vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 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: DE

Complaint narrative:
We are being denied Housing due to XXXX XXXX ( a third party servicer ) that no longer was a Servicer for my old Mortgage with XXXX XXXX. My old Mortgage of $ XXXX was sold to XXXX XXXX who had XXXX XXXX be there Third party Servicer in XX/XX/XXXX. On the Equifax report that These Property management companies and Mortgage loan places are Recieving is that there were two combined mortgages at a Grossly Incorrect balance of {$420000.00}. ( XXXX  XXXX XXXX ( In XXXX this mortgage was sold to XXXX at {$210000.00} & XXXX, a third party servicer at {$210000.00} at a total of {$420000.00} ) is showing up on my Equifax Report. Please get removed Immediately. We are being Denied Housing due to this. Thank you. Best regards, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
ALLY FINANCIAL is reporting an inaccurate payment history - payment history shows 92 % when it should be 100 % on time payment history with all the open accounts I have now. 

proof in the attachments : first : the inaccurate report of 11 missed payments second : the ACCURATE report of all on-time payments

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 2021-09-24 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial made an unauthorized inquiry on my XXXX 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 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
XXXX XXXX I got a letter in XXXX  from XXXX XXXX XXXX XXXX in the amount of {$500.00} I've called several times and was able to get a hold of someone who spoke XXXX and mentioned that this account didn't belong to me as the Name and address did not match, this was removed on XX/XX/ and then 28 days later on XXXX XXXX I noticed that there was a new Collection from Midland Credit Management, for {$500.00} I have tried several times to contact and finally got in contact with them they mentioned that I due owe this amount, I've asked for proof in writing and I get nothing back, yesterday XXXX XXXX I got a letter stating I owe {$460.00} how is that possible? And on my credit report it showes I made a payment of {$38.00} on this account? I do believe that this is fraudulent can no one tell me where or how my payment was made. I'm reaching out to get this resolved because it's effective my overall health of life, my credit score has dropped significantly that I can't even apply for any line of credit. Please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: NY

Complaint narrative:
I MADE AN ONLINE PURCHASE XXXX FOR AN UPCOMING BIRTHDAY I NEED. THE ITEM FOR DAYS SHOWED " PENDING '' WITHOUT ANY SUCH MOVEMENT. I REACHED OUT TO THE COMPANY BY EMAIL SEVERAL TIMES STARTING ON XXXX ASKING ABOUT SHIPPING. ON XXXX I EMAILED THE COMPANY BACK ADVISING THEM TO CANCEL THE ORDER AND EFFECTIVE THAT DAY AS WELL XXXX THEY WERE NO LONGER AUTHORIZED OR PERMITTED TO CHARGE MY CARD, AND ADVISED IF THEY IT WOULD BE CONSIDERED ILLEGAL AND FRAUDANTLY. I ITEM WAS NEEDED FOR A XXXX BIRTHDAY ON XXXX AND THIS COMPANY ADVISED A TENATIVE SHIP DATE OF XXXX AFTER THE GIFT WAS NEEDED. SO ON XXXX I NOTICED AFTER REVIEWING MY ACCOUNT THIS COMPANY HAD WENT AHEAD AND ILLEGALLY CHARGED MY GOVERNMENT ISSUED UNEMPLOYMENT DEBIT CARD 7 DAYS AFTER BEING ADVISED THEY WERE NOT AUTHORIZED TO CHARGE ON MY DEBIT CARD ENDING IN XXXX. AFTER I NOTICED THIS CHARGE I CONTACTED XXXX DISPUTES AND FROM THAT POINT FORWARD IT HAS BEEN NOTHING BUT A DISASTER WITH KEY BANK NOR DID THEY PROVIDE ME WITH A PROVISIONAL CREDIT WITHIN 10 DAYS OF FILING THE DISPUTE. SO FORWARD TO BEGINGING OF XXXX XXXX I CALLED INTO KEYBANK DISPUTES TO CHECK THE UPDATE/STATUS AND THE MAN TELLS ME THAT ON XXXX XXXX THE COMPANY PROVIDED DOCUMETATION OF THE ITEM BEING DELIVERED- THAT WAS NEVER THE CASE- THE DRIVER LEFT MY DRIVEWAY WITH THE BOXES IN HAND. I ASKED WHY I WAS NEVER SUPPLIED THOSE DOCUMENTS I AM ENTITLED TO VIEW AND SEE WHAT WAS NEXT TO DO. THE MAN ADVISED ME THAT IF I COULD FID SOME DOCUMENTATION SHOWING OTHERWISE I COULD SUPPLY THAT. I REACHED OUT TO XXXX AND EXPLAINED THE SITUATION AND ASKED IF THEY COULD PROVIDE ME SOME DOCUMENTATION SHOWING IT WAS NEVER RECEIVED. ON XX/XX/2021 I FAXED KEYBANK THE DOCUMENTS I WAS ABLE TO GET FROM XXXX AND THEY STATED THEY WOULD LOOK INTO THE CASE WITH THE NEW DOCUMENTS SUBMITTED. SO FROM END OF XXXX UNTIL TODAY XXXX KEYBANK HAS DONE NOTHING LIE AND XXXX ME SINCE XX/XX/2021 ON THIS DISPUTE. SO ON XXXX I REACHED OUT AND SPOKE WITH SUPERVISOR " XXXX '' HOW TELLS ME I'LL CALL YOU TODAY OR TOMORROW WITH THE STATUS UPDATE BECAUSE SHE NEEDED HER STAFF TO REVIEW IT. WELL " XXXX 'S '' PHONE CALL NEVER CAME. HOWEVER, I DID ASK HER FOR A NUMBER O HOW I COULD REACH HER AD SHE PROVIDED WITH SOME ODD PHONE NUMBER AREA CODE " XXXX '' I DID LEAVE A VAGUE MESSAGE ON SOME KIND OF VOICEMAIL ASKING FOR A RETURN CALL AND NOTHING. SO TODAY XXXX I REACHED OUT AD SPOKE WITH SOMEOE ASKING THE STATUS AND ADVISES ME THE CASE WAS CLOSED YESTERDAY XXXX AND IT WAS OVER THE TIMEFRAME FOR ME TO RECEIVE MY FUNDS BACK!!!!!! SO I'M CURRENTLY OUT {$420.00} FOR THE NON RECEIVED ITEM AND {$420.00} IN CASH ( LIQUID ) THAT WAS PAID OUT FROM MY DEBIT CARD THAT THIS COMPANY ILLEGALLY TOOK SEVERAL DAYS AFTER THEY HAD BEEN ADVISED NOT TO TOUCH MY DEBIT CARD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: CO

Complaint narrative:
XXXX XXXX I got a letter in XXXX  from Credit Control , LLC in the amount of {$500.00} I've called several times and was able to get a hold of someone who spoke XXXX and mentioned that this account didn't belong to me as the Name and address did not match, this was removed on XX/XX/XXXX and then 28 days later on XXXX XXXX I noticed that there was a new Collection from XXXX XXXX XXXX, for {$500.00} I have tried several times to contact and finally got in contact with them they mentioned that I due owe this amount, I've asked for proof in writing and I get nothing back, yesterday XXXX XXXX I got a letter stating I owe {$460.00} how is that possible? And on my credit report it showes I made a payment of {$38.00} on this account? I do believe that this is fraudulent can no one tell me where or how my payment was made. I'm reaching out to get this resolved because it's effective my overall health of life, my credit score has dropped significantly that I can't even apply for any line of credit. 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
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I called on XXXX XXXX after receiving my escrow statement showing that my payment would be increased due to property taxes. I am a XXXX XXXX veteran with a property tax exemption letter on my file that has been turned in to this company more than once as this issue has come up more than once. I have had to deal with getting my property taxes removed and escrow taken care of before. I refinanced earlier this year and if they backtrack looking at my account I am sure there is a record and paper trail of it being verified and the documentation and them seeing the property taxes being taken off. I called today XX/XX/XXXXas I was told it would be completed by today and it was even verified on the phone it takes 7 business days which comes out to today as seven business days. My mortgage has been with this company for quite some time so I do not know what the issue is or who is not doing their job but I should not keep having this issue. This needs to be rectified once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XXXX, I applied for a deferral on our 2nd mortgage ( HELOC ) due to being out of work and having no money coming in. Prior to XXXX, our account was current and had no late payments that would affect our credit. I was unable to make payments for XXXX, XXXX, and XXXX. I brought our account current and paid the 3 months of deferral in full. When looking into refinancing our home in early XXXX, we noticed our credit has dropped when looking at our credit on XXXX and Bank of America showed that we had missed payments during our requested deferral period. I called Bank of America in mid XXXX to find out why. They told me that my account was current and didn't see any deferral or late charges. After explaining what we were seeing on the credit karma app, and that we were confused why missed payments would be reported to the credit bureau while in a deferral when we were told a deferral would not affect our credit is when we were concerned and why I was calling. I was transferred to different departments, and at times disconnected. Eventually, I was told we had a case manager by the name of XXXX XXXX. When trying to contact him to hopefully get answers, no one had heard of him or knew who he was so I was never put in contact with him. I finally talked to someone who was unable to find anything to show that I put in a deferment request and she told me I was not the only person this happened to. She suggested I request a letter to state that we are in good standing. I did so and we were denied and said that we could appeal it with a written letter. I wrote a letter to appeal it and have not heard anything back and it has been almost 3 weeks since sending that letter.

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 2021-09-24 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:
Good Evening, On XX/XX/2021 I submitted a claim with Equifax to advise them they had the incorrect SSN on the website ( Confirmation : XXXX ) on XX/XX/2021 the Claim was " Completed ''. When checking the website it still had the incorrect SSN, so I contacted their offices directly to let them know the issue was not fixed. I was mimicked, laughed at and told I couldn't speak to Manager, the Rep refused to give me his name and he was disrespectful, put me on hold then sent me to a survey line. I then filed another complaint XX/XX/2021 ( Confirmation:XXXX ), it was completed the same day and the SSN was not corrected. I then submitted another claim on XX/XX/2021 ( Confirmation:XXXX ) and contacted the Equifax Offices , again I was mimicked I was laughed at for the issue I was having, was called racial names and hung up on. I have been having the issue since the beginning of XXXXXXXX have received multiple letters saying the issue was fixed and it has not. Equifax says they have no records of any of the claims but I have multiple letters they are not assisting. I have filed a complaint with XXXX they have not assisted either. I'm at my wits end, this has been such a challenge. And for the company to be so disrespectful, unwilling to assist, and then to make fun and use racial slurs is very disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: TX

Complaint narrative:
I filed an FCC Identity Theft report and forwarded the documents to Transunion. By Law, The entries were entailed in my dispute letter and must be removed/blocked within 4 days of the Bureau receiving the documents. Transunion received the documents by USPS certified mail on XX/XX/21. The date as of today is XX/XX/21, yet Transunion refuses to comply by FCC and FCRA compliance laws and block the accounts. The fradulent tradeline is XXXX XXXX XXXX. The fraudulent inquirees came from, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and 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 2021-09-24 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: Consolidated Information Services Solutions, LLC
State: MI

Complaint narrative:
I have a new inquiry and I am not looking for credit nor did I sign an application to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
DESPITE DISPUTING WITH ALL 3 BUREAUS FOR THE PAST YEAR ONLY CERTAIN ACCOUNTS HAVE BEEN REMOVED FROM MY CREDIT REPORT. ALL CORRESPONDENCE HAVE BEEN VIA CERTIFIED MAIL, I'VE EVEN WENT TO THE LENGTHS OF HAVING THESE LETTERS PROVING FCRA VIOLATIONS NOTARIZED. PLEASE REVIEW ATTACHED.

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 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TMX Finance LLC
State: NV

Complaint narrative:
TitleMax, with whom I have never done business, won't stop calling me about some stranger 's debts. They have the wrong number. Telling them doesn't stop the calls nor does filing federal complaint -- last complaint number I noted XXXX like all the other calls and complaints assure me they will stop but they are at it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: PA

Complaint narrative:
XXXX XXXX is reporting an inaccurate payment history - payment history shows 92 % when it should be 100 % on time payment history with all the open accounts I have now. 

proof in the attachments : first : the inaccurate report of 11 missed payments second : the ACCURATE report of all on-time payments

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX is reporting an inaccurate payment history - payment history shows 92 % when it should be 100 % on time payment history with all the open accounts I have now. 

proof in the attachments : first : the inaccurate report of 11 missed payments second : the ACCURATE report of all on-time payments

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 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
my lender had pull my credit i had notice i had some items they didnt belong to me it end up being mix credit issues so this one company i end up fight for month and try to dispute it. ill even provide information from credit report proving that it didnt belong to me. they told me they not providing any letters, to help me take it off my credit. they very rude, and hang up in my face. ill even try a another way to settle the debt. they told me no. im at all my all with this company kimball tirey & st j

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I sent a Dispute letter on XX/XX/2021 and XX/XX/2021 stating that an old account was over 7 years and I sent proof of that, the company has change 3 times of information to stay on my credit report and when I ask why, Experian just mention that this company is right and it will stay on my credit file for longer, even thought is over 7 years old, is closed and never sent me any evidence that they investigated or received anything from this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: Selene Holdings LLC
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This item is reporting late, yet it is closed and the balance is XXXX  as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
I received a letter about refinancing my home, I called in around the first of XX/XX/2021 to see what rates they had, the rate I have is better so we decided not to. When the Pennymac agent asked me why I wanted to refinance I advised it was to get the mortgage insurance off the account. He sed that due to the Loan to Value ( LTV ) of my home and the market I would be able to get that removed after my next payment. 

I called in again on XX/XX/2021 to start this process and was told no. 

After escalating to a supervisor ( XXXX XXXX EXT - XXXX ) I asked to submit a Unfair, Deceptive, Acts, and Practices ( UDAP ) case she sed she would review the call and give me a call back with her findings. 

I called again on XX/XX/2021 to talk to XXXX and was unable to get though so I escalated again to ( XXXX ) and was again told I would get a call back and never did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Unauthorized transactions XX/XX/2021 {$1000.00} Merchant XXXX XXXX XXXX XX/XX/2021 {$580.00} Merchant XXXX XXXX XXXX Tried to dispute on credit card website and electronically completed dispute form will not submit. XXXX XXXX XXXX  Tried to call credit card company. Message for dispute department says is closed. 
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 monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I need them to update my credit report is still reported Balance since XXXX

Company response to consumer: Closed with explanation