vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have submitted several disputes online and over the phone with XXXX regarding a hard inquiry on my credit report. All cases have been closed advising it is correct and will remain on my report for 2 years. This hard inquiry was applied by Citi Bank/Best Buy on XX/XX/XXXX. I have not applied for a credit card for Best Buy. I contacted Best Buy on XX/XX/XXXX, first spoke to XXXX and was advised he could not locate an application to match my personal information including my SSN. I was then transferred to XXXX and was again advised there was no application or credit card opened under Citi Bank/Best Buy. I have asked Citi Bank/Best Buy to provide me something in writing to confirm I did not apply for this card since XXXX keeps confirming I am responsible for this inquiry. I would like this removed from my credit as it dropped my score significantly after this inquiry was reported.

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 2023-01-05 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: PA

Complaint narrative:
I have been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b )

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 2023-01-05 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 — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
Student loan AidVantage account number ending in XXXX I have a singular monthly payment. It is disbursed amongst XXXX loans. When the singular payment was late the loan reporter XXXX reported it as XXXX late payments. This is innaccurte and unfair in practice. It was one late payment to the creditor which then they disburse amongst accounts, this is not my action nor are they terms I have agreed to. 
Additionally when I dispute this with the bureaus, they replied with an incoherent, nonsensical, and irrelevant comment on mt report of " Fixed Rate '' then they proceeded to remove the comment in that same reporting cycle. It makes zero sense and is not addressing the issue in dispute. However what it did do is drop my XXXX score by XXXX points. Completely illogical and destructive behavior with no accountability by XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit Acceptance repossessed my vehicle during the pandemic once I was unable to pay my XXXX a month carnote after I was laid off from my job now my credit is destroyed leaving me unable to get transportation plus the balance on my credit report is showing as if they gave my XXXX  XXXX  XXXX away because the amount hasn't changed from before they repossessed.

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 2023-01-05 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-05 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: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX PNC Bank XXXX XXXX XXXX XX/XX/XXXX - Would not freeze account or even speak to me until they receive Probate documents. Documents have been sent 4 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with confirmation they received, then again to XXXX on XX/XX/XXXX to her email. XXXX ID, XXXX XXXX, Probate Documents, DL with account numbers. They confirmed they moved Mortgage to XXXX account but I have not received documentation or access. I still don't have access to checking, money market accounts and bills are 2 months overdue. Water was shut off, I had to pay out of my own pocket. Electric was going to be shut off XX/XX/XXXX, we paid that out of our own pocket. 
PNC Bank XXXX XXXX - NEVER ANSWER THE PHONE OR DISCONNECT YOU WHEN THEY ANSWER I live in XXXX, I am the executrix of the Estate and have all applicable documents. This bank is dragging their feet for a pittance of money. They do not return phone calls or emails. It appears they are anticipating us to just fold and let them have what small amount there is. This estate is one of our 22 years plus XXXX XXXX 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
DURING THE COVID PERIOD I FELL BEHIND ON MY MORTGAGE AND THE LENDER FILED FORECLOSURE. I REQUESTED AND RECEIVED A REINSTATEMENT LETTER DATEDXXXX XXXX XXXX XXXX XXXX XXXX  WHICH I DID.INCLUDED WAS AN AMOUNT OF {$8700.00} WHICH PRESUMABLY WAS FOR LEGAL. THE FLAT FEE CHARGED FOR THE ATTY. LENDERS LEGAL WAS {$5900.00}. XXXX XXXX XXXX XXXX XXXX THE ATTY. ADDED PARALEGAL FEES THAT WERE NOT TO BILLED AND SHOULD HAVE BEEN COVERED BY FLAT FEE CHARGED. NOT WITHSTANDING THIS EXCESSIVE BILLING CARRINGTON IS STILL STICKING ME WITH ADDITIONAL AMOUNTS OF {$4300.00} ( EX " A ) AND REPORTING IT AS DELINQUENT. ALL I OWE IS MY REGULAR MONTHLY PAYMENT. I AM NOT SUPPOSED TO OWE NOT XXXX  XXXX XXXX 
FURTHEMORE MY PAYMENTS ARE CURRENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
Applied for XXXX XXXX XXXX XXXX XXXXXX/XX/2022 after falling XXXX XXXX behind after our XXXX forbearance ended. Was informed by the servicer, Dovenmuehle Mortgage Inc ( XXXX ), that some documents were missing ( documents that the application clearly stated were not required for the hardship reasons we selected ) or incomplete ( which were actually clearly marked and answered ). We promptly faxed those and were told everything was complete and would be reviewed within the XXXX XXXX legally required. It has been almost XXXX XXXX and we are still being told the application is under review. We have called numerous times and asked to speak with the single point of contact required to be available to us. We have never been able to speak with this person. All of the communication regarding this situation has been initiated by us. DMI has never called, emailed, or mailed us any communications regarding this. 
We were also informed by XXXX of the various representatives that weve spoken to since we can not reach the single point of contact, that we could not continue to make payments while under review. This contradicts the information provided in the loss mitigation application and has resulted in our past due balance continuing to grow. 
They have failed to review the application within XXXX XXXX, have lost documents, and failed to provide us with a single point of contact that we can actually reach. These acts clearly go against the XXXX  servicing requirements as well as violates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: TX

Complaint narrative:
Received a Call from Midland Credit Management regarding a debt they purchased on me. Threatened me with wage garnishment telling me if I didn't pay them they would forwarded my file onto a local attorney in my area. They even said they would reduce my balance from {$2800.00} down to {$1800.00} and wants me to pay {$75.00} down payment and {$15.00} every 2 weeks payment.

Seems very sketchy and wouldn't let me off the call with them, when I did get off they told me that if they didn't hear back from me within 24hrs that they would proceed forwarded with a legal status towards me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked the 3 credit bureaus to lift my credit freeze for one day ( XX/XX/XXXX to XXXX XXXX ). XXXX XXXX and XXXX have notified that they have restored the credit freeze. Experian has not notified me. 
Experian assigned a confirmation number XXXX to my request. 
I want to learn whether Experian ever lifted my freeze and the date they restored the credit freeze.

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 2023-01-05 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: IL

Complaint narrative:
Transunion credit report file no. XXXX " verified as accurate and updated '' disputed information regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in collections from original creditor XXXX XXXX XXXX XXXX XXXX I have never requested or received any products or services from XXXX XXXX. I have never lived or owned property outside of my home XXXXXXXX XXXX XXXX XXXX XXXX XXXX  does not appear to provide products or services within XXXX. I have not been involved with XXXX XXXX in any way, yet XXXX XXXX XXXX XXXX has apparently repeatedly " verified as accurate '' the information it submitted to Transunion which is adversely reflected on my credit report. I would like this inaccurate information removed from my credit report and my personal information removed from the 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 2023-01-05 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: NC

Complaint narrative:
XXXX  XXXX XXXX, XXXX credit card, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX  XXXX as well as XXXX XXXX  and XXXX XXXX are all reporting an account fraudulently, I have contacted to attempt to provide them with an identity theft report and they refused to resolve this issue and delete the item. I am a victim of identity theft and they show a serious lack of regard or care in the matter. I have also attempted THREE TIMES to resolve this with all three credit reporting agencies as well via their dispute process however am unable to achieve results due to the automation of their processes. They continue to state that the account is verified when I request proof of this verification they fail to provide me with said proof. All the credit bureaus have done is parrot information given to them by the creditor in question. The continued willful and negligent noncompliance of the aforementioned parties I believe is in direct violation of 1681 ( a ) ( 4 ) of the FCRA.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX  XXXX XXXX, XXXX credit card, XXXX XXXX Bank, XXXX XXXX XXXX XXXX Bank , as well as Sunrise LA and XXXX XXXX are all reporting an account fraudulently, I have contacted to attempt to provide them with an identity theft report and they refused to resolve this issue and delete the item. I am a victim of identity theft and they show a serious lack of regard or care in the matter. I have also attempted THREE TIMES to resolve this with all three credit reporting agencies as well via their dispute process however am unable to achieve results due to the automation of their processes. They continue to state that the account is verified when I request proof of this verification they fail to provide me with said proof. All the credit bureaus have done is parrot information given to them by the creditor in question. The continued willful and negligent noncompliance of the aforementioned parties I believe is in direct violation of 1681 ( a ) ( 4 ) of the FCRA.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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