vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 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: FL

Complaint narrative:
XXXX XXXX XXXX has been an issue since Ive gotten their service. I complained to them in writing three times & then twice to the credit bureaus. 

They are saying that i made a late payment in XXXX. I disputed this late payment, they then moved it to XXXX on XXXX and TransUnion but on XXXX reported it indeed XXXX. Making it look like two late payments. 

They also have the wrong number of debt owed. They are reporting my balance {$800.00} more then i owe & i make my payments on time every month.

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 2020-07-15 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-07-15 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander consumer USA has been an issue since Ive gotten their service. I complained to them in writing three times & then twice to the credit bureaus. 

They are saying that i made a late payment in XXXX. I disputed this late payment, they then moved it to XXXX on XXXX and XXXX but on XXXX reported it indeed XXXX. Making it look like two late payments. 

They also have the wrong number of debt owed. They are reporting my balance {$800.00} more then i owe & i make my payments on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: RELIABLE FINANCIAL SERVICES, INC.
State: PR

Complaint narrative:
I don't have a account with Reliable Auto Financial an open account with this creditor is reflected in my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-15 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: WI

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX transferred some of my student loans to XXXX. At that time, my monthly payment was {$0.00}. I never received any information regarding the transfer. I found out about the transfer in XX/XX/XXXX. Between XX/XX/XXXX & XX/XX/XXXX I was under an Emergency Declaration related to flooding. I contacted XXXX XXXX to ask for a deferment and it was granted. At no time did XXXX XXXX tell me that there was a change to my account and I had not noticed since I still had a monthly payment of {$0.00}. During the month of XXXX in XXXX, XXXX reported a 90+ day late payment to all three credit bureaus. During XX/XX/XXXX, XXXX applied a deferment for the period of the Emergency Declaration. XXXX will not remove the late payment notification from my credit report. I have never paid XXXX any money as of today ( XX/XX/XXXX ) and I do not owe them any money as of that date. XXXX incorrectly reported by account as delinquent even though I did not owe them any money. I have tried contacting them and they refuse to change the reporting. They reported my as delinquent even though there was an Emergency Declaration and had not made any two-way communication with me.

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 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Hi How are you? How's the COVID-19 going? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.  What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2020-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
My husband and I decided to get a home built back in XX/XX/XXXX as first time buyers. The scheduled time for the home to be completed was XX/XX/XXXX. Prior to the initial closing process, our loan/officer processor submitted our information to the underwriter of Mortgage Solutions of Colorado LLC, as a preliminary review. All was good. As time approached to us closing which started in XXXX, we submitted all necessary documents the lender asked for in less than one business day. The turn around time for them to look at the documents were 1-2 weeks top turnaround. We understood during Covid, processing takes a little longer, so, we understood. XXXX approaches and they send a rental history verification to our place of living. Well in order to do that, we had to put in our 60 day notice. So fine, we did that. End of XXXX approaches and here we are back at square one with them asking for the same documents they originally been asking for. So again, we submitted. Again, our turnaround time was less than one day. Now we are approaching XXXX, we finally get a closing disclosure. Surely this was it. Well it wasn't. They ask for the same information once again. Being concerned that time was approaching to our close date, I reached out to the Account Executive ( XXXX XXXX ) that was over our account. My experience with XXXX was the worse. I expressed my concern to XXXX and was looking to see what was happening. XXXX did not give a care in the world. He reasoning was its due to Covid and turn around time is 30-70 days turnaround. He continued to interrupt me and disregarded my concern as a new buyer. Mind you nothing was wrong with our credit, income etc. And also mind you, we started the process back in XXXX which now we are in 90 days. Outside of the SLA XXXX XXXX mentioned above. Now we are in XXXX and yet still nothing. We received a cancellation notice with the builder due to lack of closing. This information was forwarded to Mortgage Solutions team from my understanding and still, nothing. DO NOT choose this lender to close your loan. They have given us XXXX and this is suppose to be an excitement and joy as first time buyers. Other than their lack of fair service, there is no other reason why we should not have closed. This isn't the only platform I will submit my complaint because this has caused us to be put in a situation on many levels. We have to consider now where we are moving with now our lease being up to leave our apartment, my children being withdrawn from their school with the assumption we were moving because of our Closing Disclosure we received. Mortgage Solutions of Colorado LLC is pathetic and have lazy, sorry associates representing their values. If they have any. If I could give them a zero rating I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
On XXXX around Mariner Finance, office in XXXX, IN, called my wife at work after multiple attempts to contact me. The lady was rude and told wife that she would call every day because we are 2 months late which we arent. We missed XXXX payment due to my fathers death. XXXX payment is not even 30 day late. 

The lady stated that my wife didnt understand how serious this is. My wife shared that she needed to contact me but the girl kept pressuring her to make a payment. My shared that I handle the financials the lady said I am sorry he does that. My wife explained no that how our marriage works. The lady then stated that the account was open and maybe forged the check. 

Then she continued to lecture my wife and when wife shared she understands the girl then gave the phone to her manager, XXXX XXXX, who then continued to lecture my wife and would not let my wife get a word in. My wife was at work in the middle of project. She ended up hanging up on XXXX and called I went to their office which their is closed. So I called and explained to them that at times they call I am not able to answer and they didnt leave a message. I explained that my father and I had some unexpected expenses that put me behind. I also explained to them that I have been doing business with them for years and always pay my loan off early. I then requested that they dont call my wife at work. The lady refused and talked in circles about how my wife name is the only on the account and that is the only way to contact her. Again my family has been a customer for years at this company. I have made the payment by phone or by going into the office. The tactic they used to get a payment was harassment, unprofessional, and caused us stress during work hours. 

I made XXXX payment over the phone and was asked when can I make XXXX. I shared I could make it next week. I was to auto draft it but I felt pressured to do so in order not to get harassed and 2 calls everyday during are busy workday. 

I understand stress of this time with COVID and the risk/stress loan companies are under but this was over doing it. I have been a loyal customer at this office for years. In addition, this week my wife received a loan offer for {$850.00} ( what! ). 

I am so frustrated about how we were treated.

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 2020-07-16 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: NY

Complaint narrative:
I have no outstanding balance with this company and requested validation of this account about 7 times already. 
I have never received a single piece of paper.

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 2020-07-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have no outstanding balance with this company and requested validation of this account about 7 times already. 
I have never received a single piece of paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have no outstanding balance with this company and requested validation of this account about 7 times already. 
I have never received a single piece of paper.

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 2020-07-16 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern XX/XX/2020 I got hit with a hard inquiry from capital one. I did not apply for any card with them. This was never authorized by me. I didn't sign anything or sign up for anything. Just looking for this to be removed since it is inaccurate or fraud by someone trying to be me. I came here right away as soon as I was aware of situation. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 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: FL

Complaint narrative:
XXXX falsely reported a negative account to my credit report. This was immediately corrected by XXXX way back in XXXX. My score dropped over 50 points when XXXX did this. My score did not go back up to where it was when XXXX rectified their error. I have been trying to get Equifax to at the very least acknowledge their mistake. All they do is tell me that I was sent the completed report. Thanks for that. I did receive it. The real problem is that Equifax screwed up my score, and now they just stick their heads in the sand and refuse to correct their blatant error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I am writing this letter to document my verbal conversation with Flagstar Bank on Thursday XX/XX/XXXX and their customer service department. I was told that I had broken the loan modification terms for failure to communicate with Flagstar. 

The statement was made that FSB was trying to discuss with me the reason for my mother in law, XXXX XXXX being on title with my husband, XXXX XXXX and I and her failure to complete any paperwork for the modification. 

I explained that I had indeed tried to communicate with them last month when I was told verbally that there was a question regarding the title. 

In fact I was told in XXXX of XXXX, via a phone call that I made to FSB to check the status of my modification that XXXX, either a loan underwriter or supervisor needed to discuss with me the situation stated above in regards to my mother in law and title. 

I even confirmed the phone number for XXXX of XXXX and explained that I had returned her phone call and had left at least 2 messages that I can recall although there may have been more and that prior to the initial call in XXXX I was told that my loan was approved and all that was needed was a assignment of release from the previous servicer, XXXX XXXX XXXX, XXXX, XXXX. The assignment was completed and recorded on XX/XX/XXXX. I have attached the recording information. I also called again on Friday XX/XX/XXXX and left a message for XXXX. 

The original modification was set to be completed in XX/XX/2020 and since this time I have called, emailed and continued to ask when this would be made permanent and had been assured several times that the loan was approved and the assignment from XXXX/XXXX was all that was needed. I even contacted the attorney for XXXX XXXX XXXXFlagstar Bank and was told that they were dismissing the court case and that my file was still on hold for loss mitigation. A copy of that email is attached as well. 

As to date I still do not know the reason for the modification being rejected or if it has even truly been rejected., although my most recent mortgage statement suggests that it has. 

I have attached the following documentation for review : Assignment recording information Email from XXXX Previous mortgage statements Documentation of all payments being made In closing my XXXX payment will be made the same as the previous payments via phone with customer service and XXXX XXXX XXXX on XX/XX/XXXX. 

Please email your correspondence as it is much quicker than regular mail and phone calls do not seem to perpetuate any results.

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 2020-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP.
State: MA

Complaint narrative:
I recently noticed this delinquent account. I assumed my insurance had paid everything after I totaled my car because I never received a bill or any accounting. I can not possibly owe this much! Also, you are describing this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There is no loan agreement in place. No goods or money have been loaned. I'm pretty sure it is a violation of the FCRA to knowingly furnish or report false information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
We were scheduled to close on a new home on Tuesday, XX/XX/XXXX. We we also scheduled to close on the sale of our home that same morning. Monday evening Quicken Loans contacted us and told us we needed an earthquake appraisal before we could sign. Our realtor, title company, and our home inspector had never heard of such a thing. Our movers had to be cancelled which cost us a fee. We also had a hot tub mover that we had to cancel and incurred an additional fee. We have to be out of our home by Friday morning, and we have nowhere to go and no place to store our items. We have yet to hear back from this earthquake appraisal person. Quicken Loans did not accept our 63 page inspection report, then they said the earthquake appraisal was simply a drive by appraisal. This sudden appraisal request was because of an earthquake 40 miles away that happened in XXXX!? Ten hours before we were closing, they hit us with this ridiculous requirement. The worse part is they are in no hurry to get this completed. They send emails, but refuse to place a phone call to get this done. Meanwhile, the owners of the house were buying can not close on their home XXXX miles away because we havent purchased their home because of this appraisal baloney. Its going to cost us thousands of dollars due to this drive by appraisal where someone drives by and sees that the house is still standing. Quicken Loans puts everyday citizens in their queue. Were just a number to this massive organization and that saddens us. Were officially XXXX, and well have to store things somewhere, find someone else to move a hot tub, and obtain some hotel rooms because we dont know when well hear from this earthquake appraisal person. Unbelievable experience on my wifes birthday no less.

Company response to consumer: Closed with explanation