vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE 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 non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
I filed a complaint against XXXX and you closed it based on their response. I dont accept this because they havent addressed the actual problem. Theyre trying to get away with not taking care of it. My loan is with XXXX and they have XXXX taking care of payments for them. XXXX is ultimately responsible for my problem. XXXX says theyre not responsible for my payments to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. My payments are not made to or by XXXX for my loan. They come directly out of my bank account. When someone reports you delinquent as theyve done through XXXX, it goes on your credit report. This then goes to all the companies, Credit Card, Credit Reporting Agencies etc. This is a general problem that has to do with my entire rating and image of me being a bad debtor and its a very serious problem for me. I reported this problem to the XXXX and XXXX didnt replay until I filed XXXX complaints. I just received their response and they say theyre looking into it and will get back to me. Now theyre saying theyre not responsible. Which one is it? Of course theyre responsible and I dont accept the fact that theyre making excuses to you to get out of their responsibility. Im asking you to pls. look into this and investigate because againthis is a very serious matter and theyve hurt me in a monumental way. Their response is so flippant and condescending. Theyre basically mocking me which hurts me even more. I would appreciate it if you can please ask them for any evidence that would prove theyre in the wrong, lying and trying to take responsibility. Thats whats happening and Im paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CA

Complaint narrative:
This company is reporting inaccuracies on my credit report. They are reporting this information without any validation of the account. Under the fair act 15 U.S.C 1681 a this is a violation of my rights.

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 2022-08-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Rocket Mortgage send XXXX pre-approved email and I spoke with someone from Rocket Mortgage said I was pre-approved. When starting looking for realtor and house to purchase. Rocket Mortgage said I wasnt approved. I felt like I was being discriminated because of my race.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to all the credit bureaus and get a response that was in adequate because Upon my investigation and research it is still inconsistent. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have discharged Bankruptcy 2012 and I have credit cards company starting I owe money and its showing on my credit report. I tried to get them removed but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: SD

Complaint narrative:
On XXXX XXXX XXXX here in XXXX XXXX, SD. Overcharged me and the mechanic was negligent in the work done. He Left bolts UNTIGHTENED and or loose and the issue had to get fixed at another garage. 
I was told the cost would be {$990.00}. For a New Starter. I talked them down 30 % and I was charged {$700.00}, but I put a stop payment on the check. Because of the Overcharging and the Negligent work. But PNC Bank Did not honor the stop payment. They said the wrong Check number was entered on the stop payment form. But they did not show me the wrong number, and now today they still will not show me the wrong number on the stop payment form. Nor show me the stop payment form. I am not going to pay any mechanic who does negligent work on my car. And the bank has to honor a stop payment for negligent car mechanic work. 
And the bank 's negligence in not honoring the stop payment, is now added to the fraudulent work of XXXX XXXX. 
That Is one issue. 
The next issue with the PNC Bank is that " All of the disputes I Filed were NOT honored ''. Why Not I asked but no answer was offered. 
Like I was not complaining truthfully but falsely. Or Lying about the fraud that was allowed by the bank to go on and on. For Months. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Previously i opened several ira cds at Synchrony bank. Im in the process of transferring funds to open more with them. However, I just noticed their advertised IRA CD APYs have an asterisk that says " *This is the annual rate of return that you expect from your savings and investments during retirement. This calculation assumes a 010 % annual rate of return ( depending on your selection ) on your savings. '' Ive asked " what does that mean '' thru their secure message system after logging in and Ive been refused a written response. 

Please have them email me or secure message me and tell me what that means in writing. 

Thanks, 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 2022-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
I called XX/XX/22 to setup payment arrangement on a debt for XXXX. After verifying who I am, the rep stated I owed XXXX XXXX. I asked why is there a XXXX difference and she didn't know. She stated I could set up a payment arrangement for the amount showed in their system while they investigate. I disagreed and asked to speak to a supervisor. She transferred me to a gentleman who wanted me to re-verify which i was hesitant because for one, i already did and secondly there's this XXXX difference the last rep couldn't explain. The guy was so rude and stated it doesn't matter if i verified and i need to do it again. After going back and forth i stated I will just let my attorney look at it and ended the call. On XX/XX/22 I woke up to 4 credit alerts for negative items. I have multiple bills all under one account. He reported 4 of the higher accounts separately out of spite. The letter shows only one account number for everything. This dropped my score XXXX points.

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 2022-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am having problems getting a notification from Truist Bank located in XXXX, NC. I had a car loan through them but the car was totaled. XXXX paid them {$20000.00}. I am now working with my GAP coverage and they want a paper from the bank listing my payments and outstanding balances. I have requested this several times, they told me it would take 5-7 business days, heard nothing, called again, they said it is 5-10 business days. Still heard nothing. They claim they are backed up. But they told me I could go to a Truist bank near me and they could run the paperwork for me. I told the if it's that easy, why are they holding me up? The accident was on XX/XX/2022, it is now XX/XX/XXXX. I don't understand this holdup. It is affecting my credit as the bank wants a payment on the {$6200.00} remaining balance and I refuse to pay it. Can you help?

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
National Credit Systems, defined by the FCRA in this matter as a credit reporting agency, has violated Fair Credit Reporting Act Title 15 U.S.C. 1692c. ( b ) ( 2022 ) by communicating a debt in which has been alleged in association with XXXX XXXX to a third party ( XXXX ) without express written consent or judicial permission. As stated, the furnishing violates the Fair Credit Reporting Act, therefore rendering it impermissible by law to be communicated to a third party or national consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CA

Complaint narrative:
On XX/XX/XXXX, I entered into a lease agreement with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX, I decided to do a lease buyout and purchase the vehicle with a lease buyout loan from my bank. I made my regularly scheduled payment on XX/XX/XXXX as agreed. XXXX XXXX XXXX received the buyout payment from my bank on or about XX/XX/XXXX, and held the funds against my account, but did not apply the proceeds to the lease buyout until on or about XX/XX/XXXX. The lease buyout transaction was completed prior to XX/XX/XXXX. 

In XX/XX/XXXX, I received a notification on my credit monitoring that my score had dropped over 100 points. I logged into my credit monitoring tool and saw new negative information from XXXX XXXX XXXX, indicating that the account was closed and late. I immediately disputed the information and contacted XXXX XXXX XXXX and demanded they correct the information within XXXX hours as I was in the process of refinancing my home. They came through and reported the corrected information with XXXX and XXXX. However, since they did not respond to the dispute from Equifax, Equifax decided to remove the account from my report for XXXX XXXX XXXX 's failure to respond. 

On XX/XX/XXXX, I received a notice from Equifax that XXXX XXXX XXXX demanded that the account be re-added back to my Equifax credit profile. The information that was included in the demand for reinstatement contained wholly inaccurate information, indicating that the account was past due and more than 30-59 days past due, with derogatory comments in the additional information block. I again contacted XXXX XXXX XXXX and demanded they correct the information, they submitted changes, but still contained inaccurate information, and continued to affect my mortgage, and other specific FICO scores. 

At this point, I got into a back and forth with Equifax, XXXX ( the credit monitoring tool I use ), as well as XXXX XXXX XXXX, trying to get the information correct, and all 3 continue to point fingers at each other. I gave up for a while after disputing several times, and then being unable to dispute until recently. 

On XX/XX/XXXX, I was able to submit a dispute through Equifax against the data in my report regarding XXXX XXXX XXXX. On XX/XX/XXXX I received the results, and XXXX XXXX XXXX has doubled down and added more new and inaccurate derogatory information. This is a clear violation on several fronts of the Fair Credit Reporting Act and needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE 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 2022-08-17 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have tried to dispute these inquiries because at the time I was XXXX so how can I apply for anything? I want them removed thank you! 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX we were victim of business email compromise and was given fraudulent account information. We sent the money to a XXXX XXXX  account. We bank with chase bank. XXXX XXXX  called us and stated that they froze the funds and need chase to recall it so we can get our money back. Chase said they arent entitled to recall it. Ive tried to bypass chase and go straight to XXXX XXXX but they told us chase has to recall it. Chase wont do so and the money has been moved to a fraud account at XXXX XXXX, waiting for chase to recall it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have called Equifax more than five times in the last year about my credit report not being updated and being completely blank every time I call I'm told technical support will look into it but nothing have change for a whole year I want access to my credit report as it is my right and also desperately need my credit report so I can finally be able to apply for my mortgage loan as I have been waiting a long time to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
They call multiple times a day to our office even on weekends. 
We have been calling them for weeks and asking them to stop calling- they claim that we are not on their list but we continue to get calls. 

It's very obtrusive on our work staff to have to constantly stop working to answer a call just to be hung up on by them multiple times a day! Every day!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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:
You are hereby put on NOTICE. 

Your credit reporting agency is reporting incorrect / inaccurate information my status of the charge off XXXX account has been filed with my 1099C and its now considered income. 

The status has changed of this XXXX account. It was charged off and I filed the 1099C and it's now earned income and income isn't reported on my consumer report. 

REMOVE IMMEDIATELY. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal purposes. Your credit reporting agency is inaccurately reporting has damaged my livelihood and my financial reputation. 

As defined, by the IRS. Even if you didnt receive a Form 1099-C, you must report cancelled debt as GROSS income on your tax return. 

The IRS clearly defines a charge off as GROSS or Ordinary Income, INCOME DOES NOT GET REPORT ON MY CONSUMER REPORT! Which in fact, makes your reporting of this account inaccurate. By definition, the IRS clearly says a Cancelled or Charge Off is income. The reporting of this account as a debt is inaccurate. I DEMAND you to Cease and Desist the reporting of inaccurate / incorrect information immediately. 

I've included and attached my 1099C on my income taxes which is now considered income. Income does NOT get placed on my consumer report. 

Charge Offs The IRS says if the amount of over {$600.00} 1099C cancellation of debt. 
I filed taxes as realized as Earned income with my 1099C. 
Income doesnt get reported on my consumer report. 
So if I got my 1099C how is it being reported as a debt. 
So if I file it as income the status of the account has changed. 
It's not debt anymore it's income I filed my taxes. If it's income it's an inaccurate account. 

According to as it pertains to FCRA is inaccurate you must take it off my consumer report. 
15 U.S. Code 1681e ( b ) - Compliance procedures | Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Note : The status has changed what you reported is inaccurate. So how is your consumer reporting agencies maintaining maximum possible accuracy when in an incorrect item. 

DELETE this XXXX account immediately. 

I demand XXXX and Equifax to follow the law. XXXX recently removed it or I will have to enforce in monetary with state attorney. 


I've also included a factual dispute chart with discrepancies : High Credit : XXXX {$16000.00} vs. Equifax {$30000.00} Date Last Active : XXXX XX/XX/XXXX vs. Equifax XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX vs. Equifax XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Account opened on XX/XX/XXXX. I did NOT open this account. I am a former XXXX  and this was part of my pension plan. Account balance is {$3400.00} USD. I have tried repeatedly to close account and get XXXX I even sent {$12.00} money order for 2 day check. Citti bank says issue is id verification document. I sent XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX permit which I'd Photi I'd issued by state with photo, name, Birth date and Exp date. XXXX Ss 101.043 from 2016 states that this document is valid for ID purposes. Citi will not accept this and refuses to give me my XXXX I am a partially XXXX XXXX XXXX veteran. I should not have to drive 4.5 hours to a public branch for Citi to resolve this. I do not have a driver 's license. Which seems to be the whole problem. They also will not provide me with a complete acct number. The notice on the account only gives the last 4 of the account # XXXX. I have been trying to resolve this since XX/XX/XXXX and have talked to them weekly since then. They refuse to send my XXXX I am trying to get a DMV photo ID but am waiting on birth certificate to arrive from XXXX Please help.

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