vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/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 2020-05-20 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: MN

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/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 2020-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has been going back and forth with me for some time as they were trying to charge forced placed insurance claiming that I did not have it. I provided proof that I did have insurance. It has been several years or going back and forth with them and now they have placed me in collections as a result. This is affecting my ability to refinance or to get a reverse mortgage.

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 2020-05-20 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: GA

Complaint narrative:
XXXX XXXX, TransUnion and XXXX XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with Transunion, XXXX and XXXX to have the late payments removed. I have disputed with Transunion, XXXX and XXXX and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.

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 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had purchased a XXXX XXXX XXXX XXXX in XXXX. I had been paying on this vehicle for approximately 5 years XXXX amount of the vehicle never changed. In fact the price of the vehicle continue going up. I contacted the creditor which was Santander about this on several occasions. They stated that the outstanding balance on the account was correct. Every time I paid something towards the monthly payment the outstanding balance of the loan continue to go up. I contacted the company in XX/XX/XXXX requesting that they pick the vehicle up and listed as a voluntary return. As this vehicle would never have the balance paid off. Then I sent a certified return receipt letter as backup of what I wanted. I've been was contacted via mail from the Creditor stating that the vehicle had been sold and there was a large outstanding balance owed. Once I received the letter the letter still had the amount of {$16000.00} owed. This is the amount that was left on the balance prior to me returning the vehicle. As of today Santander is still reporting to the credit beaureu each month for a vehicle I do not have. They have added very large amount of charges on to the vehicle and place this on my credit report as a repossession. This makes my credit report look very bad and I'm very unhappy about it. I contacted them several times after to explain to them that I contacted them to pick up the vehicle. They stated that it does not matter if I did send them a certified return receipt letter that's non and void. They stated that they do not take certified return receipt letters as a source of picking up the vehicle. I explained to them that I called and I sent the letter. This is not fair what they're doing to me I want this removed from my credit report please. If someone can look into this for me and let me know what I need to do. I have spoken to two other people who have loans with their company who are going through the same issues. They must be stopped. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I tried to refinance a property that I purchased in XXXX of 2019 for XXXX with Loan Depot. The appraisal that was ordered was incorrect, it was not ordered for a rental property and was instead ordered as a primary residence. They also performed a drive by  refinance rather than going into the home. 

The appraisal came in at XXXX, and when I raised concern about them not going in to see the improvements that we've made to the house and that the incorrect mortgage type was ordered, also that it seems unlikely that the real estate market dropped 10 % is a year was unlikely ... they would not reorder a new appraisal or refund me for the incorrect one that was ordered. 

The customer service that I experienced during the process was atrocious, calls and emails that went unanswered. 

I called the manger but we refused to refund the appraisal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have the checking account with Bank Of America. One of the merchant- XXXX charged me in the amount of {$88.00} after I stopped the servic. Therefore, it was unauthorized transaction. I opend the dispute with bank of america. However, Bank of America has got worst customer service that they did not even help me and pull their hands up. This was ridiculus that Bank does not even try to fight for their customer and customer loosing their money.

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 2020-05-20 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:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF 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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF 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 2020-05-20 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: FL

Complaint narrative:
I pulled my credit report because I'm looking to purchase a home and I noticed I have accounts reporting that does not belong to me. I tried to resolve this issue with the bureaus but I'm getting no where because they aren't governing the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CASHCALL, INC.
State: CA

Complaint narrative:
CASHCALL IS ATTEMPTING TO COLLECT ON THE NOTE LOAN THAT DOES NOT BELONG TO ME. IN MY NUMEROUST ATTEMPTS TO REQUEST DEBT VALIDATION OF THIS LOAN FROM 2013, RECEIVED WAS PAYMENT LEDGER THAT SHOWS DATE LOAN ISSUED AND SOME CREDIT BUT NO PROOF OF PAYMENT, NO ID, NO SS # ON THE CONTRACT, AND CONTRACT IS NOT SIGNED, DOESN'T HAVE MY SS # OR DOB OR ADDRESS. 
1-CONTRACT IS MISSING SIGNATURE 2- CONTRACT IS MISSING ORIGINATION METHOD AND WHO IS THE PERSON ORIGINATING THIS LOAN 3- CALIFORNIA STATUTORY LIMIT FOR INTEREST RATE IS 10 %. THIS IS A LOAN ORIGINATED IN CA, AT 183.06 % ISN'T THIS USURY?. 
CASHCALL RECEIVED A RESPONCE FROM ME DISPUTING THIS DEBT AND INSTEAD OF INVESTIGATING THIS MATTER THEY SOLD THIS ERRONEOUS FRAUDULENT COLLECTION TO CCI ACQUISITIONS , LLC WHO IS NOW THREATENING TO SUE ME AND GARNISH MY WAGES ... IST N'T THERE A STATUTORY TIME ALLOWED FOR THEM TO TAKE LEGAL ACTION THAT IS IF THIS ACCOUNT WAS VALID AND ACCURATE? .... 
THIS IS FRAUD ON INSTITUITIONAL LEVEL!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax, XXXX  and XXXX  XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with XXXX, Equifax and XXXX  to have the late payments removed. I have disputed with XXXX, XXXX  and Equifax and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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, XXXX, XXXX  and XXXX  XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with XXXX, XXXX  and Experian to have the late payments removed. I have disputed with XXXX, Experian and XXXX  and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.

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 2020-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had my wallet stolen on XX/XX/2020. The loss was reported to Capital One immediately the same day. There was a fraudulent charge of {$120.00} on one of my credit cards with Capital One. 

On XX/XX/XXXX I received a letter from Capital One that my dispute was denied. 

On XX/XX/XXXX I called the Capital One fraud department and spoke to a supervisor there named XXXX who advised me to send a letter and my police report by fax for a reconsideration. I faxed it that same day. I did not hear a response back for two months. 

I have resent the fax to XXXX XXXX in the fraud department at the fax number in the letter. 

I have sent Capital One the police report, a copy of my credit report showing all my credit card account numbers were changed as a result of the theft, another credit card which had fraudulent purchases on the same day reversed, and a copy of my bank statement with reversed debit card charges at the exact same place of business of the disputed charge on the credit card. 
They still have not reversed this fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 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: FL

Complaint narrative:
I pulled my credit report because I'm looking to purchase a home and I noticed I have accounts reporting that does not belong to me. I tried to resolve this issue with the bureaus but I'm getting no where because they aren't governing the Fair Credit Reporting Act.

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 2020-05-20 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:
information was compromised during the massive 2017 Equifax data breach, my ' private information, including names, Social Security numbers, dates of birth, credit card numbers and driver 's license numbers. I had Credit monitoring which seem to not help ive paid for Bureaus to alert me and Ive been lock out account made me economic deprived from loan if I need to seek financial help due to my credit I havent got to open and enjoy my credit because of the mess thats been going on for years of debt I hadnt accumulated Im a victim Ive took you guys to court which some due to my email being Compromised I lost a lot of documents I couldve helped me during my court process of me already being the victim of identity theft/data breach the increase that you guys have still havent approved my credit score is a four theres a lot of suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: CORELOGIC INC
State: MD

Complaint narrative:
On XX/XX/2020, I was discussing a HELOC with XXXX XXXX XXXX XXXX. As I was completing an application a representative emailed me to ask permission to pull my credit. I responded and stated that I was concerned that pulling my credit would result in a hit to the credit score, and so I only would authorize that if I knew that I would at least have the necessary  documentation available to complete an application. Specifically, I asked if paycheck stubs were needed, because I knew that I could not obtain them from my employer due to the COVID 19 situation. 

The representative checked, and confirmed that the application could be processed without those documents. The bank then directed its agent, Credco, to pull my credit. 

On XX/XX/XXXX, a loan processor asked for the paycheck stubs. When I forwarded my previous correspondence, they responded by saying that their representative had made a mistake. 

I contacted the credit bureau and disputed the credit pull, but they claimed that the report was accurate because it reflected an actual ( if unauthorized ) hard pull. They advised that if the pull was unauthorized, I needed to dispute it with the requestor. I contacted XXXX ( XXXX XXXX ) and asked that it direct Credco to reverse the hard credit pull, but they claimed that they had no influence over Credco. I contacted Credco to dispute the credit pull, but they did not respond.

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