vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 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:
A public record is reported Discharged CHXXXX XX/XX/2015 Reference XXXX I have contacted the credit bureaus directly. No one has provided an original signed contract, court documents, or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. Who reported the discrepancy. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency. What agency? The credit bureaus are the one 's reporting the information. Who then continues to report erroneous information?

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 2019-12-30 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: CA

Complaint narrative:
A public record is reported Discharged CHXXXX XX/XX/2015 Reference XXXX I have contacted the credit bureaus directly. No one has provided an original signed contract, court documents, or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. Who reported the discrepancy. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency. What agency? The credit bureaus are the one 's reporting the information. Who then continues to report erroneous information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
Sofi offered my husband and I a student loan refi the week of XX/XX/19 after all paperwork was completed at an APR that we verbally accepted, but it was not honored due to an employee error. We spent countless hours with them on the phone and they called us over and over again offering a much higher rate as the internal communication within the company is non existent. They wasted hours of our time over the holiday season. Sofi was completely disorganized, inefficient and cost us thousands of dollars due to their mistake. We are current customers and will be closing all accounts with this company as they do not treat consumers fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi! I sent in a dispute last month, as well as Ftc Report, Police Report, and a Identity Theft Report. Most was removed accept a XXXX XXXX Credit Card and a few inquiries. XXXX   removed the car loan from XXXX XXXX but said that the credit card from XXXX was verified. They sent no explanation how they verified the account. Based on the Fair Credit Act Law they are suppose to explain how they verify the account. However i did not open, nor did i give anyone authorization to use my credit. 

My identification was stolen from me a couple of years before, this is not the first this has happen to me. I seek help with removing these items from my credit report. I believe they did not do a proper investigation, if they had then the other XXXX account would have been deleted just like the other. Here is the account information that is listed on XXXX with XXXX XXXX XXXX XXXX Account number is XXXX Opened XXXX Balance XXXX Here is the 3 inquiries that are listed on TransUnion. XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT AND 2 ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has for years had a wrong address listed. I believe it is a typo that someone put in as it is a derivation of my correct address. The address does not even exist. I have submitted this error to them at least twice and they refuse to fix it. The XXXX address on the attached does not exist and obviously I have never lived there. It is the 2nd address listed. Also the 3rd address is no one. This is a condo complex so that address without an apartment number would be 12 people not me.

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 2019-12-30 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:
The following accounts are fraudulent : XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1400.00}

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 2019-12-30 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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 have a XXXX XXXX XXXX account for {$4600.00} reporting on my credit, that is not my account. XXXX XXXX 2019, I submitted ; FTC report, police report along with a personal statement from myself to Experian. I checked my Experian online account on XXXX XXXX, 2019 and I had received a confirmation from Experian that, they have received my documents to dispute XXXX XXXX XXXX. On XXXX XXXX, 2019 Experian removed XXXX XXXX XXXX from my credit file. Has of XXXX XXXX, 2019, XXXX XXXX XXXX has been resubmitted on my credit profile. On XX/XX/2019 at XXXX I talked to XXXX ( Team XXXX, Supervisor ) with Experian and I was told ; XXXX XXXX XXXX  never did provide them with any type of proof, but XXXX XXXX XXXX did say that the account was my account and Experian has no obligation to verify that the information being reported by XXXX XXXX XXXX  is accurate. XXXX refused to help me with this item reporting on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX and electronic transfer amount of {$950.00} from XXXX XXXX XXXX XXXX to XXXX through XXXX was not completed due to a connectivity issue. I have contacted XXXX XXXX XXXX XXXX daily in an attempt to resolve this issue but to date ( XX/XX/XXXX ) the money has not been returned to my account. I have incurred {$45.00} in late fees due to this failed transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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. I filed a police report back in XXXX. I have been going back and forth disputing A XXXX auto loan that does not belong to me and the bureaus took the account off on XX/XX/XXXX then reinserted the account. I need for the account to be removed immediately because it does not belong to me and is affecting my everyday life. XXXX XXXX is stating that I owe {$24000.00}. I have continued to dispute the accounts with Experian and XXXX  multiple times. Please remove these items 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 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
This amount was for bail and the person went back to jail so the bond should not have been called. There was not skipping of bail. The person the bond was written on did appear in court as per the agreement. Beyond that, it was not clear to me that I ever signed any of their paperwork as I live in another state and was not involved in the transaction. They claim to have my signature but I do not know how they would have gotten that. I tried to work with them but it is my feeling that bail bondsmen feel as they answer to no higher authority and could do whatever they please. The original amount of this debt was around $ XXXX and now they are adding interest at a completely undisclosed and unknown rate and date of inception and means of calculation. The whole thing is unnerving. No one ever has the same answer and no one knows what anyone else is doing there.

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 2019-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND OPENED A FRAUDULENT ACCOUNT AT MACY 'S. I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I BELIEVE I MA BEING DISCRIMINATED SINCE I AM AN XXXX   WOMAN, THATS WHY THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNT. 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 2019-12-30 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: GA

Complaint narrative:
XXXX XXXX response was that my forbearance was for XX/XX/XXXX until XX/XX/XXXX. I have never requested a 4 month forbearance. Go back and listen to the conversation and check my history. I have ALWAYS got and requested a year long forbearance. It makes absolutely no sense to give me a 4 month long forbearance. The new semester doesnt even start until XXXX of the following year. The customer representative made a mistake and XXXX needs to rectify it. It is unacceptable and make absolutely no sense to give anyone a 4 month long forbearance. That is predator tactics. After speaking with a supervisor months ago he told me that the Call was recorded and the the department would refer back to that one. He said that I went back into repayment because it was assumed that I was starting a repayment plan. Which is false. And I will get the recording if needed. The only thing I asked the CSR in XX/XX/XXXX was if I wanted to start repaying what were my options in which she told me shed email some options to look at into the future. I am at the point now where if needed, I will get a lawyer to request the audio history of the call. I went into repayment due to a CSR error and that phone call needs to be revisited by the XXXX Credit Bureau ASAP. I always have requested a year forbearance why would that suddenly change!? 




My Original Complaint : My XXXX account was reported missed and delinquent 90 days in XX/XX/XXXX. It was wrongly put into repayment when I specifically requested a forbearance in XX/XX/XXXX meaning XXXX wouldnt have been in repayment until XX/XX/XXXX. I sent two certified letters to the XXXX credit Bureau because they only accept letters. I sent one in XX/XX/XXXX and one XX/XX/XXXX. I was told via a customer service manager that the bureau has 30 days to respond. However they have yet to respond to either letter. My complaint is that this company are crooks. They destroy lives and credit. And their business practice is unethical. I have a incorrect credit report with no way of fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am receiving emails on my work email from a collection agency named TrueAccord, stating that they are collecting for another collection agency XXXX XXXX. The emails are from a XXXX XXXX and XXXX XXXX. They are aggressive and frequent I asked him to stop emailing my job but to no avail. They are in violation of the FDCPA. 
I don't know the account they are stating that I owe. I can lose my job over getting personal emails at work and it MUST STOP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX ACCT # XXXXXXXX is trying to collect on an unknown debt in the amount of {$1000.00} dated XX/XX/2015. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

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 2019-12-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Incorrect information showing on my credit report. XXXX XXXX  is showing 2 loans on my XXXX XXXX  {$29.00}, XXXX and {$30000.00} with same open dates of XX/XX/2015. I have request that document showing proof of either loan with signatures or picture ID and/or Promissory Note. After several phone calls Neither have been received Nor have these items been removed form my Equifax or XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: LA

Complaint narrative:
Incorrect information showing on my credit report. XXXX XXXX  is showing 2 loans on my XXXX  XXXX {$29.00}, XXXX and {$30000.00} with same open dates of XX/XX/2015. I have request that document showing proof of either loan with signatures or picture ID and/or Promissory Note. After several phone calls Neither have been received Nor have these items been removed form my XXXX  or Experian 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 2019-12-30 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: IN

Complaint narrative:
I am trying to resolve a problem with TransUnion regarding an " adverse '' credit report. I have tried to go thru the online dispute mechanism but it is cumbersome and when I get to the section to upload supporting files, it only allows the upload of image files - I can not even upload a XXXX document! I can not properly dispute the " adverse '' info without providing a XXXX document. I contacted TransUnion and requested to email the supporting documents. I was told that I would have to ( snail ) mail the supporting documents. I was unaware  civilization has regressed to the Stone Age? I have numerous supporting documents regarding my dispute. Surely a company in this day and age can accept emails with attachments? Why can TransUnion not accept emails? How can anyone properly dispute " adverse '' info using image files alone? A XXXX  document would seem to be a necessary prerequisite to explain the issue. If the company is so backwards it can not accept email, it has no business being responsible for the creditworthiness of millions of individuals.

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 2019-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
On XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX  years of age signed a mortgage servicing agreement with Quicken Loans ... ( and were given a deed to the property ) At the XXXX XXXX and XXXX XXXX in XXXX Oh ... Gave them a check for over XXXX be applied to closing cost ... In XXXX Dad passed away in XXXX ... From the beginning of the loan XXXX QL was charging us XXXX pr mon for taxes ... From the beginning of the FHA loan the taxes were not in alignment with the requirement of FHA ... XXXX XXXX still had his name on the deed as well and it was not transferred until XXXX of XXXX.We are not family to the XXXX ... which makes the sell null and void..because XXXX and XXXX XXXX had no knowledge of XXXX XXXX on the property regarding taxeXXXX until XXXX of XXXX ... When we became aware of the tax issue after the transfer of the property one and a half years later..we paid all the back taxes and we have document to to prove that ... On XXXX, XXXX XXXX all if this was reveal in Tax Document sent from the XXXX County OHio Treasures Office ... In XXXX we paid XXXX for an escrow shortage ... QL took all of the funds we placed in the tax account and then charged us for an escrow shortage ... The Mortgage according to FHA requirements were not in alignment with having someone else on the deed without our knowledge ... Therefore the contract is a fraud ... So QL took all of that..has been over charging us on a Fraudulent Mortgage ... Then when we paid 8 payments minus the taxes they kept all of that money and began an escrow account that would lead to us being in foreclosure in XXXX..They refused to discuss the tax issues with us ... I have letter we sent to prove that as well as hire an Attorney XXXX XXXX which they refuse to talk to ... No Wonder.. 
They never gave us credit for making the tax payments on a fraudulent mortgage..and have been deceiving FHA as well..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation