vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: NY

Complaint narrative:
I am writing to dispute multiple fraudulent accounts on my report. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that these accounts be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted experience about removing everything off my credit theres even some thing with XXXX  XXXX XXXX and XXXX XXXX that have been paid off nothing has been resolved I need this taken care of as soon as possible

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 2020-09-14 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
A debt collection company has reported inaccurate information to XXXX  and XXXX  has not removed it. -- A couple of months ago, I noticed my credit score suddenly took a big drop and I investigated and discovered a company called Consumer Adjustment Company ( CAC ) had filed a collection on me saying I had opened an account with them in XXXX of XXXX, which I had not. I filed a dispute with XXXX  to remove the inaccurate information and XXXX just closed the dispute ( # XXXX ) without any changes being made to my file.

Since the inaccurate information is still on my file, I contacted CAC directly and the representative acknowledged that in fact I had NOT  opened an account with them in XXXX of XXXX but that they had purchased an old debt on me in XXXX of XXXX. The debt they purchased was opened in XXXX of XXXX and the last activity on it was in XXXX of XXXX. ( Allegedly, I had taken out a {$500.00} payday loan and made one payment on it in XXXX. ) I reminded the CAC representative that even IF that was my debt, it has been over 7 years from the last activity and it should not be reported on my credit reports. The representative said no, that the debt was started with  them in XXXX of XXXX. 
I called XXXX  and asked them to remove the inaccurate information but they said there was nothing they could do about it since CAC says it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
A lender, XXXX XXXX Loans, is attempting to get my credit bureau. They attempted the Trans Union report. Trans Union is stating that XXXX received my credit bureau and they put a inquiry on my report. Per XXXX, however, they did NOT receive my CB from Trans Union as they were told there is a security freeze, which there is not. Trans Union was XXXX help, just telling me that XXXX got my credit report, which they did 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 2020-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Called them telling them ( XXXX XXXX ) I cant make payments ( 3 payments behind ) because of unemployment not being able to get to me back ( also filled for there 3 months forgiveness act when it came  out ), on XX/XX/XXXX i made 1/3 payments ... because Im just  starting to get unemployment this first week of XXXX ... but I just came to find out that my credit score was infected by a lot but with this pandemic and the unemployment being unexpectedly long to arrive to me its not really fair since they new in advance I wouldnt be able to pay due to unemployment being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
After contacting Santander Consumer USA customer service portal via telephone on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to ascertain an agreement via the CSR concerning the {$450.00} ( at that time ) payment due on the vehicle and requesting a copy of the full contract initiated in 2016. I received a notice dated a week past, with the threat of repossession of my vehicle for a past due date of thirty days. This company has settled a {$550.00} mil predatory loan lawsuit with 34 other states, and now is applying threats and harassment to individuals not included in the settlement ( Texans ). I am requesting loan forgiveness and the car title to the vehicle purchased in XX/XX/XXXXwith a remaining balance ( principle ) of {$12.00}, 560.84, ( interest ) to date paid {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2020 and 15 other dates someone tried to obtain a credit card in my name. XXXX  was no help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I applied for an interest rate reduction refinance loan ( IRRRL ) when rates were at 3 %. The best the bank was able to give me based upon zip code was 4.6 %. I happen to own another house in a different state and location and the rate was quoted as low as 2.9 %. I feel one of my properties is being treated as a redline due to the outrages rates.

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 2020-09-14 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 am writing to dispute multiple fraudulent accounts on my report. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that these accounts be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: NY

Complaint narrative:
I am writing to dispute multiple fraudulent accounts on my report. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that these accounts be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

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 2020-09-14 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: NV

Complaint narrative:
There are mysterious creditors on my credit report that is reporting negatively. They are not mine. Please remove them.

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 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Mortage was switched from XXXX to Loancare in XXXX. We received paperwork stating such with instructions on how to set up an online account which didn't work so we continued to pay XXXX so we wouldn't miss a payment. This was the first issue. In XXXX our Taxes were due which is why we have an escrow account set up. Taxes were due in XXXX but not paid until XXXX. Once the taxes were paid, in XXXX we get a late payment notice about missing a payment and a ding on our credit report. But we had proof we paid the monthly payment. XXXX roles around the same thing. We tried contacting Loan care, kept leaving messages, and kept paying our mortgage payment monthly and they kept taking out the same amount from our bank every month. After five months of back and forth, with no answers except pay two payments and that  should take care of things they finally stated they had to refigure our monthly payment to cover escrow and that's what we were late on. Now that we are trying to purchase another house our credit, as far as getting another mortgage is concerned is ruined because it shows all these late payments. While we had continuously paid the same house payment every month the entire time. We want our credit history cleaned up!

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 2020-09-14 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: NY

Complaint narrative:
Every two months Experian drops my credit score by 25 point with absolutely no reason.

Since I expressed my objection numerous times, I have no choice but to look for help somewhere else.

Experian will not stop stop this practice on its own and refuses to provide any explanation of the situation.

After my written inquiry Experian always replies that it can't identify me and asks me to mail bunch of documents, which of course, would compromise the safety of my data. It will not provide me any answers anyway. After Experian drops my score by 25 points, I receive offers to increase my score by subscribing PAID service from Experian. This is extortion and should be considered criminal action. I am attaching the record of credit scores decreases as well as Experian offer to improve my score for cash. 

As per Experian website statement itself : 6 Reasons for credit score to drop Why Your Credit Scores May Have Dropped If you've noticed a drop in your credit scores, some common reasons might explain why : 1. You Have Late or Missed Payments- No, I didnt!

2. You Recently Applied for a Mortgage, Loan or New Credit Card- No, I didnt!

3. Your Credit Utilization Has Increased-No, it didnt!

4. One of Your Credit Limits Was Lowered-No, it wasnt. Only my  XXXX went down from XXXX, XXXX to XXXX limit, but it was already reflected on the report. Besides, your regular 25 points drops go way back past that time. 5. You Closed a Credit Card-No, I didnt 6. There Is Inaccurate Information on Your Credit Report-No, there is not. Unless you, Experian, input it there and I didnt catch it. So far I managed to correct all your misinformation. 7. You've Experienced a Major Event Such as a Foreclosure or Bankruptcy- No, I didnt.

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 2020-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I called New American Funding to inquire about home financing for an FHA loan, first-time homebuyer. I spoke with XXXX XXXX, NMLS # XXXX and XXXX pulled my credit while on the phone. I was very forthright about my needs and purchase timeframe for 1-3 months along with the challenges resulting in the need to pursue FHA financing. As a mortgage professional, I am well aware of what goes into a pre-approval and the credit requirements for financing in terms of minimum credit score, finance approval, etc. After XXXX pulled my credit, he indicated that he would send me a copy of the report to review along with a text with an access code to download the report, all of which I have in writing via e-mail. Since XXXX, I have followed up with XXXX on 2 separate occasions and sent income documentation for a preliminary approval and have received no response or acknowledgment to any follow-up inquiry, nor have I  received the access code to view the report XXXX indicated he would provide as a courtesy. The communication has been very unprofessional and I still do not know where I stand and my credit score has been further impacted by a hard inquiry from a company that does not care about the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: NV

Complaint narrative:
There are mysterious creditors on my credit report that is reporting negatively. They are not mine. Please remove them.

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 2020-09-14 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: NV

Complaint narrative:
There are mysterious creditors on my credit report that is reporting negatively. They are not mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: PA

Complaint narrative:
I am distressed about the information that has been reported to credit profile. They have failed to maintain the reasonable procedures in company operations to assure. The maximum accuracy in the credit reports. Because of identity fraud.

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 2020-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
I was charged a monthly fee after closing my merchant account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
I have no clue what this is but someone used my identity for something. Now Im being harassed for it. XXXX  is no help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I received a letter from the company that my loan had been paid off. I was to receive a refund for the unused portion of a service contract and extended warranty. I was told by the dealer that sold me the new vehicle that it would be four to six weeks to receive my refunds. It has been eight weeks since the payoff letter was received which was about two weeks after the loan was actually paid off. In other words it has been about ten weeks since the payoff was done. I have contacted the company at least three times by phone, once through the local dealer and twice directly to the home office financing department. I received one of the refunds about two weeks ago but was told at that time the other check was pending. The pending check is for approximately {$3000.00} and I am having to pay interest on that amount since a credit card was used to make the down payment on the loan. I want my refund to pay off the credit card to save interest.

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 2020-09-14 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9100.00}, {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking over my credit report & noticed some errors. I've misplaced my credit report since then and would like to receive another copy. I have attached my ID & SS card. My address is XXXX XXXX XXXX XXXX, Ohio 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 2020-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
There is a Rash Curtis and Associates account on my credit report that should not be there. Between XXXX and XXXX I disputed this account with the credit bureaus and with Rash Curtis and Associates directly. It was just discovered after a phone call on XX/XX/XXXX that the company is reporting this on my credit report with NO proper validation. Both the supervisor and the manager admitted to having no itemization with my name on it. The supervisor also admitted that they have no documents with my signature on it. Even further, there is no documentation showing there was insurance coverage from me. Despite all this, the operations manager declined to delete this account because of " California community property laws ''. That is simply an excuse to continue reporting a debt that is not valid. So not only has this company falsely verified this account with the credit bureaus, they have done so while also admitting they have nothing stating that I am responsible for this debt. Rash Curtis and Associates is engaging in illegal collection practices and causing great damage to my credit in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX and XX/XX/2020 this company used my credit information without my knowledge or consent. Transunion  did nothing

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