vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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: IL

Complaint narrative:
This problem is the same issue I had with XXXX bank XXXX. Please reference my previous complaint. I made a transfer from my XXXX Bank checking account to my XXXX mortgage online prior to the days cutoff. The transfer was made on XX/XX/XXXX around XXXX PM. This is before their transfer cutoff time and during normal business hours of branch operation. The next morning I checked and the payment was still in a pending status. This must have been due to an issue with their online banking. The transfer was kept in a pending status until XX/XX/XXXX. Instead of posting the payment on the XXXX they posted it on the XXXX even though I made the payment on the XXXX. They then reported me over 30 days late to the credit bureaus. This is a regulatory violation and they must post the payment on the date they received it even if it takes them longer to process it. They need to remove the 30 day delinquency from all XXXX major credit bureaus. Again, this is the SAME problem that I filed in XXXX and you can see it in my dispute history.

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 2020-05-13 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
complaint XXXX was filed. Commenity Bank corrected the issue. 
However, the reporting to the credit bureau was not corrected. They brought my credit score down by 50 points. I called the company twice to correct and as of today, nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I XXXX XXXX have requested on three different occasions to obtain a free annual credit report to XXXX  and Equifax. I have received my XXXX XXXX report, but I don't know the reasons why the other bureaus are being held up. Please help as I really want my free annual credit report from each bureau. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX  has been reporting credit debts on my credit report for years. These cards did not and do not belong to me. We have talked with USAA, the company in which the cards were issued from. USAA has contacted the credit Bureau explaining the situation and has requested for these cards to be removed. I have filed several disputes over the years to have these reports removed and XXXX  still has not removed them. Please check the date 's and information on attachments to see the amounts and date for BOTH credit cards from USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file ( files received from XXXX ). I have circled the items I dispute on the attached copy of the report I received. 

This item disputed is inaccurate because I have documentations of a reported phone call to Ditech in XXXX ( before the bankruptcy and closing of the company which occurred XX/XX/XXXX ) attempting to make payment. In reported phone conversation we had spoken on how our payment was not being accepted through our normal transfer. They then confidently proceeded to insist that they could no longer take our payments and we had to wait until the arrival of our new company by mail to pay for our current bill. With being falsely informed of this, they reported no contact from us and credited us for a 30 day late payment. In attached file it explains that we were not only credited once for a late 30 day payment but also on the following month. We had then contacted both Ditech ( who we were no longer in business with ) and XXXX ( our new provider as of XXXX ). XXXX had no documentation of a late payment and also included their policy of transferring to their business that they were not allowed to credit any late payments the first 60 days to comply to our adjustment of a new company. Ditech was not as compliant and due to their business being shut down, we are not able to reach any provider. Being wrongfully document for a late payment we did everything to have the Ditech resolve the issue but because they cant comply we had to further our complaint. I am requesting that the item be removed to correct the information. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Quicken Loans, aka Rocket Mortgage refuses to follow the new law " Blue Water Navy Vietnam Veterans Act of 2019 '' They are requiring a 10 % down payment from us to approve our mortgage application for a home in XXXX XXXX, CA. The county conforming loan limit is {$510000.00}. They say we can not get a XXXX down VA mortgage above this limit. They stated that we must pay 10 % down payment on a VA loan if it is above that limit. We brought this law to their attention and they refuse to honor and follow the law. 

Because of the Blue Water Navy Vietnam Veterans Act of 2019, VA borrowers can add the ability to purchase above the county loan limit without needing a down payment. Starting XX/XX/XXXX, veterans with full VA loan entitlement can now borrow the full loan amount without needing to factor in a down payment. ( please note, this is not just for " Navy Vietnam Veterans ''. The act is for ALL veterans ). 

Reference is here from the VA : https : //www.benefits.va.gov/homeloans/documents/docs/bwn_faq.pdf. We draw your attention to the last bullet statement in the first FAQ that states : " A removal of the effective loan limits for VA-guaranteed loans, closed on or after XX/XX/XXXX. This may be especially of interest to Veterans seeking to obtain what are commonly referred to as jumbo loans, or to Veterans living in higher-cost markets, as VA borrowers with full-entitlement may now obtain no-down payment VA guaranteed home loans in all areas of the country, regardless of housing prices. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: EMCC Holdings, LLC
State: AR

Complaint narrative:
The company posted late payments on my account incorrectly. Some were made before XXXX on the weekend and they didn't post until the next business day. The company also did a credit check without my authorization. I already had an account with them and I was not seeking additional funds. I don't understand why they did a cred check. Some of the their customers service representatives are very rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CUSTOMERS BANCORP, INC
State: NY

Complaint narrative:
I applied for, and was approved for a PPP loan. I have signed the promissory note. I have not received the disbursed funds, which as far as I understand, constitutes bank fraud. 

The bank in question ( Customers Bank ) offers no way to contact them, other than a webform, which I submitted a week ago and I have not gotten a response. Their phone systems only allow a voicemail to be completed.

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 2020-05-13 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: IL

Complaint narrative:
Proof that if my balances decrease or if I do not have an account on my record Trans Union works against the customers and show incorrect information. That is fraud and illegally playing with our integrity credit finances ss numbers. I feel violated of my rights with this company especially since it cost me a job in the past. I do not care how they calculate and what government owns what! They need to remove this asap and I mean asap! Or I will sue them. Oh they are in cahoots with the judges in Illinois good we have another place of residence and can sue them there -

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 2020-05-13 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:
Equifax has been reporting credit debts on my credit report for years. These cards did not and do not belong to me. We have talked with XXXX, the company in which the cards were issued from. XXXX has contacted the credit Bureau explaining the situation and has requested for these cards to be removed. I have filed several disputes over the years to have these reports removed and Equifax still has not removed them. Please check the date 's and information on attachments to see the amounts and date for BOTH credit cards from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XX/XX/XXXX, my loan was discharged under proven XXXX as submitted and accepted from my XXXX. In XX/XX/XXXX, Social Security returned a favorable decision in the court in XXXX, VA, backdated to XXXX XXXX when application was first submitted. Ongoing communication with the servicer XXXX has proved futile to correct my credit reporting as a severe derogatory item 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 2020-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My loan was sold to Shellpointe Lending and then they sent it to NewRez. They have increased my mortgage payment either for outstanding property tax due ; even though I am 100 % exempt from property tax. They have increased my mortgage payment for increases in my homeowners insurance ; even though the insurance was significantly decreased, not increased. In both cases they would not return the funds ; stating that they had been paid to either the county or the insurance company and they would have to do so. When I check with both entities they said that they had not submitted requests for payment and didnt owe anything. This is predatory and very poor customer service!

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 2020-05-13 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: VA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: ID

Complaint narrative:
I submitted a dispute with Equifax regarding an unauthorized hard pull by XXXX XXXX XXXX. XXXX sent me a email stating the their report was in error, and that a revision was submitted to Equifax to remove the item from my report. I called Equifax 800 number to proof repair was completed. I spoke to XXXX, she suggested I wait until it drops off my report, I asked to escalate the call, next I spoke to XXXX, who also suggested I wait until the item dropped off my report, also suggested I call XXXX yet again to resolve the problem. I asked to be escataled again, this time I talked to XXXX. XXXX started off listening, but soon was asking me to again call XXXX and get them to submit the repair. As I was talking, XXXX hung up the phone Total time of call aprox, 1 hour 14 minutes. IF this call is reflective of Equifax normal comsumer interactions, they should be sanctioned

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: ID Analytics, Inc.
State: IA

Complaint narrative:
I applied for an auto loan. My info was sent to a lender who pulled my credit. They then pulled credit from a company called SageStream and my score was 200 points lower. I see many complaints online regarding this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I did not receive Citibank promotional bonus {$700.00} at XX/XX/XXXX, however I confirmed with Citibank 3 times that all the requirements and criteria were met, and I was assured by Citibank 3 times that they would credit me {$700.00} around the beginning of XXXX. 

Detail timeline and actions : 1. At XX/XX/XXXX, I opened Citibank Priority Package with the promotional bonus {$700.00} upon meeting all the requirements. ( attached promotional web page screenshot - " promtionx '' ) 2. At XX/XX/XXXX, I checked the Citibank agent about the status of the bonus and the agent confirmed I had met all requirements and {$700.00} would be credited at XX/XX/XXXX. (  attached the chat screenshot - " XXXX '' ) ** XXXX at XXXX, XX/XX/XXXX : I see here that you made the required deposit amount on XX/XX/XXXX and maintained it for 60 days from the date of the deposit which was until XX/XX/XXXX. It states here that the cash bonus will be credited within 90 calendar days from the date that you completed the 60 days requirement to maintain the deposit. It should be credited on XXXX XXXX. " ** 3. At XX/XX/XXXX, Citibank agent reconfirmed all requirements were met to receive the bonus and I would receive the bonus at XX/XX/XXXX ( attached the chat screenshot - " XXXX '' ). 

** '' XXXX at XXXX, XX/XX/XXXX : I review this for you and see that the account did met the requirement should be credited to the account on or before XXXX XXXX '' ** 4. At XX/XX/XXXX, I contacted Citibank agent again since I did not receive the bonus at that date. Citibank agent again confirmed I met all criteria and asked me to wait till XXXX XXXX XXXX ( attached the chat screenshot - " XXXX '' ). 

** '' XXXX at XXXX, XX/XX/XXXX : I see that you have opened your account on XX/XX/XXXX 1. You have deposited the fund before 30 days that is on XX/XX/XXXX 2. You have maintained the balance for 60 days which is till XX/XX/XXXX I see that you have fulfilled all your criterias on XX/XX/XXXX Usually it takes 90 days to get credited in your account after meeting all the requirements which is XX/XX/XXXX. 

Your patience will be appreciated. 

I'm sorry if you have been provided any incorrect information earlier. 

Sincere apologies. " ** 5. At XX/XX/XXXX, a dispute about bonus was filed to Citibank. At XX/XX/XXXX, the dispute result concluded I was not qualified for the promotional bonus ( attached the dispute result letter - " document '' ). 

It was not acceptable to me that Citibank confirmed yes several times at first but did not honor it in the last.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 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: GA

Complaint narrative:
I have sent all required information into all 3 credit reporting agencies ... .XXXX is the only bureau that followed Section 605B of the FCRA ... ... EXPERAIN IS STILL REPORTING 2 FRAUDULENT ACCOUNTS : XXXX, XXXX # XXXX {$2300.00} XXXX XXXX ( XXXX ) # XXXX {$840.00} AND 2 INQUIRIES : XXXX XX/XX/2019 AND XXXX XXXX XX/XX/2019 XXXX   CONTINUES TO REPORT 1 FRAUDLENT ACCOUNT : 11 XXXX ( XXXX ) # XXXX {$2300.00} notice how 2 of the accounts have the same account number but different creditor names ... .these accounts are fraudulent ... ..I will attach the original ID THEFT AFFIDAVIT that was submitted and the 3 report comparison and you can see the major discrepancies ....

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 2020-05-13 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: Rocket Mortgage, LLC
State: NV

Complaint narrative:
On XX/XX/2020, I received a voicemail from Quicken loans @ XXXX XXXX. Stating my account needed an upgrade. I called back the number XXXX and the number went to a generic voicemail. I then called Quicken loans directly because I have my home loan with them and was concerned something was wrong with my home loan. I was transferred to a woman named XXXX who requested confirmation I was the individual calling and she preceded to update my personal information. We discussed refinancing and I specifically told her NOT to run my credit that I was going to go to my local credit union and discuss rates within with them in the next two weeks. I hung up. A few minutes later I received a email stating my credit report was run. I contacted Quicken Loans dispute center and explained I absolutely did not give my permission to run my credit. The complaint department, spokesperson XXXX stated because I gave her my ssn that implied I gave consent. I gave my ssn because she requested it to verify it was me and stated she needed to update my information. I am almost XXXX years old, working full-time and caring for my XXXX husband. I depend on maintaining a good credit score in the event of needing credit. This has caused my credit score to go down. They never had my consent to run my credit score. They will not remove the hard inquiry. It stays on my account for 2 years. I have no other choice but to bring the complaint against them now with consumer finance.

They totally duped me from the first call under the pretense that I was missing information and then ran my credit score without my permission hurting my credit score. Please help me.

Company response to consumer: Closed with explanation