vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NEXA Mortgage, LLC
State: GA

Complaint narrative:
I was working with a lady by the name of XXXX XXXX XXXX and she works for a mortgage lender Nexa MORTGAGE, and her and her husband XXXX XXXX the realtor deceived me by saying that they cut back on their commission and that I would have to pay her and her husband {$1600.00} before I could go to the lawyers office Tuesday morning the date was XX/XX/21. She threatened me saying that if I didn't pay her and husband the {$1600.00} dollars for their commission, I would not be able to sign that day. Also she said she would just add her commission back on their and I would not have any funds.. Then she forced me to sending a text saying that it was a gift, before I could go sign. I have text messages from XXXX showing this. I was so scared that I went ahead and did what they had asked because I wanted my house and plus I had already gotten a XXXX  to move all my belongings. Im a first time home buyer and they new I didn't have any knowledge about buying a home. But when I got to the lawyer office and he went over my paper work, he informed me that the seller pays the commission. XXXX and her husband XXXX XXXX is a bad mortgage officer and realtor. They are very deceiving.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I closed account due to customer service and was told my balance would be transferred to the funding source on account my other bank and I never received it all the money I have also i cant get a response no contact I would like for the money to be immediately transferred to my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: CORELOGIC INC
State: TX

Complaint narrative:
I was in the process of applying for a mortgage refi and I was on the last day for additional inquiries not to impact my score ( XX/XX/2021 ). I authorized Credco to perform a hard inquiry on this day but then there is another inquiry on XX/XX/2021. I would like the additional inquiry removed with all 3 bureaus as it has adversely affected my score

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 2021-07-22 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: NJ

Complaint narrative:
there was a credit card in the amount of XXXX $ opened in my name with out my knowledge i disputed that as fraud i provided them with a police report iA FTC REPORT in the lest year they still refuse to remove it without any evidence they are keeping it on the report i provided a latter from the company in which the company states that the account is fraud

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 2021-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my 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 2021-07-22 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: GA

Complaint narrative:
Equifax has been unlawfully furnishing information on my report. I've reached out on three separate occasions. I have included both my driver 's license and a utility bill to verify personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my business partner and I called to redeem the points as advised by the American Express team in order to transfer the primary card user to me. Once we got a hold of the membership rewards team to complete the task as advised we were told we were unable to as the point were under review and we should have got correspondence. I asked when did it go under review and it was that same day when we tried to redeem. We have been cardholders since 2016 and pay all the bills on time. We operate an e-commerce company and have built our accounts and points. Since we didn't want to lose all the hard work points we earned we decided to transfer. We have been nothing but loyal to Amex and don't understand why they decided to make things difficult to simply use the points we earned fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Yesterday after 4 months XXXX issued a refund. And now it is gone cause my account to appear negative it should be over by almost {$40.00} last night I made deposits. This frequently happens with this bank to collect over draft fees of {$36.00}.

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 2021-07-22 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIMOF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: MD

Complaint narrative:
During the time period about May 1-5, 2021, Transunion received, approved for posting, and did post a large number of derogatory credit reports from an outfit that styles itself XXXX XXXX XXXX XXXX XXXX XXXX, including a derogatory posting to my credit report. On information and belief, this data dump is comprised entirely of fraudulent postings and/or illegal debt parking of transactions that are barred by the Fair Credit Reporting Act from collections. 

Transunion was twice informed in my particular case that the posting was erroneous, and Transunion affirmatively declined to take mitigating action. 
An XXXX search reveals hundreds of other identical complaints in the same time frame. 

It may be significant that other credit reporting agencies did not post reports from XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX claims an office address XXXX California XXXX XXXX, XXXX CA XXXX. This appears to be a mail drop. A business entity search with the California Department of State indicates XXXX XXXX XXXX XXXX XXXX does not operate lawfully in California as a domestic or foreign corporation, nor has California statute regarding registered agent for service been obeyed. Similarly, XXXX XXXX XXXX is not authorized to undertake collections activity in the state of my residence, Maryland. 

I believe that the overarching purpose of these activities is to effect a conspiracy of extortion, wire fraud, and deriving from those felonies, racketeering in violation of federal and state laws. 

It is believed that the stealth described herein is in furtherance of racketeering activity by Transunion and " 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 explanation
Consumer complaint received 2021-07-22 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: NY

Complaint narrative:
First of all, why is there no option for complaining about the actual credit reporting agencies themselves? THEY ARE THE PROBLEM!!!!! 

The idea that they use some consistent scoring system is absolute nonsense. There is zero consistency. One agency has a score over 50 points lower than the other, even though they're dealing with the exact same information. Unacceptable. XXXX XXXX? It's a joke, or, maybe the people utilizing it don't understand it enough. If this were a math class, they would fail ... 

I want to see the ability for consumers to file disputes with the actual ranking system itself, and the results, for each of the reporting agencies, and further, these disputes should also be part of the report. At this time, there is literally no means at all, for any of them, to file a simple dispute as to the determination, and that's absurd. There should be, and they should be required to respond to these disputes immediately ; not in two weeks, or a month, or whenever they feel like it. Immediately. They made the determination, and they should be able to answer for it on the spot, like any other responsibility. 

I'll say this again : if they can't perform their function consistently and evenly, they are a detriment, and we do not need them. Do your job, and get them in line, or shut them down.

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 2021-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I provided the company a new address and sent them an email over 2 weeks ago stating that I am in an MST zone, however they still continue to contact me outside of the guidelines. I just received a call at 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 2021-07-22 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: MD

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately and updated or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: FL

Complaint narrative:
Please reference complaint # XXXX I complained about this item reporting on my credit. Company stated it was not showing on report any more and they would send me a credit report showing that. However, its still showing the child support item on my Experian account online eventhough Experian stated its not on my credit help me please 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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
Our loan officer has been very hard to work with for us personally and our realtor. She does a terrible job of checking emails so every time we email her, we have to start a new thread otherwise she claims she never received it. She also has asked for the same documents repeatedly saying they are not to her satisfaction. Our employer has also complained about how many times they have been contacted to verify the same information. We had an issue with an inspection and the seller agreed to pay the contractor directly to fix the problem and said they could issue the check at close. Our realtor checked with our loan officer and she said that was acceptable. On closing day, two weeks later, she comes back and tells us we can not have a credit issued at close since they did not order the inspection. The inspection was a part of our purchase contract, as was the seller agreeing to fix the issue. It has been an overall headache and i feel like this loan officer and her underwriting team have made it even more difficult. They lack communication amongst themselves and with their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: NCB Management Services Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIMOF FRAUD I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My Venmo account has been in collections and was added to my chapter XXXX bankruptcy. I continue to receive emails from Venmo asking for it to be paid. I also received a payment on XX/XX/XXXX for {$100.00}. Venmo applied this amount to my previous balance. I had the sender contact Venmo, but they would not return the money. I contacted Venmo myself on XX/XX/XXXX and XX/XX/XXXX and they would not return the money to the sender. I informed them of the open bankruptcy and asked to speak to the legal department, but they would not accept my request. Their reasoning was because the account was indebted, there is nothing they can do. They offered a one time reversal to the sender, but then back tracked and gave the same reasoning of why they could not return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LendKey Technologies, Inc.
State: NJ

Complaint narrative:
I was the co-signer on a loan student loan for my sister with Lend Key and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transunion and their accomplice XXXX XXXX  have zero regard for the law contained in the fcra. 
the accompanying attachments fully explain the uncontrovertible, unconscionable regard for damage inflicted time and again with more than 15 verified disputes on the attached account. 
the account is fraudulent. 
the account is duplicated with two different account numbers. 
the account has been disputed 15 times and never certified. 
the account has no regard for accuracy. 
the balance unpaid was created by the creditor ... see balance history, it is not factual or accurate or even possible to occur as reported ... it is impossible for the reported balances to happen the way the bank states in any case..it is more than likely computer or operator error. 
no one has looked at the obvious face of the record in 15 disputes. 
it seems as if there is no way this false reporting could hurt me more ... as a single not duplicated item its a loss of creditworthiness in the realm of 40 fico points but transunion has decided to publish the same account with two different account numbers and two different payment histories and all other info the same amounts, dates of opening etcetera to damage me more severely so that i not just have one serious derogatory but two of them on an otherwise perfect 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 2021-07-22 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:
I submitted a complaint to XXXX XXXX XXXX on XX/XX/30 certified receipt. It was received XXXX It wasnt my account XXXX  and XXXX  deleted account. However, equifax is still reporting not to mention no notice of dispute was documented Im requesting removal of account from my equifax report

Company response to consumer: Closed with explanation