vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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: GA

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA 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 2020-11-10 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX WAY, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I asked for a forbearance on my mortgage with Amerihome loan company. During this time I worked diligently to work with Amerihome 's Loan Mitigation, Due to being released from military duty for an injury. I sent them all the information they required for a loan modification, bank statements, XXXX payments, letters of medical XXXX etc. I emailed them these documents around XXXX  /XXXX time frame. I waited to hear a response and during this time I received letters telling me how much I owed and items that were " supposedly missing '', even though I had the documentation to prove that I sent them everything they needed. I was then notified on XX/XX/XXXX that I was denied a modification due to missing documents and expired information. I called the company and received no help. I then had to restart the process and I faxed them the documents that was needed as well and emailed them the documents. I have now received letters telling me that I will have my credit reported on since I am behind on my mortgage. Amerihome seems to not know what they are doing and the underwriting does not inform collections about accounts that are being reviewed. please help. I am a veteran who has been told that all of this is my fault and I should have planned better.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV

Complaint narrative:
On XX/XX/XXXX at approx XXXX XXXX I received a voicemail from XXXX from phone # XXXX. She said she was calling on behalf of Rushmore Loans and asked to patch me through to a loan officer to discuss lowering my mortgage payment. I was transferred to XXXX who went over my options. My complaint is that XXXX was very aggressive in trying to get me to submit an application so he could run my credit. 

If Rushmore listens to the recording they will hear me say no less than 5 times that I have to speak to my husband first. He challenged me and wanted to know why I had to speak to him. I told him that we both have XXXX Fico scores and we don't just run our credit. XXXX insulted me by saying XXXX FICO  scores don't exist and continued to talk over me even after I told him that I was a retired banking professional and I spoke his language. 

I am REALLY concerned that the average consumer would just give into XXXX aggressive unprofessional behavior and submit an application when they really don't want to. As a retired banking professional I know that what XXXX is doing is not in the best interest of ANY consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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:
contacted Trans Union, XXXX and XXXX in regards to the validity and factual information regarding late pays on 2 specific credit cards, i was not notified or was i allowed access to the information gathered to validate the investigation. all 3 bureaus did not send accurate information regarding the investigation and what the process entailed.

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 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
CBE group has called me maybe 20 times in the last week about IRS debt collection for an old partnership that is inactive. I called the IRS to make sure there was nothing owed. They show it as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: AZ

Complaint narrative:
I received a {$100.00} rebate card for a purchase made in XX/XX/XXXX from XXXX. Card is issued by XXXX. The card has an expiration of XX/XX/XXXX. I called the bank on XXXX to get a new card issued, however they proceeded to tell me that the balance is forfeited because the card was not used. I don't think it is legal for them to do that - I read on the CFPB that gift cards are good for 5 years. 

I opened a claim to have the balance reinstated and a new card mailed out. The representative told me someone would get back to me within a day or two and that was 9 days ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10 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: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received a letter that Suntrust Is closing my account. One of my checking accounts closed due to a negative balance of {$180.00}. I called Suntrust recovery department & told them that I would be paying the {$180.00} on XX/XX/2020. But the letter states my account would be closed. I disputed two transactions on XX/XX/2020 I was ruled in favor of. But now my account is subject to closure. I understand why Suntrust wasn't able to refund me all the overdraft fees.

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 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
My mortgage company never updated my mortgage account They still put me in forbearance plan I never ask for it!! 
I been paying my monthly regular I keep trying to contact them about this matter!! 
But always system still updating your account. 
Been like that over 3 month This is not right!! 
They need to make my mortgage current!! 
To check everything online Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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:
contacted XXXX XXXX, Equifax and XXXX in regards to the validity and factual information regarding late pays on 2 specific credit cards, i was not notified or was i allowed access to the information gathered to validate the investigation. all 3 bureaus did not send accurate information regarding the investigation and what the process entailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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:
contacted XXXX XXXX, XX/XX/XXXX and Experian in regards to the validity and factual information regarding late pays on 2 specific credit cards, i was not notified or was i allowed access to the information gathered to validate the investigation. all 3 bureaus did not send accurate information regarding the investigation and what the process entailed.

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 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have a mortgage with PHH mortgage and they should pay the property taxes from the Escrow account, The taxes are due on XX/XX/XXXX and till today XX/XX/XXXX, they did not pay the taxes. 
I called them many times and their representatives ensured to me that they will pay the taxes on time, but they did not. 
I also faxed them a copy of the tax bill as received from the township on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I tried contacting Transunion to remove fraudulent inquiries that I did not authorize. The inquiries I tried to remove are listed below : XX/XX/XXXX XX/XX/2020 XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXXXX/XX/XXXXXX/XX/2020 XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXXXX/XX/XXXXXX/XX/2020XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XX/XX/XXXX XXXX XX/XX/2020

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 2020-11-10 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: CA

Complaint narrative:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report.XX/XX/XXXX XX/XX/XXXX # XXXX {$680.00} XX/XX/XXXX# XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$360.00} XX/XX/XXXXXXXX & XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$400.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$2100.00} XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$86.00} XXXX XXXX # XXXX {$170.00}

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 2020-11-10 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:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XX/XX/XXXX XX/XX/XXXX # XXXX {$680.00} XX/XX/XXXX# XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$360.00} XX/XX/XXXX XXXX & XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$400.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$2100.00} XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$86.00} XXXX XXXX # XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
To Whom it May Concern : This is a complaint against XXXX and their debt collecting agency Afni. 

On XX/XX/XXXX my family switched from XXXX to XXXX by going to the XXXX store in XXXX XXXX, CA. I got a new phone from XXXX as well. My family stayed 2 days on XXXX and realizing that this company doesn't work for us, we switched back to XX/XX/XXXX. I returned the phone and canceled my service. 
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX informing me that Afni on behalf of XXXX is collecting " my debt '' ( {$510.00} ) for the phone that supposedly I never returned. The letter also stated that in case I don't dispute it in 30 days from the date of the notice, it will negatively impact my credit. 

I called Afni and was instructed to email them the proof that the phone was returned. The only proof I had was a statement from my bank which showed a refund for XXXX equipment on XX/XX/XXXX. I emailed this proof on XX/XX/XXXX. I received no reply. On XX/XX/XXXX I called Afni and the representative told me that my email was not received. We double checked to make sure the email address was correct and it was. I resent the email with the bank account proof on XX/XX/XXXX. Still no reply. Today is XX/XX/XXXX - in two days thirty days from the initial date of the notice will expire and Afni will contact credit agency to lower my credit. 

So here is the question : In your practice, how many times do emails get lost? And if they do, don't you receive a notification that the email was not delivered? Afni doesn't want to believe that I returned the phone, treating me as a thief from the start. At the same time, they can't find 3 of my emails with my bank account proof demonstrating that the phone was returned. If things so easily get lost in XX/XX/XXXX/Afni world, could the same thing happen to the phone that I returned?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2020-11-10 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: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXXXXXX XXXX  XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XX/XX/2020. Spoke with XXXX XXXX XX/XX/XXXX. I called in to try and make a settlement with them. They denied settling with me and also let me know that there was a judgement agianst me that I was never informed of. They threatened to garnish my wages, threatened to garnish against my home and threatened to garnish my tax refund. These people do not even have my name correct and the claim is innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Keep getting multiple calls from debit collectors and I keep blocking the number after I realize what they are calling about. Mainly since I know you never share information over the phone with anyone mainly if they claim to be a person from a company that hasnt received payment.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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