vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a request for validation on a few accounts being listed on my credit report from the bureaus and have not received a single response. All I want is to confirm these accounts have been fully verified and the method of verification to ensure these are my accounts.

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 2021-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a request for validation on a few accounts being listed on my credit report from the bureaus and have not received a single response. All I want is to confirm these accounts have been fully verified and the method of verification to ensure these are my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Monday, XX/XX/XXXX, I deposited a check at the local Huntington bank branch for {$2900.00}. I asked the bank how long it would take the check to clear and the bank advised it takes about 2-3 days for a check to clear. 
On the morning of XX/XX/XXXX ( Wednesday ), I called the local bank branch where I deposited the check to confirm that the check has cleared. The bank branch transferred me to the banks customer service and a customer service agent confirmed the check cleared and the money could be used. After this confirmation, I used the money for the intended purpose. 
On Thursday, XX/XX/XXXX, I found out that the check has returned because of insufficient funds. 
I went to the bank to understand why this happened after their customer service representative ( CSR ) confirmed that the check has cleared. They kept on saying that the check returned due to insufficient funds and they can not do anything. They also said that since the CSR told me the check cleared I should talk to them to find out what happened and resolve it through them. 
I called Huntingtons Customer Service on the morning of Friday, XX/XX/XXXX, and talked to a CSR first and then to a manager. I explained the whole situation to them and asked for an explanation and resolution of this issue. I wanted to understand why the check returned after the CSR said the check has cleared. The manager could not provide a clear explanation as to why this happened. He said that the CSR may not have the recent most information and that the information from their check clearing ( returned check ) department may not have been available to the CSR. He said that they will take this feedback to improve their system to prevent this but unfortunately can not pay me the lost money. 
I lost my money due to the wrong information provided by the CSR and now Huntington Bank is not ready to take responsibility for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
i have disputed with Experian several times by mail and online i have even called Experian XXXXThey are reporting a public record chapter XXXX bankruprtcy on my report they said they verified through XXXX XXXX  i have my XXXX XXXX report and its not on there at all so that means Experian is false reporting and i want it removed. I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.

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 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc.
State: TX

Complaint narrative:
Creditor Information SUMMIT ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Never received any documentation in this debt. This debt continues to be unvalidated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: GUARANTEED RATE INC.
State: FL

Complaint narrative:
I received a letter of denial from Guaranteed Rate Affinity. In the letter it reads. Disclosure of use of information obtained from an outside source. 

The outside reporting agency is. XXXX XXXX XXXX. This agency listed my credit worthy from XXXX, XXXX and XXXX. 

It states under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Derogatory public record or collection filed, length of time since derogatory public record. collections too short. 

I contacted XXXX and I was told to contact XXXX, XXXX and XXXX. Non of what XXXX report to Guaranteed Rate Affinity is true. I received copies of my credit report and none of what XXXX reported is on my credit report with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CL Holdings LLC
State: WA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: AL

Complaint narrative:
i have disputed with TransUnion several times by mail and online i have even called TransUnion .They are reporting a public record chapter XXXX bankruprtcy on my report they said they verified through XXXX XXXX i have my XXXX XXXX report and its not on there at all so that means TransUnion is false reporting and i want it removed. I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.

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 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I hereby formally request an appeal to XXXX XXXX, My current Mortgage lender, about the decision to not granted the removal of the PMI from my Loan Mortgage and reconsider approve the removal of the PMI from my Loan Mortgage based on the following factors : 1. The original loan amount of the Mortgage was {$390000.00} 2. The current balance of my loan as of today XXXX XX/XX/XXXX is {$380000.00} 3. The appraisal made to my property on XXXX XXXX by XXXX XXXX at my request was estimated at {$480000.00}. 
4. Putting the current value of my home in perspective with my current loan balance results in an increase of 21 % = {$98000.00} of equity build on my property, which makes my Mortgage loan qualify for the PMI removal currently imposed on my loan. The Federal Homeowners Protection Act gives Homeowners the right to remove PMI from your home loan in two ways. 
you can request the removal of PMI when you reach 80 percent home equity ( which is my exactly my case, or You can get automatic or final PMI termination at specific home equity milestones. 
5. Another two point in my favor is that my mortgage payments are made on time automatically, taking the payments from my checking account at the P.F.C.U. It is my intention to keep it that way during the life of the loan. 
6. Finally, another point of great importance that is worth highlighting is my job stability and service record of 32 years civil services as a federal employee working for the Department of the Defense and with an impeccable record of credit history of 32 years without reflecting any late payment. 

Pentagon Federal Credit Union is the financial institution that currently servicing my loan, I sent numerous email to them ( PMI Mortgage Department ), asking them via email need to speak with a Loan Manager and they never pass me to no ones. All the communication from XX/XX/XXXX until now has been via email ). They said that they speak with the consumer. 

In the hope that the information provided will help you reconsider your decision to now approve the removal of the PMI from my current Loan Mortgage. 
I remain with you very kindly, Mr. XXXX XXXX XXXX email : 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 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Affirm inc account # XXXX Affirm in account # XXXX Affirm in is reporting information to my consumer report without permissible purpose. 
under 15 U.S code 1681b Permissible purposes of consumer reports. i never gave this company written permission to report anything on my consumer report no permission is identity theft. ive expressed to this company several times that this account should not be on my consumer report but they kept it on my profile anyway. Willingly after after i had sent them a certified letter with the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: WI

Complaint narrative:
RESPA SETTLEMENT PROCEDURES ACT Fairway independent mortgage company, XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX  all failed to disclose information on this property, seller 's failed to disclose home repair stating the property was fully renovated and was not, appraisal was fraudulent because the company that we were charged 3 times, closed in XXXX, seller 's owed property taxes in XXXX from XX/XX/XXXX until XX/XX/XXXX and their amount was to be made inform of a cashiers check on XX/XX/XXXX and County treasury office said a check in the amount {$1400.00} was sent in by corelogic escrow company and paid by XXXX XXXX XXXX, and all 5 played a roll in predatory lending, this home after having our home inspection done is not worth the said listing price of {$150000.00}. Sellers told XXXX XXXX XXXX XXXX  that the full renovation was done XX/XX/XXXX after they bought the home 2 months ago for {$35.00} or {$38000.00} without any documentation that shows and supports this. This is misrepresentation in real estate transactions and theft by fraud done by all parties that represented the sellers and Fairway independent mortgage company who failed to protect the borrower, they took advantage of a 1st time homebuyer of the XXXX race and placed a XXXX family in a unsafe and unhealthy home. And committed fraud and abuse of the federal housing administration fha program

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I have notified this company that this debt was due to fraudulent activity. I have sent in proof of documentation that my information was breached along with an Identity Theft Affidavit. I have also asked them to send me proof of a contractual obligation bearing my signature. I ask that they delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I completed on a house sale in the XXXX and my lawyers bank in the XXXX sent the proceeds to Citibank for credit to my account at XXXX ET when the XXXX was {$1.00} all day. Citibank failed to credit my account until the following day when the XXXX had collapsed t {$1.00} costing me over $ XXXX. They had my money in their account for over 24 hours before crediting to my account. I am asking they backdate the transfer and give me the previous days rate. Their inefficiency has left me materially out of pocket and they refuse to take responsibility despite acknowledging they had the funds all the time. Please tell me this can not be right or legal.

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 2021-09-28 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: Collection Bureau of America Ltd.
State: WA

Complaint narrative:
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CrossCheck, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I requested my annual free report to CrossCheck locate en XXXX, CA. This company answered me with a PERSONAL STATEMENT, which was written by XXXX XXXX, in which he stated that THERE WAS ANYTHING NEGATIVE IN MY REPORT. I responded to Mr. XXXX that I appreciated his PERSONAL OPINION, but I was requesting my report. Mr XXXX promised to send my report, but for my surprise, he sent THE SAME INFORMATION THAT HE HAD NOT FIND ANYTHING NEGATIVE IN MY REPORT. I Called again to CrossCheck, but now he hung up the phone or the secretary doesnt answer me the phone. I REQUEST MY REPORT. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I received a letter of denial from XXXX  XXXX XXXX. In the letter it reads. Disclosure of use of information obtained from an outside source. 

The outside reporting agency is. CBCInnovis Consumer Assistance. This agency listed my credit worthy from XXXX, XXXX and XXXX. 

It states under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Derogatory public record or collection filed, length of time since derogatory public record. collections too short. 

I contacted CBCInnovis and I was told to contact XXXX, XXXX and XXXX. Non of what CBCInnovis report to XXXX XXXX XXXX is true. I received copies of my credit report and none of what CBCInnovis reported is on my credit report with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a military veteran filing this complaint against Well Fargo Mortgage. I was impacted by the pandemic and could not keep up with my mortgage payments. I have never missed any payments on my mortgage until the pandemic. I entered into a forbearance agreement with Wells Fargo Mortgage 18 months ago. I have been in constant contact with Wells Fargo Mortgage during thee entire 18 month forbearance process. The last letter I received from Wells Fargo Mortgage was a letter dated XX/XX/2021 letting me know my payment suspension was coming to an end.at the end of XX/XX/2021. I reached out to Wells Fargo Mortgage on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. On XX/XX/2021 I made my intentions clear that I wanted the VA Disaster Extend option and would resume paying my mortgage XX/XX/2021. I received a call on XX/XX/2021 in the afternoon from " XXXX '' Wells Fargo Mortgage underwriter who was assigned to my case only a week ago. He stated that I had to pay a mortgage payment of {$1800.00} by XX/XX/2021 in order to qualify for the VA Disaster Extend and if I could not do that then I would have to go to the second option, VA Disaster Modification ( a bad deal ). Essentially they are forcing me to take a VA Disaster Modification, even though I qualified for the VA Disaster Extend ( good deal ). I was livid. They provided no written communication detailing this and never said a word of this with in any of the over 20 previous conversations I had with them. I believe what they are doing is criminal, incompentent, and wrong. Also their employees do not know what they are talking about and contradict each other. They need to be investigated.

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 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
When my ex-wife and I was married she put a lot of credit cards in my name would guess she was paying on them. When we divorced is when I learned I had all these cards in my name leaving behind all the payments. I would like to do a dispute on them. Also it looks as this account was opened longer then 7 years ago.

Company response to consumer: Closed with explanation