vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried calling Experian on the phone and uploading documents regarding my dispute for XXXX XXXX XXXX. I am unable to get someone on the phone or upload documents.

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 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Since XX/XX/XXXX I have been trying to get approval to Short sale my home as I can no longer afford Due to XXXX and XXXX  issues and I owe more than its worth due to the several modifications since XXXX. My original XX/XX/XXXX Interest Arm loan from XXXX was the reason for the XXXX Market crash. When I said I need to short sale, I was told I need to be denied a Modification before a Short sale is allowed. Bank of America and XXXX transfer back and worth thruout the years making even more difficult to fix issues. Especially when they transfer 1st loan only. So I now need to deal with 2 different Companies to get approved for Short sale. In the past BOA has delayed things on purpose and they are doing it again. It took them 6 weeks to approve my County Authorization to help me. They gave them the Application of Mortgage Assistance to complete and then a few days later Im notified that BOA is transferring to Shellpoint in 2 weeks and I have to wait till they have it to send the completed Request for Mortgage Assistance. I have witnesses from my County help of all this and the difficulty and ridiculousness of BOA. They are definitely NOT helping Homeowners. Only making it harder to resolve issues to make it right. I have attached proof that I have been trying to get Authorization for my County to speak to BOA since XX/XX/XXXX. BOA said my signature didnt match yet its the same on my ID. Also that I spoke with Mgr XXXX who never called me back

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 2021-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Client Services, Inc.
State: TX

Complaint narrative:
I have received several phone calls from this one company. Yesterday, they call my personal cell phone and today my home phone. When I returned the call, whomever answered identified themselves as client services. I asked the name of the company and was told the name of our company is client services. I realized this was the same person that contacted me the prior day, so I again asked what the nature of his call was. He asked if he could speak with XXXX XXXX. So, I asked if he was looked for XXXX or XXXX and again asked what the nature of his call was and asked him to identify himself and again state the name of his company. I was then informed that they will just move forward with legal action will see me in court. 

Client Services phone number is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
My mortgage was being serviced by XXXX XXXX XXXX  and it was sold to Select Portfolio Servicing effective XX/XX/2021. I received an email from XXXX regarding this but no other information was provided at that time. I received a letter stating the change from Select on XX/XX/2021 that they were going to be the provider and pay them effective XX/XX/2021. So I contacted them on XX/XX/XXXX to speak to someone about making the payment since I didn't want it to be late. I was the woman I spoke with that since my account information wasn't there, they could not accept any funds?? She told me to register on their website and to start that process. I told her I did and that she said allow it until XX/XX/2021 to show up in their system. 

I checked on XX/XX/2021 and still nothing was showing. On XX/XX/2021, it had showed up on their system so I registered to have my payment information saved. I then received a notice that I was ineligible for phone payments without a {$15.00} processing fee. I was also ineligible for online payments unless I would pay a {$15.00} processing fee as well. In this day and age, why can they not accept payments online without a fee?? 

I spoke with two reps at Select today who both told me that my account isn't 'boarded ' yet and that that will still take time? I was also advised that there is no credit reporting or late fees for the next 2 months while this is being handled and that I should have no concerns about waiting the time ( 60 days? ) to make payments??? I was also told if I mailed a check, it could take between mailing, receiving payment and their processing time, another 3 weeks to have the payment credited?? 

Again, how in this day is there so much delay with a supposed established company and that a quick XXXX search revealed that they have been listed as having many issues. And that with the age of internet and online banking, why so much delay and additional charges?? This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have called and talked to the customer service of Ally Financial ( auto financing ) more than 30 days ago about a fraudulent inquiry on my XXXX credit report they took all the information but never responded could you please assist in helping me remove this fraudulent unauthorized inquiry? the inquiry date was XX/XX/2020.

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 2021-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tried calling XXXX on the phone and uploading documents regarding my dispute for XXXX XXXX XXXX. I am unable to get someone on the phone or upload documents.

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 2021-10-12 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: NJ

Complaint narrative:
I have tried calling XXXX on the phone and uploading documents regarding my dispute for XXXX XXXX XXXX. I am unable to get someone on the phone or upload documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This is in regards to complaint # XXXX. The bank reached out and did some research and realized that they never had our loan endorsed by HUD. They sent a letter saying that it was never endorsed, and that they actually added {$13000.00} back in XXXX for our initial PMI downpayment. I followed up with Citizens and asked the questions below, but have not received a response, and they closed the complaint out. 

1 ) Are we going to be refunded for the monthly PMI that we paid as well? If the loan was never endorsed by HUD, why would we be paying monthly PMI payments to Citizens? Those payments are supposed to go to HUD for FHA backing, and if they are not going to HUD, why were we charged monthly for this? Ultimately, Citizens is still pocketing well over {$12000.00} from us from those monthly payments. Could we please get a full breakdown history on exactly how much we paid ( both up front and monthly, and a statement on how we can come to a resolution here? 

2 ) Why were we never notified about this refund back in XXXX? This is a pretty big error, and we were never notified about it at all. Also, since it was a pandemic and money was tight, it would have been nice to have an option to get that money back as a check rather than putting it towards the principal of the loan. If we never had to pay that to begin with, it would still be liquid for us during this time ( rather than on the back end of our loan ). 

I even told the Chairman 's Office that we did not want to be annoying and submit another complaint, but they closed the previous one out and have not responded. We would just like a true resolution here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. XXXX Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TX

Complaint narrative:
I am a consumer not a credit reporting agency. This credit reporting agency from XXXX think they can violate and terrorize consumers by violating their rights and carry out aggravated identity theft on a daily basis. I have fraudulants accounts and inquiries that have been dismissed and this company doesn't think the law applies to them.

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 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: MO

Complaint narrative:
They used my information without my permission years ago an I didn't know it, this wasn't on my credit when I signed up with XXXX a year ago. When I looked at the collection it said it was assigned to an attorney, collection agency, or credit grantor 's internal collection department in XX/XX/XXXX for XXXX XXXX which I never signed up for an if I'm not mistaken Timeshares cost way more than {$700.00}. This is suppose to come off XXXX XXXX, it seems their trying to get money from anyone before this falls off! 
THIS DEBT IS NOT MINE, this should be removed from my credit report. 
Please & thank you an have a blessed day.

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 2021-10-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The below accounts are being reported in error : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - {$210.00} Account # : XXXX XXXXI ( Original Creditor : XXXX XXXX ) - {$1700.00} Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - {$490.00} Account # : XXXX *XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - {$71.00} Account # : XXXX *XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX ) - {$920.00} Account # : XXXX *XXXXI - {$1700.00} Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The below accounts are being reported in error : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - {$210.00} Account # : XXXX *XXXX ( Original Creditor : XXXX XXXX ) - {$1700.00} Account # : XXXX *XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - {$490.00} Account # : XXXX *XXXX XXXX ( Original Creditor : XXXX  XXXX GROUP ) - {$71.00} Account XXXX XXXX XXXX *XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX ) - {$920.00} Account # : XXXX XXXXI - {$1700.00} Account # : 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 2021-10-12 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: AK

Complaint narrative:
Hello my name is XXXX XXXX. I have a issue with a hard inquiry on my credit report. I have contacted both Experian credit agency as well as XXXX XXXX XXXX. Neither of them can fix the issue and I have no further options. The issue is that Experian is showing a hard inquiry on my credit report and they are showing that XXXX XXXX XXXX are the ones that pulled my credit report. I have never had any business or accounts with them. I called Experian to get it removed and they told me I had to go through XXXX XXXX XXXX. So I call XXXX XXXX XXXX to get to the bottom of this and XXXX XXXX XXXX can not pull up anything on me, using every piece of information I could give them. I DO NOT EXIST To XXXX XXXX XXXX. I told them I needed them to contact Experian for me and have inquiry removed from my report. XXXX XXXX XXXX would have been happy to do so but told me they were unable to do so because they have nothing to start with to start any kind dispute for me. So I call Experian back and tell them XXXX XXXX XXXX has no information on me to even settle a dispute. I asked them to remove the inquiry from my report and they told me they cant do anything without a document from XXXX XXXX XXXX saying that they didnt pull my credit report and that it is a mistake. And XXXX XXXX XXXX cant send that document to Experian because they have absolutely no information on me to generate a report and document. So I am stuck with a phantom inquiry on my credit report that neither Experian or XXXX XXXX XXXX can explain to me. So please I need your help in contacting these companies on my behalf to get them to resolve this issue for me. 

The date of the inquiry was XX/XX/XXXX I have contact both Experian and XXXX XXXX XXXX on the telephone on todays date XX/XX/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 2021-10-12 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
This tradeline is being reported after I have disputed more than 90 day ago. Pursuant 15 U.S. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This account was open XX/XX/XXXX. I filled an FTC report on XX/XX/XXXX. Pursuant 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I am asserting my right against Kia Motors. This contract is fraudulent.

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 2021-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Hello my name is XXXX XXXX. I have a issue with a hard inquiry on my credit report. I have contacted both XXXX credit agency as well as Bank of America. Neither of them can fix the issue and I have no further options. The issue is that XXXX is showing a hard inquiry on my credit report and they are showing that Bank of America are the ones that pulled my credit report. I have never had any business or accounts with them. I called XXXX to get it removed and they told me I had to go through Bank of America. So I call Bank of America to get to the bottom of this and Bank of America can not pull up anything on me, using every piece of information I could give them. I DO NOT EXIST To Bank of America. I told them I needed them to contact XXXX for me and have inquiry removed from my report. Bank of America would have been happy to do so but told me they were unable to do so because they have nothing to start with to start any kind dispute for me. So I call XXXX back and tell them Bank of America has no information on me to even settle a dispute. I asked them to remove the inquiry from my report and they told me they cant do anything without a document from Bank of America saying that they didnt pull my credit report and that it is a mistake. And Bank of America cant send that document to XXXX because they have absolutely no information on me to generate a report and document. So I am stuck with a phantom inquiry on my credit report that neither XXXX or Bank of America can explain to me. So please I need your help in contacting these companies on my behalf to get them to resolve this issue for me. 

The date of the inquiry was XX/XX/XXXX I have contact both XXXX and Bank of America on the telephone on todays date XX/XX/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 2021-10-12 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Card opened in XX/XX/XXXX. I haven't ever received a statement from them to this day, and didn't receive my card until Months later. Didn't have online access because I didn't receive a statement/billing/card info. They stated I have a late payment marked for XX/XX/XXXX. I am not receiving statements, no online access, no communication AT ALL. They removed multiple late fees due to this internal error previously so if they can admit it was an error qnd remove the fee, why won't they remove the remark to the credit bureaus. As soon as they called me stating I was being sent to collections for a late payment I had no idea of, I paid the balance. I have received NO communication from them for late payments, no statements, calls nothing so I didn't know when my payment was due or what my balance was. I have asked for this to be removed from my credit report multiple times due to an internal issue on their end and even filed with my credit bureaus and provided all information from my account with them as well as screenshots from the online system I finally got access to end of XXXX XXXX from a helpful representative that finally wanted to assist. Today I spoke with a manager and they said they will not do anything at this time and to " wait for the letter '' ( that I'll never receive ) from the last dispute for removal even though I can clearly prove I'm not getting mail and have no access to see what they wrote. This has been going on since the day they called me in XXXX stating I was late. This is the only late mark on my credit report as I don't pay bills late and always try to pay early but without statements and access to what I owe and when it's due, How can a company expect someone to pay them appropriately. In the screenshot you can see all payments to prior to XX/XX/XXXX were made by phone and are on different dates because I didn't know when my bill was due nor did I have online access to see statements.

Company response to consumer: Closed with non-monetary relief