vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a dispute out to all three main credit bureaus and ask for validation of the debt of an account. They all came back as verified. I then contacted the Bankruptcy court and they informed me that they did and do not verify debt with bureaus. I am requesting that they send me the Method of verification of this debt. 

I am writing to request the method of verification for the dispute initiated between 30-60 days ago.

Chapter XXXX Bankruptcy Case Number : XXXX Please send the following information used to verify the validity of CHAPTER XXXX BANKRUPTCY Case Number : XXXX 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The  documentation used to verify the dispute I personally have an attached letter from the court stating that the did not verify the dept to Credit Bureaus. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: CA

Complaint narrative:
On XXXX I opened a complain on this site ( Complain # XXXX - report is attached ) because XXXX was charging me late fees when I had applied and been approved in a monthly basis for referred payments until XXXX due to the COVID pandemic. By XX/XX/2020 XXXX finally responded that they were waiving any late fee I was being charged and apologized for all the inconvenience. 

Today I learned that XXXX had reported to the Credit Bureau that my account was late for 30 days, impacting negatively to my credit history. 

I am very much mortified for all the inconvenience and headaches XXXX XXXX has put me through. I had a credit score was outstanding and now it has decreased significantly decreased because of this situation. 

XXXX had taken almost TWO months to take care of the prior related issue and it was not even do it right. They have handle this situation very poorly. 

Now I have to waste time, resources again, to have this issue fix. This is not ok. 

I am enclosing the report that was filed and recently closed related to this current issue.

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 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Cardinal Financial 's disclosures and difficulty to retrieve signed documents make it extremely difficult for me to understand my closing costs and expectations. I have complied with every request they made and have all submitted my documents the same day they asked for them. Since starting my refinance process it has been 70 days and there are weeks that go by without an update. But every 2 days they send me a request to sign a Closing Disclosure and they do not send me a copy of what I signed. I have 4 refinances with them, not just one. They have asked me to sign 15 or more Closing Disclosures per loan and have extended my clsoing date over 10 times due to no fault of my own and without explaining to me the reasons why, keeping me in the dark without setting expectations or explaining their reasoning. I have refinanced 5 homes recently with another lender and have closed in 25 days or less. I am very familiar with the process and I have all my files and documents organized and I have complied and turned every document in the same day they requested them. Their delays and inability to move smoothly and their lack of communication of where I am in the lending process has caused me servere anxiety and financial losses as I was told I should have my funds in 30 days or less. From the 4 loans 3 I own with no mortgages that I am doing a cashout ono and one i'm refinancing for a better rate. I am 40 days behind on the refinances. There is no reason for them to request for me to sign discloures twice a week if they don't have a set closing date. Their constant requests for CD signatures has caused a confusion in what I will be getting at closing as well as missed expectations & deadlines. Every time I send documents they request they take 7 or more days to respond back. I reached out to their consumer advocate customer service line and they were not helpful at all. They said they have my files and somoene will reach back out to me. I followed up with an email to inform them that no one has called and it has been 14 days with no response. What am I to do? Take my files to another lender and wait 30 days to close or have an expectation that I will be closing in 7 days then find out 7 days later that they need 7 more days then another 7 days and they tell me we are in underwriting then 7 more days later that they need one document then 7 days later and it's been like this non-stop. There has to be an end to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2020 : I was unable to log into my Chase online account. I called their service number and they mentioned that I had to verify my identity at a local branch with two forms of identification. 

XX/XX/2020 : I went to a Chase branch in XXXX, CA. The service representative called a customer service representative about my account. They mentioned that Chase had decided to close my personal checking account ( that I had opened only a couple days prior ) and the service representative mentioned that I would not be able to have any future checking or savings accounts with Chase ever again. Also, the money that I transferred internally from my Chase business checking account to my Chase personal checking account could not be transferred out. I would have to wait for them to close my account and for them to send me a check in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disputing the XXXX XXXX on my three credit bureau reports. The inaccurate information remains after each dispute. The FCRA requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to bee inaccurate or that the furnisher has reasonable cause to believe is inaccurate. XXXX XXXX and XXXX XXXX   and Transunion are all KNOWINGLY furnishing and reporting inaccurate information on my consumer credit files. I have repeatedly disputed this inaccurate information and have also filed a previous consumer financial protection bureau claim. This inaccurate account is still reporting inaccurately on my credit reports. I hereby ask the consumer financial protection bureau have this account removed from my credit report per it is stopping me from getting insurance, affecting my credit score and my life in a dramatically negative way. It is also affecting me mentally and physically. If the three credit bureaus and XXXX XXXX continue to report this account that is showing charged off and late payments after the charge off as an open account I will have no other recourse but to contact my attorney general and file legal action.

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 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I applied for mortgage assistance with ROCKET MORTGAGE under the CARES ACT OF 2020. I was told to pay my bill until I receivd a letter that I am approved and that would take 30 days. We were well into XXXX and I asked what I should do about the XXXX bill and I was told to pay and if I am approved XXXX I will get my money back. My approval date was by XX/XX/XXXX so I made sure they got my payment by XX/XX/XXXX and filed for forebearanced as instructed. 

I got my letter today and called in to confirm, and no one knew what to do until one resolution specialist said they don't have to return my money or start the forebearance next month. They can keep it AND charge it to forebearance and there's nothing I can do about it. I can not appeaL, I can not create a complaint. I can not speak to anyone else. I can not send a letter. I shouldn't have paid my mortgage on time. I begged that even if I was given the wrong information when I called in for filing information this was still a hundred year horrible world wide pandemic and Rocket Mortage should do the right thing. The right thing that they did was hang up on me after 40 minutes. Thank You Rocket Mortgage. 

I publish this so other consumers don't get abused by the policy -- they want you up to date or you won't get approved for forebearance, and then when you get approved for forebearance they will keep your money anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have submitted a dispute for XXXX charged to my credit card on XX/XX/2019. Citibank has accepted this dispute only after I have complained to CFPB last month that Citibank had been refusing to accept my dispute. 
However, Citibank does not process my dispute according to the law, and they refuse to provide any information to me about the status of my dispute. 
When I contact Citibank I am subjected to XXXX abuse from their employees who tell that they are based in XXXX. these employees belittle and humiliate me. When I complain to them, they then tell me that they refuse to communicate to me on instruction from Citibank, They also refuse to provide their last names. The three employees that I communicated with all said they are in XXXX and that their legal names are XXXX, XXXX and XXXX. They all give American-sounding names. I submit to CFPB that Citibank instructs and/or allows their employees to give false names and racially abuse me, I insist that Citibank resolve my dispute and provide the credit for the disputed amount and cease XXXX abuse directed towards me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS MANY TIMES YET TO NOT HEAR A WORD OF WHATS GOING ON THIS MY LIFE AND THIS MESS HAS HURT MY BUSINESS AND LIFE

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 2020-10-02 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: TX

Complaint narrative:
I have been disputing the XXXX XXXX on my three credit bureau reports. The inaccurate information remains after each dispute. The FCRA requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to bee inaccurate or that the furnisher has reasonable cause to believe is inaccurate. XXXX XXXX and Equifax, XXXX  and XXXX  are all KNOWINGLY furnishing and reporting inaccurate information on my consumer credit files. I have repeatedly disputed this inaccurate information and have also filed a previous consumer financial protection bureau claim. This inaccurate account is still reporting inaccurately on my credit reports. I hereby ask the consumer financial protection bureau have this account removed from my credit report per it is stopping me from getting insurance, affecting my credit score and my life in a dramatically negative way. It is also affecting me mentally and physically. If the three credit bureaus and XXXX XXXX continue to report this account that is showing charged off and late payments after the charge off as an open account I will have no other recourse but to contact my attorney general and file legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TX

Complaint narrative:
I have been disputing the XXXX XXXX on my three credit bureau reports. The inaccurate information remains after each dispute. The FCRA requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to bee inaccurate or that the furnisher has reasonable cause to believe is inaccurate. XXXX XXXX and XXXX, Experian and XXXX  are all KNOWINGLY furnishing and reporting inaccurate information on my consumer credit files. I have repeatedly disputed this inaccurate information and have also filed a previous consumer financial protection bureau claim. This inaccurate account is still reporting inaccurately on my credit reports. I hereby ask the consumer financial protection bureau have this account removed from my credit report per it is stopping me from getting insurance, affecting my credit score and my life in a dramatically negative way. It is also affecting me mentally and physically. If the three credit bureaus and XXXX XXXX continue to report this account that is showing charged off and late payments after the charge off as an open account I will have no other recourse but to contact my attorney general and file legal action.

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 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Rent Debt is stating I ( and my husband ) owe XXXX for vacating the XXXX at XXXX XXXX XXXX. 

The leasing manager at that time, XXXX told us in XXXX of 2019 that if we moved out and gave 60 days notice we would be okay and they would take care of us as far as any fees are concerned because she would have no problem leasing our prime location, 1st floor apartment. The alternative was hoping to get us a 3 bedroom in the community as I was pregnant and there was no room in a 2 bedroom apartment for what would have been 5 people. I did not get this in writing as she had been  the manager our entire time there. We did give 60 days notice. 

2 weeks before move out XXXX was transferred to who knows where and the new manager had no knowledge but would reach out to her and take care of us. Clearly she did not. 

Upon move out I was not told of any fees from the complex. Rent Debt is trying to collect. They are rude, and unhelpful. I also have a charge for a pet fee. I have a service animal. Im a United States XXXX XXXX XXXX with a service animal - a well trained one - what clean up fee does a house trained dog require? They charged me to clean the carpet, I can understand that. After 2 small boys lived there I would want them cleaned too but what is the pet cleaning? Its outrageous and a scam at best. 

My apartment was leased IMMEDIATELY after we moved out. I know because I went back because I left a doormat out on the patio and thought I could grab it but someone was already moving in 1 week later. So why the fee?? 

I called rent debt to ask what they needed from me to paperwork wise to get this resolved. The rep said whatever you want to send. Im like okay so do you want my dogs papers? Do you want my 60 day notice? Do you want my XXXX paperwork showing why we were leaving? He said whatever you want to send. WHAT??? What kind of person works in customer SERVICE and forgets theyre there to provide SERVICE like??? Honestly disgusting and disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS MANY TIMES YET TO NOT HEAR A WORD OF WHATS GOING ON THIS MY LIFE AND THIS MESS HAS HURT MY BUSINESS AND LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS MANY TIMES YET TO NOT HEAR A WORD OF WHATS GOING ON THIS MY LIFE AND THIS MESS HAS HURT MY BUSINESS AND LIFE

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 2020-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT

Complaint narrative:
I have set up autopay numerous times, the payments do not pull. I get behind on payments without even knowing. they have all of my bank account information and I have agreed to when they would pull out the money. It has to be on time and when I agreed or else I do not have the funds set up properly.

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 2020-10-02 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 {$4900.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

-- INSTALLMENT LOAN -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed the record reflecting a chapter XXXX bankruptcy that is over 5 years old last month with XXXX   and Transunion ( Docket # XXXX ) however Trans union states that according to federal law they can report Voluntary Dismissed Bankruptcys. My case was not a voluntary dismissal, the Court that deemed my bankruptcy " ineligible '' due to me not having enough debt and my purpose for the bankruptcy was to deal with fraud and identity theft issues that I was a victim of. I was young and did not know any better so the courts signed an order to dismiss the case because they deemed me ineligible for the chapter XXXX. Therefore according to Transunion previous statement in response to my previous dispute, " it is TransUnions policy to report discharged or voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. '' My case was not a voluntary dismissal. Please see attached court order. 
Please remove this from my record it has caused me to be held back long enough and I did not know to even fight for myself. 
Thank You!

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