vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
cant upload documents to website like I should be able to! unauthorized inquiries!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I checked my credit report and notice to many hard inquires on my credit report from a car reporting agency they pulled my credit with out my consent I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XX/XX/XXXX in your response dated XX/XX/XXXX Bayview XXXX CFPB XXXX XXXX Requests for information. 
XXXX ( e ) ( 1 ) ( i ) A, B Notice of Error 1024.35 ( e ) ( 1 ) ( ii )  Different or additional error XXXX XXXX you state your records reflect that on XX/XX/XXXX a disbursement of {$1000.00} was sent to Family Sec/State Farm for hazard insurance XXXX effective XX/XX/XXXX through XX/XX/XXXX copy of the invoice is enclosed for reference once again you send 25 documents WOW voluminous for such a simple question, i understand Bayview trains its employees to send lots of documents, irrelevant documents, wasteful documents, documents that have nothing to do with the questions asked, and i will keep asking until you answer my questions, send documents as required by law to support your statements tell me the outcome of your investigation with supporting documents make the adjustments necessary send me documentation that you made the adjustments as required by law, you, Bayview can say as it has, Mr XXXX asks so many question, Mr XXXX has sent over 20 letters to Bayview, we have already answered those questions, but i will continue to ask until you comply with the law, please look up Bayviews responsibility under Notice XXXXf Error, Bayviews responsibility under Request for Information, Bayviews responsibility under Qualified Written Request The  statement you provided is FALSE. 
Of 25 pages NONE include any evidence of your claim in your response. 
1-send a copy of the two letters required by law you sent me before you purchase any type of insurance, your a perfect example of why CFPB had to create these guideline. 
2-please send the letter that you rec 'd from Family Sec/State Farm showing that the policy had expired was canceled or was unpaid on XX/XX/XXXX 3-send a copy of the policy you purchased send a copy of the canceled check showing you paid this policy 4-were you unaware the homeowner already paid for homeowners on XX/XX/XXXX? 
And no blah blah blah, our records indicate, blah blah blah, according to your mortgage agreement blah blah blah. Try to answer the questions i ask because i will continue to send letters until you answer my questions and provide documents, more documents, and documentation for all your blah blah blah.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: MI

Complaint narrative:
Gregory Funding is trying to collect $ XXXX month ( over {$2400.00} a year ) for my escrow account on my mortgage. I've provided proof that my current property taxes for this year have totalled to about {$910.00} for the year. They have said they would reexamine my escrow, but have not contacted me, not has my escrow amount due changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
Hello and Happy Sunday! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.

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 2020-09-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.

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 2020-09-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
stop making excuses remove these inquiries off my credit report please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: United Revenue Corporation
State: TX

Complaint narrative:
1. Requested supporting documentation to show that this is my debt more than a dozen times thought out the last year and have yet to receive. 
2. This debt is not mine. This must belong to my twin brother who obviously has the same birthday as me and has the same initials as me. His initials are XXXX  just as mine. 
3. Per the report, this is from 2014 and is now approaching 7 years old and have YET to receive any resolution. 
4. The 3rd party collections agency has called numerous family members and my work when I've specifically asked for the supporting docs numerous time and told them this is not my debt. Ive told them NOT to contact anyone but myself, that I would continue telling them the same thing over and over again until they could show me that this is MY DEBT! 
Someone, PLEASE HELP with resolution! Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Submitted mortgage payment by mail on XX/XX/XXXX. Payment was due on XX/XX/XXXX. Paid {$7.00} for 2 day delivery, which should have arrived on XX/XX/XXXX. Checked to see if payment arrived during the week. Spoke to some on XX/XX/XXXX and payment still was not received. On Monday, XX/XX/XXXX received a notice that payment was received in P.O. Box on XX/XX/XXXX and a late fee was being accessed. The late fee is {$100.00}. The mortgage is held by Quicken Loans , Inc . I was told that only one late fee can be waived, during the life of the loan which I didn't know. Going forward I will pay either online or through the bill payer, because payments just sit in the P.O. Box and appear to not get posted daily. I don't understand why it took 6 days, when I paid extra money for 2 day delivery. The person I spoke with sarcastically said that's why they encourage most people to pay over the phone. No one had ever told me that previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: SC

Complaint narrative:
I checked my credit report and notice to many hard inquires on my credit report from a car reporting agency they pulled my credit with out my consent I need them removed immediately.

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 2020-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX  XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXXXX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXXXX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: AL

Complaint narrative:
I HAVE DISPUTED THE REPORTING OF THESE ACCOUNTS SEVERAL TIMES. THESE ARE BEING INACCURATELY REPORTED ON MY CREDIT PROFILE. THE CABLE BILL IS FRAUDULENT. THE XXXX LATE PAYMENTS ARE TOTALLY INACCURATE. THESE LATE CHARGES ARE HOLDING MY CREDIT SCORE DOWN. I AM TRYING TO BUILD MY PERSONAL CREDIT TO BUILD MY BUSINESS BUT THESE INACCURATE REPORTED ACCOUNTS ARE A HINDERENCE. IT IS ALSO UNFAIR PRACTICES. XXXX  AND XXXX ARE NOT REPORTING THESE INACCURATE ACCOUNTS. ONLY TRANSUNION.

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 2020-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Credit card interest rate is currently 24.99 %. This is on a BJs Perks Mastercard issued by Comenity. 

Annual interest rate is excessive. Called the company on XXXX and asked them to lower the rate. I am an XXXX year old retiree on a fixed income and am having difficultly paying the excess interest every month. The company would not lower the interest rate even after describing my circumstances. 24.99 % should be illegal. Where I grew up in New York that would be considered loan shark rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I HAVE DISPUTED THE REPORTING OF THESE ACCOUNTS SEVERAL TIMES. THESE ARE BEING INACCURATELY REPORTED ON MY CREDIT PROFILE. THE CABLE BILL IS FRAUDULENT. THE BBVA LATE PAYMENTS ARE TOTALLY INACCURATE. THESE LATE CHARGES ARE HOLDING MY CREDIT SCORE DOWN. I AM TRYING TO BUILD MY PERSONAL CREDIT TO BUILD MY BUSINESS BUT THESE INACCURATE REPORTED ACCOUNTS ARE A HINDERENCE. IT IS ALSO UNFAIR PRACTICES. XXXX AND XXXX ARE NOT REPORTING THESE INACCURATE ACCOUNTS. ONLY TRANSUNION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: AZ

Complaint narrative:
I recently noticed that Experian shows 6 missed payments on my credit report. I do not have missed 6 payments, all other major credit bureaus report all my payments are 100 % on time. 
Experians setup of their website makes it impossible to file an online complaint. I tried several times and it won't allow me to submit the complaint. I think this is done on purpose, so they don't get " bothered '' with customer complaints. I also sent them a letter, and -not to my surprise- never received an answer. 
I can't even find out, what the falsely claimed missed payments are ; Experian does not provide this information.

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 2020-09-27 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:
I have been in contact with Equifax for the past 2 months about this same issue with this bankruptcy reporting on my report. I have pointed out many things wrong with this entry they have on my report. I sent in a request for this to be investigated in XXXX and in XXXX. Nothing has changed. When I look at the listing it states that the bankruptcy was last reported back in XX/XX/XXXX and it was verified back in XX/XX/XXXX. How can something be reported and verified on the same day if it were never investigated in the first place? Also I pointed out that i have been disputing this inaccurate erroneous account since XX/XX/XXXX. Why has this date not changed since XX/XX/XXXX? This tells me that my rights are being violated and no real investigation is taking place. This account is inaccurate information and it needs to be deleted from my file. I asked where this was reporting from and got 3 different answers. I requested the description of procedure and was told that they go through XXXX   XXXX. Another told me they go through the courts and someone told me it verified electronically, whatever that means. I called XXXX and spoke with a representative who told me that there was no bankruptcy on file, this was on XX/XX/XXXX. I wrote a letter to the courts and was told that they do not report or verify this information with any credit reporting agencies. All in all inhave been given misinformation from this company on many different occasions and I am not going to keep being deceived by a company who is not complying and abiding by the laws. This item needs to be deleted from my report immediately as it is inaccurate and unverified. The company has failed on multiple occasions to investigate and instead went in and changed the date after the fact pinpointed that it hasn't been investigated and the date verified shows XXXX. Something is definitely going on here and it's not good or isn't right!!! I've compared 3 reports and they all say completely different this. This is an automatic violation under the FCRA!!

Company response to consumer: Closed with explanation