vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 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: CO

Complaint narrative:
I have an acct that is being recycled by collections agencies for XXXX. It has been sold 3 times in the past year alone. I have disputed the amounts several times. The credit bureaus remove it then allow it to be added back by another collection agency. XXXX XXXX, then XXXX XXXX  and now XXXX XXXX. XXXX XXXX NEVER ONCE contact me by mail or phone and advised me they are now attempting to collect a debt that is not owed. They all are continuously violating my consumer right and requesting acct for XXXX removed PERMANENTLY. There are inaccuracies with amounts and all have bypassed the allotted timeframes to collect. They have violated several federal and state laws. I have also written SEVERAL letters requesting unauthorized inquiries be removed from my credit and still has not been done by either of the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
My wife and I entered into an agreement to buy a home from DR Horton. They recommended we use DHI Mortgage company for the loan. My wife and I were both on the application and got pre approved for the mortgage. Since it is new construction it has taken some time for the home to be built. It is not ready. When the covid-19 pandemic hit my wife lost her job with XXXX and is currently not making any money. My credit score has taken a significant hit as well. I have reached out to  XXXX from DHI on numerous occasions through voice mail but she will not return my calls. The last email correspondence was on XX/XX/-20. Therefore I went to another mortgage company to inquire about the possibilities of going through them instead. I was told that my credit score is to low to qualify and was denied. I gave the realtor the denial letter to submit to DR Horton so that we could get the {$5000.00} binder returned since we don't qualify for the loan anymore. They in turn terminated the contract for the new home but refuse to release the binder to us claiming we breached the contract which is untrue. The truth is we no longer qualify. I called DHI yesterday and spok with XXXX who is the manager and XXXX 's boss. I requested either an approval letter from him or a denial letter. I have received neither. He was supposed to email me last night about starting the process but I heard nothing from him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
All my accounts with navient has been closed since XX/XX/2020 due to loan consolidation with XXXX XXXX i called navient and they was to update my credit report at the end of XXXX like the other loan servicers did and they failed to update credit reports correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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:
These are not my accounts, addresses and name. Additionally, I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CITIBANK, N.A.
State: NV

Complaint narrative:
MY XXXX  CREDIT REPORT SHOWS 3 hard inquiries from CBNA this company Has no information on me, they had me contact XXXX  XXXX  they have nothing on me they had me reach out to Citi bank and they have no information on me so XXXX  if reporting hard inquiries with no way possible to reach out to that company and XXXX  well not help and keeps saying the inquiries are correct according to the law 609 they  must furnish any and all information there holding on me and there have failed to do so XXXX  and who ever this cbna company is

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 2020-05-01 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I paid off my Citibank XXXX credit card on XX/XX/2020. I confirmed both online and with an agent that the balance was {$0.00}. I am currently in the process of applying for a home loan and we purposely waited until XX/XX/XXXX to ensure the {$0.00} balance was reflected. To my dismay, it was not. I called the customer service line and she confirmed my payment and escalated the report up to the bureau as of XX/XX/XXXX. I then called the customer service line on XX/XX/XXXX and it still was not updated. I put a disputed through both XXXX  and XXXX  and the dispute came back as " correct ''. I called on XX/XX/XXXX and the gentlemen passed me over to the escalations department. She then stated it would taken yet another 30 days to update. I understand XXXX sold to Citibank in XXXX ( or at least the account was turned over ) but their credit bureau reporting process is inaccurate and subsequently causing consumer harm. I imagine this is a much bigger problem for others. This lack of accuracy is a significant stress as I did my due diligence and they have failed me for over 60 days. I want my report updated ASAP. I have proof of payment and they do as well, yet my credit is still showing a balance of {$1.00}, XXXX and some change. This should not be an acceptable practice. I want my account to report not only accurately but timely.

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 2020-05-01 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: PA

Complaint narrative:
XXXX  XXXX XXXX was reporting my home mortgage payment late for several months. I contacted XXXX XXXX   XXXX in XX/XX/2019 regarding this issue. They wouldn't respond so I filed a dispute with all three credit bureaus and included bank statements to document all of my mortgage payments were paid on time. 

XXXX  XXXX XXXX has destroyed my credit score due to this error on their part. But what's more disturbing is the fact that none of the three credit bureaus even looked at the documentation I mailed them. They replied that they checked with XXXX and the reporting was correct. 

I've been fighting this for over 5 months with XXXX  and finally have received a Payment History Report from them that shows my payments were made on time.

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 2020-05-01 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: CO

Complaint narrative:
I have an acct that is being recycled by collections agencies for XXXX. It has been sold 3 times in the past year alone. I have disputed the amounts several times. The credit bureaus remove it then allow it to be added back by another collection agency. XXXX XXXX, then XXXX XXXX  and now XXXX XXXX. XXXX XXXX NEVER ONCE contact me by mail or phone and advised me they are now attempting to collect a debt that is not owed. They all are continuously violating my consumer right and requesting acct for XXXX removed PERMANENTLY. There are inaccuracies with amounts and all have bypassed the allotted timeframes to collect. They have violated several federal and state laws. I have also written SEVERAL letters requesting unauthorized inquiries be removed from my credit and still has not been done by either of the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: OH

Complaint narrative:
All my accounts with XXXX  has been closed since XX/XX/2020 due to loan consolidation with XXXX XXXX i called XXXX   and they was to update my credit report at the end of XXXX like the other loan servicers did and they failed to update credit reports correctly

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 2020-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
My vehicle is with XXXX XXXX XXXX  my payments have not been reported to any credit bureaus since XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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 have reviewed my Credit Report and seen a Number of Fraudulent Accounts and Inquiries. I have contacted the Creditors and they stated that they have No Evidence of my Credit with 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 2020-05-01 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 have reviewed my Credit Report and seen a Number of Fraudulent Accounts and Inquiries. I have contacted the Creditors and they stated that they have No Evidence of my Credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Eastpoint Recovery Group, Inc
State: TX

Complaint narrative:
The company calls themselves East Point XXXX XXXX XXXX XXXX, looks like out of XXXX NY. 
Tried to portray themselves as attorneys, when pressed for bar numbers they tried to back pedal and said they are a collection agency that represents XXXX XXXX. 
The amount they claimed I owe was not correct and did not have all the proper information. They claimed they served me with papers, which I am a process server and I know the laws with that ... when I informed them of that they recanted and stated they did not believe they had the correct information and I never received the paperwork, uh duh! I was never served nor have received anything from them in writing. 
The people I spoke to there ( 1 female name XXXX and 1 male named XXXX ) threatened me with a judgement and " other things I do not want to deal with. '' They called a family member and claimed to be something else and she is filing a complaint against them as well for their lies and behavior towards her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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:
These are not my accounts, addresses and name. Additionally, I did not authorize these companies to run my credit.

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 2020-05-01 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:
These are not my accounts, addresses and name. Additionally, I did not authorize these companies to run my credit.

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 2020-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
This company is a fraud. First, someone lied and placed my account in forbearance. Now, they have reported to the credit agency my account is in forbearance and has cause my credit score to drop 44 points. I have made payments on this account so I dont understand why this company keeps placing and reporting to the credit agency my loan is in forbearance.. This is my second complaint!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: NY

Complaint narrative:
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: NY

Complaint narrative:
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

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 2020-05-01 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: NY

Complaint narrative:
XXXX XXXX XXXX is hurting my Credit history since I had no transaction with this company. I don't know how they got my information, this account was closed with a balance over eleven thousand dollars. I am receiving bills and threatening letters from this company.

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 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Grant Mercantile Agency fraudulently attempts to collect on corporate debt. This debt is corporate debt and I am not legally liable. I have informed Grant Mercantile Agency representatives to no avail. Additionally, they are in violation of HIPAA. I request immediate removal from all credit reporting agencies and an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CO

Complaint narrative:
Someone hacked into my Discover credit card account on XX/XX/2019 and made a transfer of {$8400.00} to a XXXX Bank account XXXX in MN. Discover added a transfer fee of {$330.00} to bring the total to {$8700.00}. 
I reported the fraud to Discover Security in late XX/XX/2019. They called me saying that I had verbally approved the transfer so no fraud occurred. Not recalling me doing this I asked them to text me the recording of the call, but they refused, saying it was propriety information, needing a subpoena. 
I filed a fraud report to the Internet Fraud unit of the local XXXX XXXX department. The investigator contacted Discover Security who told the same story that I approved the transfer, so no fraud occurred, so no crime to investigate. 
I filed a complaint with the Internet Crime unit of the FBI in XXXX, and have never had a reply or response. 
Neither XXXX XXXX or Discover Security found out what XXXX Bank account holder received the transfer to get it back, or who hacked into my credit card account, nor did they try. 
Discover focused solely on blaming me ( without disclosing evidence ) and refused to credit the fraud amount to my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
The credit bureaus are reporting an Ally Financial - XXXX account and a recent 120+ day late on a charged off account for XX/XX/20 just showed up and the debt was paid already. This is erroneous

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 2020-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lon Inc.
State: TX

Complaint narrative:
Someone applied for a credit loan using my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 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: UT

Complaint narrative:
The credit bureaus are reporting an XXXX XXXX - XXXX account and a recent 120+ day late on a charged off account for XX/XX/20 just showed up and the debt was paid already. This is erroneous

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 2020-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a balloon mortgage that came due XX/XX/XXXX. I called XX/XX/XXXX to refinance. The agent I spoke to said it was too early to refinance call back in 2 or 3 months. I called back XX/XX/XXXX and they said I didn't qualify. I had to make a minimum of 6 or 7 calls, being put on hold, being transferred from department to department. The customer service agent said it was too late to refinance I should have started the process earlier. 
XX/XX/XXXX I received a letter stating they would no longer be taking payments from me. 
In late XXXX and XXXX, I called, and it to me 3 weeks to get through. I stated I owe one last payment of {$230.00} for XXXX and the representative said they didn't see that I owned anything but the balloon payment. 
XXXX I received an alert on my credit that I had late payments from PHH. 
I called and spoke to 3 representatives and they all said I own only the balloon payment. 
I spoke with Case Manager on XX/XX/XXXX and he said I own 3 XXXX dollar payments. I explained that I tried to pay but was told I didn't own XXXX payment. He insisted I did and that's why I was getting late reporting. I said I happy to pay. He said it would be XXXX extra to make a payment. I refused to pay an extra {$17.00} for a payment I have tried to make for 2 months. He said I could mail in a check for no charge when I asked him for the address he said : " PHH may reject it because it was late. '' My complaints 1 ) unable to contact PHH in timely manner hours on hold or just in a loop with no connection 2 ) Customer Service giving wrong information 3 ) PHH mailing letters that contradict Customer Service information 4 )  Unable to pay via PHH website, XXXX XXXX because phone lines are busy 5 ) Customer Servers charging & XXXX per payment 6 ) Not giving alternatives for payment methods 7 ) Insisting I must make my payments even though I received a letter stating they would no longer be taking my payments 8 ) lastly, the Case Manager I spoke with was condescending in his demeanor and contradicting PHH letter to stop payments. He said " you owe the XXXX payments '' and I agreed with him and I want to pay the money but adding XXXX per payment seems excessive and not being able to pay via the PHH website. 
I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation