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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
On XX/XX/XXXX, I notified Experian that the XXXX of XXXX XXXX XXXX XXXX loan account that had delinquency reported had met the 7 year purge timeframe and requested to have the account removed from by credit bureau report as XXXX and XXXX had already done so. 

Experian opened an investigation and closed their investigation on XX/XX/XXXX, but instead of removing the account, they adjusted moved a late payment to shower closer, which caused my XXXX XXXX to drop 30+ points by their records. 

Not only did they damage my credit further, they refused to follow Regulation V ( FCRA ) requirements and remove the account from reporting. 

I contacted XXXX of XXXX XXXX, via XXXX on XX/XX/XXXX and they confirmed the first date of delinquency was on XX/XX/XXXX and that they have not reported the account to any credit bureau since XX/XX/XXXX. 

Experian is intentionally harming my credit bureaus and intentionally not removing an account that qualifies to be removed as it is not related to a bankruptcy and it has met the 7 year requirement for purge timeframe. Please correct this issue. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have UNAUTHORIZED inquiries in my credit report that must be removed.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX OF XXXX {$430.00} XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$2900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$3600.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$580.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX Original creditor : XXXX BANK {$780.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX 
{$3600.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  {$11000.00} XXXX {$2100.00} XXXX {$96000.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$4900.00} XXXX XXXX {$6200.00} XXXX {$800.00} XXXX XXXX  XXXX XXXX {$30000.00} XXXXXXXX XXXX  {$6200.00} XXXX XXXX  XXXX XXXX {$24000.00} Please be advised I have requested ''validation '' not verification of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX of XXXX I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this bureau this account as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
I was told I could remove mortgage insurance from Caliber Home Loans on my property at XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX  XXXX after having met the following criteria : - Your loan to value ratio must not exceed 80 %. 
- Your loan must have no significant recent delinquency - Occupancy requirements have been met After meeting the above requirements, I applied to remove PMI on XX/XX/XXXX and paid the requested {$150.00} fee. The mortgage company cashed my check on XX/XX/XXXX, then sent me a letter on XX/XX/XXXX stating they were unable to approve my request to remove PMI due to not having paid the {$150.00} fee. I have since been on the phone several times without success in reaching anyone who is able to assist me. Instead I am transferred from one person to the next for over 2 hours on 3 different days and 3 different attempts. 

My loan to value ratio is well under 80 %. My current remaining balance is {$190000.00}. The most recent similar homes have sold as follows : - XX/XX/XXXX {$450000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX {$360000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX {$280000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX {$290000.00} ; XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX XXXX However, Caliber mortgage company has also listed on my account online : " Currently your LTV is 80.76 % ''. I'm not sure how they came up with this number. There is no data to support it. And they never informed me of this belief in a letter following my request for PMI removal. In addition, the highest LTV I calculate based upon the REAL data is 69.62 %. Given these properties I listed that have sold in the same building as my property, I am not sure how anyone can argue this number. 

It is also worth noting that I had my loan in forbearance due to the COVID 19 pandemic and was not able to make payments for several months. I have since resumed payments. Mortgage payments missed or underpaid as part of a deferral or forbearance arrangement are not technically delinquencies according to the Coronavirus Relief, and Economic Security Act ( CARES Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I need a response from my mortgage servicer ( NewRez ) regarding an error on a recent mortgage statement and payment of myXX/XX/2021 Property Taxes. 

I mailed an original copy of myXX/XX/2021 Property Tax Notice to NewRez onXX/XX/2021.NewRez is to pay the taxes from my Escrow Account. See the attached copy of this XX/XX/2021 Property Tax and Notice and a screenshot from the USPS website which shows NewRez received and signed for this notice on XX/XX/2021. 


Im asking that NewRez answer questions 1 and 2 below 1.Does NewRez have the XX/XX/2021 Property Tax Notice which was sent by me through USPS and when do they intend to pay the property taxes due from my escrow account in the amount of {$2200.00}. 


2.Why did I receive a statement dated XX/XX/2021 with a Payment Due Date of XX/XX/2021 with a Payment Amount of {$0.00}? Why does this statement show a Payment Amount of {$0.00}. 


I have included two attachments. One attachment contains both the 2021 Property Taxes due to be paid by NewRes and my. XX/XX/2021 statement. The other attachment contains a screenshot of the confirmation of delivery to NewRez of my XX/XX/2021Property Tax Notice.

Company public response: Company believes complaint is the result of an isolated error
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: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AR

Complaint narrative:
i am trying to verify all money transfers in my name from XX/XX/2004 til now. INCLUDING XXXX XXXX ITEMS SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like XXXX being taken advantaged of and being ignored. Section XXXX ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.

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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing the response on my Kohls Case : XXXX CFPB Case No. : XXXX. 

Kohls responded stating that they verified that all of the personal information they have corresponds to me but the enclosed copies of the billing statements aren't even my name. The statements are addressed to " XXXX XXXX '' my name is XXXX XXXX and that is not my correct address.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH

Complaint narrative:
I am writing today to explain my current financial situation. Unfortunately for several years, I was not handling my own finances. My husband took over total control of the finances and became XXXX and XXXX XXXX along with having XXXX XXXX. On his third attempt, he committed XXXX on XX/XX/2021 and I am now able to handle the rebuilding of my finances. Along with my social security of {$2300.00} I am working full time earning approximately {$2300.00} per month at XXXX XXXX. This would adjust to {$55000.00} per year. I am also receiving XXXX  income totaling {$30000.00} per year a for a total income of approximately {$85000.00}. I would like to propose a trail payment plan of a direct withdrawal of my monthly mortgage payment from my checking account for the next 6 months. If income and on time payments continue then be reconsidered and continue with the direct withdrawal process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX  XXXX XXXX called me numerous times and demanded I pay XXXX to their collections for a Chase Bank account. Placed for collection on XX/XX/XXXX. I never opened a Chase account and I filed bankruptcy in XXXX. I notified XXXX but they said they investigated and said the disputed item was accurate. It is not.I want this removed immediately from my credit report. I also reported this to my local police department and they gave me a report number. They will also look into it for me. I hope someone can help me with this fraudulent activity. I will not call this company because I have anxiety plus other health issues and dont want to end up in the hospital from stress. I never even received any letters or statements from this company showing I owe Chase bank and what its for. There are scammers out there looking to take peoples money but I dont have any money to give. Im going through a financial hardship as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My fianc and I called XXXX XXXX ( XXXX ) to recover an old account that we couldnt access due to not having access to the old number and email attached to the account. They then stated that there is another way to recover the account and asked for remote access to both of our phones, accessed both of our XXXX XXXX, My Bitcoin through XXXX XXXX, and My XXXX Account. They took about {$600.00} of my fiancs money through XXXX XXXX and Bitcoin. And then took about {$1000.00} from my XXXX Account through 2 transactions. One for {$600.00} and one for {$400.00}. They also called back on a few numbers. Before we knew for sure that it was a scam, it was too late and they had our money. I even contacted XXXX XXXX through my computer during the call to ask about the legitimacy of this number and verification process and they didnt seem too concerned at the time. It was early on in the call before the larger amount was taken. We eventually hung up and called back and were informed that it was a scam. They then said we needed to purchase a card at XXXX to return our money but we did not and hung up. I immediately contacted my bank and filed a claim which was denied. Ive been messaging them for weeks trying to get them to re open the case. Chase Bank wont help me because it was done through remote access and XXXX and they dont see anything by looks fraudulent on their end. And the true XXXX XXXX can not help due to the scam and transactions not being made through XXXX XXXX  in any way. I am now behind on multiple bills, no groceries for my toddler and {$11.00} to my name and Im running out of options on getting this resolved and my money recovered. Please let me know if there is any other information I can provide to work towards resolving this.

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 — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX AND EQUIFAX ARE REPORTING A DEROGATORY ACCOUT ON MY CREDIT FILE FOR {$2100.00} DOLLARS, WITH NO INFORMATION ON HOW TO REACH THE COMPANY THAT PUT IT THERE. I HAVE A RIGHT TO KNOW, OR IT SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: MD

Complaint narrative:
I call them XX/XX/2021 and they giving me a hard time. I requested a dispute and one of the supervisor ( XXXX XXXX ) giving me a false information and changing a subject. 
I tried to talk to his/her supervisor and didn't cooperate with me and hangs up the phone.

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: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # :XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Ally Financial Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I called into DEPT OF ED/NAVIENT in regards to 2 alleged accounts reporting on my XXXX and XXXX consumer reports. 

DEPT OF ED/NAVIENT has no record of the accounts, no original agreement, no documentary evidence of indebtedness, yet still continues to report these fraudulent accounts. 

I demand that DEPT OF ED/NAVIENT cease reporting this inaccurate, unverifiable, and incomplete information. I demand that DEPT OF ED/NAVIENT request to have both of these accounts and all remarks removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I bought a XXXX  XXXX XXXX with my XXXX credit card thru Syncony  bank and I never received the item made multiple disputes with XXXX and XXXX even sent me a email stating for item not received and its still not removing the purchase!

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 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 — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
thes accounts are not mine. please remove it. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

3. Identity Theft THD/CBNA Account Number : XXXX This is not mine. 

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

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

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

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

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

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation