vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-28 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 want these items removed i sent a attached a police report XX/XX/XXXX for identity theft this inquires still remain its stopping me from obtaining employment the head of the household please remove inaccurate info Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical XXXX XXXX  Inquiry from XX/XX/XXXX + Utilities & Fuel

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 2020-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, The credit bureaus have been misreporting my accounts on credit reports. 

I have started to dispute the bad information in it and I demand that you send me a response within the next 30 days of the status of my disputes and that they also correct / erase all errors in 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 explanation
Consumer complaint received 2020-11-28 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: TX

Complaint narrative:
Hi, The credit bureaus have been misreporting my accounts on credit reports. 

I have started to dispute the bad information in it and I demand that you send me a response within the next 30 days of the status of my disputes and that they also correct / erase all errors in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Direct energy has placed a charge off on my consumer report. Years ago I disputed this item, they couldnt prove the validity of the debt it was then deleted from all three bureaus. Now another collection agency placed this account on my credit, I did not receive any information prior to this erroneous information being placed on my consumer report. I have never had an account with direct energy, I have asked in the past for them to send written proof and Im making a formal complaint against : Transworld Systems, XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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 want these items removed i sent a attached a police report XX/XX/XXXX for identity theft this inquires still remain its stopping me from obtaining employment the head of the household please remove inaccurate info Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel

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 2020-11-28 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 want these items removed i sent a attached a police report XX/XX/XXXX2020 for identity theft this inquires still remain its stopping me from obtaining employment the head of the household please remove inaccurate info Inquiry details XXXX XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank Merchant XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX Inquiry from XX/XX/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 2020-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
Many, many contacts with Morgan Stanley. Finally spoke with a XXXX XXXX from the servicer XXXX who admitted they made mistake in offering options during covid. Offered to send check for 4 months which was accepted. Now statement received for XXXX and they have added these payments to the balance which is now $ XXXX. I am afraid this was a rouse to XXXX us out of fees. Please help. Ms. XXXX barely responds to me. This company has acted in a vile manner. Can't imagine why they would offer to send a check and now place us in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
there are unauthorized inquires and other account problems as listed in attached XXXX  doc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
When I signed on with Speedy Cash, I was in the throes of my XXXX  to XXXX. I had trouble paying it off because I 7 other payday loans out there. I never received my loss suit papers because I was in jail for 145 days. Two weeks ago I got a garnishment order from my employer. I don't think this right for them to garnish {$250.00} out of every paycheck. Or is it? This loan was taken out in XXXX of 2018 and they never sent me one bill reminding me of my obligations to them. I need that money to live on because I am on a fixed income due XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My husband and I purchased our current home on XX/XX/XXXX. We used XXXX as our loan servicer. Our mortgage was sold to NewRez/Shellpoint in XXXX according to a letter we received from XXXX XXXX. Eleven months later, someone from NewRez/Shellpoint manually reversed my XX/XX/XXXX mortgage payment. In early XXXX, I received a phone call from a collector from Shellpoint asking when I will be making the XXXX payment. I explained to the collector that I had never missed a payment. After going back and forth with them for months, I was able to speak to a Shellpoint representative who stated that my XXXX payment was refunded to XXXX. She also stated XXXX had requested the refund. 

I recently received an email from XXXX stating they have never received any funds from NewRez/Shellpoint. Meanwhile, after several attempts to resolve this issue with the lender, they have reported us 30 days late from XXXX to XXXX of this year. This has impacted our credit scores as well as our ability to refinance this home. We would like to file a claim against NewRez/Shellpoint for the following reasons : Reporting us 30 days late for the past six months, when we were never 30 days late. 
Failure to notify my husband and me of their intent to report us late to the credit bureaus Failure to notify my husband and me that they were, allegedly, refunding the funds to XXXX. 
Failure to notify us of any intent to filling a claim to our mortgage insurance. 
Falsely stating that the funds were refunded to XXXX, the prior servicer. 
We also would like to know what they did with our XXXX payment since XXXX stated they never received any funds from NewRez/Shellpoing. 
I have attached all the supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
- I am current on my loan ( got a deferment but paid it back ). 
- My credit history is XXXX - Yet on XX/XX/XXXX2020 I lost my job due to Covid and therefore am asking the original bank : ALLY to lower rate ; to allow me lower payments ; as every other bank is offering. 
- Applied with FULL 84 pages of documents on XXXX/XXXX/2020. As of today XXXX 2020 I Still have NO REPLY. 
- Have called in over 15 times, as " the portal all the representatives tell you to use '' does not work. So I call in and get told we NEED one more piece of documentation - over 15 times. 
- They refuse to allow you to speak or even email the underwriters. Yet while I was applying for the Original mortgage had one dedicated rep I could communicate with. 
- On XX/XX/XXXX rep told me YES they had all the documents and I would have word within 30 days. Waited till XX/XX/XXXX and called in again. Again told to go to website. Told them it does not work. He then read to me the Underwriters notes : ' that all the documentation ' was TOO OLD, I would have to start all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCSPLUS INCORPORATED
State: NJ

Complaint narrative:
The company states I owe {$760.00} for medical services. I not only have no recollection of receiving services from them, but I had XXXX  at the time of said services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED

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 2020-11-28 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: NV

Complaint narrative:
I found a notice on my credit report from Experian Credit Reporting Agency of a debt of {$270.00} to XXXX XXXX for an account opened on XX/XX/2015. Because when I picked up the mail I remember that my previous roommate was always receiving mail from XXXX  XXXX/XXXX, and I made the deduction that this must be something that belonged to her. I submitted a notice of disagreement, explained to Experian what I thought could be the problem, and informed them that I have never had an account with this company. A few weeks later I received a notice from Experian that the debt had been checked into and the debt was mine. I then called Experian and I was told that the only one who could remove the charge was XXXX  XXXX. I then asked for a telephone number which I was given. I called the number given and received a recording that the number was no longer in service. I then started a computer check for the company, and after many calls, I finally reached someone in the fraud department of XXXX  online shopping. She informed me that there used to be a XXXX XXXX XXXX, but it had been acquired by another bank. I asked if she by chance had a phone number, which she did and I called the number. I explained to the female who answered the call and she asked me for

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 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian has totally XXXX up my accounts attach is a correct credit file from 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 2020-11-28 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: NJ

Complaint narrative:
This company is dodging their duties and telling me that they don't think I was the one sending my previous complaint. I have atatched a selfie of myself holding my ID to verify that it is me. Please verify everything so I can finally start to remove these negative items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A few weeks ago I received a promotional offer that I was Pre-approved for a Capital One Quicksilver Credit Card. I went online, applied for the credit card, got approved, and received the credit cards. 

Less than a week after I received my physical cards, my accounts were closed. The false promotional advertising by Capital One ( even receiving my card ) has led to my credit score decreasing because of an inquiry which will take 18 Months to recover from. 

I called Capital One on XX/XX/2020 about it only to be fumbled around different departments with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: MI

Complaint narrative:
I received a US Bank reliacard in the mail today. I am not unemployed and I did not request the card. Im unable to get a hold of anyone to cancel it and to figure out why it was opened in my name in the first place. I appreciate your help! Im concerned that someone opened an account in my name fraudulently.

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 2020-11-28 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: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint for violation of the Fair Credit Reporting Act, 15 USC section 1681. On or about XXXX XX/XX/XXXX ] I obtain three consumer credit reports from the three ( 3 ) major credit bureaus XXXX, XXXX  and XXXX. At this time I notice and found an inquiry by [ Consumer Portfolio ] to obtain my consumer credit on XX/XX/XXXX. 
I have never had any business dealing with [ Consumer Portfolio ], nor have I applied for any credit or services, or employment as defined in 15 USC section 1681 ( b ), neither have I executed any contracts resulting in an account in favor of the [ Consumer Portfolio ]. 
On XXXX XX/XX/XXXX XXXX, [ Consumer Portfolio ] obtained my consumer credit with no " permissible purpose '' and appears to be a violation of 15 USC section 1681 ( b ). I am filing this compliant with the Consumer Financial Protection Bureau, XXXX XXXX XXXX and Attorney General notifying [ Consumer Portfolio ] of their violation in an attempt to mitigate future damages and obtain settlement from [ Consumer Portfolio ] prior to filing any legal action. At no time did I give the [ Consumer Portfolio ] permission to obtain my consumer credit report from any credit reporting agency. The actions of the [ Consumer Portfolio ] in obtaining my consumer credit report with no permissible purpose or my consent was a willful violation of 15 USC section 1681 ( b ), and egregious violation of my right to privacy.

[ Consumer Portfolio ] had a duty to properly as [ Consumer Portfolio ] had a right to collect, resulting in [ Consumer Portfolio ] obtaining my consumer report. Therefore I may be entitled to damages by operation of law. 
I demand Consumer Portfolio remove the inquiry from Consumer Portfolio my consumer credit report. 

certain if there was in fact any legitimate permissible purpose for obtaining my consumer credit report. [ Consumer Portfolio ] however breach said duty by failing to do so. There was no account that Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: GA

Complaint narrative:
Experian is not doing its job as a credit reporting bureau. It is allowing XXXX XXXX, subsidiary of XXXX XXXX to continue to report inaccurate and even unlawful material on my credit report. XXXX XXXX has unlawfully kept negative reporting on my credit report pass the time limit specified in the Fair Credit Reporting Act ( FCRA ). Adding insult to injury, XXXX XXXX  has recorded a late payment in 2020 although there has been no activity on that account in years. I have disputed this information with Experian, and have demonstrated from Experian 's own records that XXXX XXXX  is inaccurately and unlawfully keeping negative credit information on my credit report, yet Experian has not removed the negative financial information. I want Experian to remove this account completely from my credit report because it is too old to still be on my report. All negative reporting should be deleted. And by no means should this account have any reporting on it from 2020. Such reporting is not only false, it is in violation of the Fair Credit Reporting Act ( FCRA ). If Experian continues to allow XXXX XXXX  or any other company to continue year after year to keep negative information on one 's credit report, then Experian is rendering the FCRA meaningless as negative information would never be removed from consumers ' credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights  and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people. Please I want to get this solved asap.

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 2020-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Hospitalized in XX/XX/2018 twice. Copays came to XXXX. Paid debt off 2 weeks ago directly to hospital. 

Debt Collector CMRE claims amount is still owed - {$190.00}. 

CMRE FINANCIAL SERVICES , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
The balance listed as a charge off/write off has been increasing its balance each month. This account was charged off in XXXX of 2020. Based off this charge off the balance should not be increasing at all. However the balance is increasing every month.

Company response to consumer: Closed with explanation