 2020-06-11 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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed.

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 2020-06-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a few fraudulent items on my credit report in which I disputed with Experian. i sent them my police report as well. The items were verified as accurate. In response to my dispute results, I sent a certified letter to Experian on XX/XX/2020. Today XX/XX/XXXX, I called Experian and spoke with a representative who stated they do not do method of verification request. I explained to the rep I don't understand how these accounts were verified as me when they are clearly a result of identity theft and I have already proven that with the company. I also stated to the rep that according to the Fair Credit reporting Act I must provide a response within 15 days of your request, which is exactly what I did when i sent out the certified letter. In the fair credit reporting act 611 item ( 7 ) it  clearly States " description of investigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. So Experian is clearly violating the FCRA Act, by not providing me with the method that was to verify the 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 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OR

Complaint narrative:
I refinanced my two homes with Loan Depot in XX/XX/2020. Both loans were to have first payment due dates of XX/XX/2020. Two weeks ago I received billing statements with a first payment due date of XX/XX/2020, as expected, and a second statement with a due date of XX/XX/2020, which I didn't expect. I called and emailed my Lending Officer,  XXXX XXXX, and informed him and his boss XXXX XXXX of the statements I received. They responded that they were sorry, there had been a mistake as both first payment dates were supposed to be XX/XX/XXXX. They also said there was nothing they could do to correct the problem, I would either need to pay {$2200.00} now or {$1100.00} to delay the payment until XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11 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: MO

Complaint narrative:
Transunion should not be reporting a collection in the amount of {$5200.00} on the XXXX XXXX original creditor XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX. I have attempted numerous times to contact XXXX, as well as Transunion to verify this account. I have never been notified of any collection and was not aware there was a collection until I obtained a most recent copy of my credit report. In addition, the Social Security Number on this account is incorrect. I have attached a copy of my drivers license and SSN card for verification. I have also attached a copy of the Fraud Affidavit I filed against this account. I have contacted the bureau to have this line item removed from my credit report however, I have not been successful. This false reporting of a collection, that does not belong to me, is seriously harming my credit score and is hindering me from purchasing a new home. Please remove this item from my credit 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 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from 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 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can't link my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive attempted numerous times over the course of 9 months to have the account named XXXX XXXX XXXX which is affiliated with XXXX XXXX XXXX account # XXXX be removed due to numerous inaccuracies that still have not been address and ignored. I even made a complaint on XXXX  and received no response. 
However, I recently received a response to a dispute regarding this account that I made to all credit bureaus under FCRA 611 ( a )  regarding an erroneous item on my credit report. I was deeply frustrated to see that somehow you verified the item, electing to leave it on my report. 
I am certain that the item I have disputed is incorrect and should be removed. I am hereby executing my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigation arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees you spoke to as part of this investigation. 
I am asking for this verification because my credit score is very important to me and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this. 
I expect to see a response within 30 days from todays date or I will expect to see the item in question permanently expunged from my record. 

In addition, XXXX  received my last complaint on XX/XX/2020 and did not respond until XX/XX/2020. Due to the untimely response exceeding the 30 days allotted time, it is my right that the item be deleted for no response within 30 days. 
Furthermore, I NEVER received any correspondence for the item in question from the creditor therefore this item has no place on my credit 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 2020-06-11 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:
Ive attempted numerous times over the course of 9 months to have the account named XXXX XXXX XXXX which is affiliated with XXXX XXXX XXXX account # XXXX be removed due to numerous inaccuracies that still have not been address and ignored. I even made a complaint on XXXX and received no response. 
However, I recently received a response to a dispute regarding this account that I made to all credit bureaus under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was deeply frustrated to see that somehow you verified the item, electing to leave it on my report. 
I am certain that the item I have disputed is incorrect and should be removed. I am hereby executing my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigation arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees you spoke to as part of this investigation. 
I am asking for this verification because my credit score is very important to me and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this. 
I expect to see a response within 30 days from todays date or I will expect to see the item in question permanently expunged from my record. 

In addition, Equifax has been stalling to conduct a proper investigation. I will provide identity information in this complaint so that you may properly identify me as you say you could not in my previous complaint even after I have sent numerous correspondence over the last 9 months. 

Furthermore, I have NEVER received any correspondence from the creditor therefore this has no place on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: NC

Complaint narrative:
I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. 
XXXX {$2000.00}

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 2020-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: West Coast Servicing, Inc.
State: AZ

Complaint narrative:
I found out through the fraud investigator a XXXX XXXX that someone impersonating me called their customer service department and asked for a loan payoff on my first mortgage. When asked to verify that it was authentically me calling, they gave the last four digits of my SSN to the customer service representative at XXXX XXXX. The person impersonating me asked to have loan payoff faxed to them at XXXX. This fax incurred at {$15.00} charge on my account that I had to fight to take off as I never called XXXX XXXX for a payoff statement. 
This required me to freeze my credit reports and file a criminal complaint with XXXX XXXX XXXX for ID theft and fraud. 
The person impersonating me has been identified as West Coast Servicing out of XXXX XXXX, CA. They are a loan servicing company that was hired by the noteholder on the second loan on my house. 
They wanted this information to use against me for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
In XXXX I worked with Mr. Cooper to re-cast my mortgage. I wanted to pay down my mortgage to make it more affordable on monthly basis. I wanted to reduce the principle by {$100000.00}. My new payment amount was to be effective XX/XX/XXXX. I received a document to sign on XX/XX/2020. It said to make my regularly monthly payments of XXXX and XXXX on time and to send in the {$100000.00} dollars. I did EXACTLY what the agreement said to do. On their end, they made a mistake. They send me completely different set of numbers on XX/XX/XXXX, without any explanation, other than accusing me that I made a mistake by not sending in my monthly payments for XXXX and XXXX as a lump sum. I sent them at least 10 communications, showing the original letter, documents, pay statements and they will not resolve. I've asked them to update the portal so I can pay on time, update to the correct amounts and they will not get back to me. I would legal help as soon as possible. I have suffered an EXTREME amount of stress and worry over this issue caused by Mr. cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XX/XX/2020, I submitted a claim ( # XXXX ) with USAA Federal Savings Bank because there had been fraudulent activity on my account. I submitted the claim because money was transferred from my account via XXXX for a total of {$990.00}. The person who stolen the funds, I have no relation nor have I made any purchase of any kind. The person is named XXXX XXXX, phone number XXXX. To access XXXX for any transfer, I process the system through the USAA mobile app and I receive an notification to my personal email immediately following any transaction. Well, for this transaction I did not receive any notification or did not make the transaction. The individual is not listed in my recipient either. The individual hacked into my USAA and XXXX themselves {$990.00}. The individual had made this transaction on XX/XX/2020, again, I did not receive the notification to my personal email and I did not noticed until XX/XX/XXXX, XXXXOnce I became aware I notified USAA immediately letting them know that was not me, following all the procedures to update/change security information and to submit the claim. The representative told me the documents will be mailed to me at my mailing address when the investigation was complete. I have been quarantined since XX/XX/2020 and was teleworking due to XXXX. On XX/XX/XXXX, I just so happen to look into MyDocuments on the USAA app, and there was a letter that I was suppose to receive by mail stating there were no findings. This letter also informed me to call the bank if I had any further questions. I called the number a total of 5-6 times, each time a new representative submitting in a " request '' for someone from the fraud department to contact me as well sending documents on what was investigated. I even called XXXX with an USAA representative on the phone to see if they can see it on their end. I was told by XXXX that they couldn't see the transaction and it was done through my banking app, which is USAA, so they are held accountable. It is now XX/XX/2020, and I have yet to receive a phone call or those documents. I have been a member for 10 years ( since I joined the XXXX ) and never have I been treated and ignored in this manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11 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: NJ

Complaint narrative:
I have continually followed up with the companies as well as the credit bureaus of trans union and XXXX  and they refuse to remove the information or provide any documentation to substantiate their position.

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 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have tried to dispute 3 charges for a cruise which was canceled by XXXX XXXX per my deposit agreement.1st USAA claimed that VISA was prohibiting them from completing the dispute and that I  needed to allow XXXX " reasonable '' time to process refunds.I allowed this time to pass. However, I did not receive my refund and requested USAA to reopen my original dispute. USAA is doing everything in their power to avoid assisting me with this matter! Asking me to wait for call backs which take over 24 hours and if you miss the call it takes another 24 hours .... I have submitted along list of documents to USAA to support my claim including a copy of my cruise contract, proof that it was canceled and copy of the documents that XXXX sent me confirming that I would get a refund in 45 days. At this point I feel as thought USAA is in direct volition of our deposit agreement as they they have only opened one of the 3 disputes for the smallest charge. continued refusal to assist with this matter will only continue finical harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
I am unemployed due to Covid-19. I contacted my Vanderbuilt mortgage and notified them that I would need a 6 month extension as specified in the CARES act. I was informed that that Vanderbuilt mortgage and finance will decide what options are available and that they are only giving a 2 month extension on mortgage loans. 1 month later I received a phone call stating that I could apply over the phone for the loan mod. I never received any papers in the mail and I never signed any loan mod agreement but I did receive a bill that was XXXX more than my actual mortgage payment for the month of XXXX. How can a finance company violate the federal act that was recently passed by Congress? Please advise.

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 2020-06-11 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: TX

Complaint narrative:
I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that 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