vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
The company is Quicken Loans. My loan officer was XXXX XXXX. 

On XX/XX/XXXX, After discussing my finances and income with XXXX, I was initially approved for a purchase amount of {$400000.00} and a mortgage amount of {$380000.00}. I received a pre-approval letter with these amounts listed on them, but the " finances and assets verification '' box was not checked off yet. When I inquired about this, XXXX told me all were approved, it was just a matter of getting the new document uploaded and that I was clear to make an offer on a home. 

I made the offer on a home that I liked, but thankfully ( now ) it was rejected. On XX/XX/XXXX I inquired about my finances and assets verification again and I was given the same story by XXXX, that they were backlogged and underwriting just hasn't uploaded my document yet, but he guaranteed all was verified and that I was approved for a mortgage of {$380000.00}. 

After never seeing an updated approval letter and not hearing from XXXX. I suspected something was wrong so I held back on making a second offer on the home. Saturday XXXX XXXX texted me and asked me to upload a dispute removal form to remove some negative marks to my credit. Then my mortgage amount was lowered to {$320000.00}. 

XXXX called me on Monday night XX/XX/XXXX at XXXX. He said we should have a meeting the next day to discuss options for my mortgage. We set a meeting for XXXX on XX/XX/XXXX. I received a text from XXXX at XXXX on XX/XX/XXXX saying he was no longer with Quicken and that a new officer would take over my account. 

On XX/XX/XXXX I called Quicken and XXXX XXXX was assigned to my account. After reviewing my account, he then lowered my mortgage amount to {$270000.00}. 

Now all of this doesn't necessarily sound like a " complaint '', just my inability to get a mortgage. I understand that. However, XXXX told me that XXXX XXXX was fired for making too many mistakes on customers applications, such as " inflated income amounts ''. Apparently, XXXX told underwriting that I made $ XXXX when I do not. This ordeal wasted 3 weeks of my time, the seller 's time and the agents ' time. It seems like loan officers are benefiting in inflating income amounts in a " shoot now ask questions later '' fashion, offering loans that people may not be able to handle ... as seen in XXXX. Quicken loans sales tactics are aggressive and based on false numbers and numerous credit checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Contacted Capital One Auto Financing about the loan on my vehicle because it is reporting closed on the credit report but I am still making payments on the vehicle. I am unable to log into the system to make payments and times I have called they said I did not have to make the payments if I did not want to. The customer service reps have told me that the account was a part of my bankruptcy and that the account was never re-affirmed by the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
disputed with the company twice the failed to investigate the stalled the process to investigate with original creditors on the validation of debt letter i sent to creditors the creditors also failed to validate said debt i owe. i disputed a third time with supporting documents on the validation letter sent the creditors are still reporting false debt on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open are open. lease remove these accounts from my report as soon as possible. They do not belong to me. XXXX {$470.00} XXXX XXXX XXXX XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: NY

Complaint narrative:
fraudulent incorrect account reporting on my Experian credit report, I am a victim of identity theft NOT A CREDIT REPAIR COMPANY that Experian accused me of.

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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted TransUnion and explained that these addresses are not mine and I have never lived here. Please delete these addresses from my credit report. 
The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX   XXXX XXXX XXXX XXXX, GA 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 2020-05-14 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$11000.00} XXXX XXXX  XXXX {$130000.00} XXXX XXXX  XXXX {$7500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX {$280000.00} XXXX XXXX {$1000.00} XXXX   XXXX {$3300.00} XXXX  XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX   XXXX {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$11000.00} XXXX XXXX XXXX {$130000.00} XXXX XXXX  XXXX {$7500.00XXXX XXXX  XXXX XXXX {$13000.00} XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX  XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXXXXXX {$930.00} XXXX XXXX  XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$140000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal  obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the  company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX  or have used this phone carrier. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: CA

Complaint narrative:
My drivers license is not suspended and I have a letter from the dmv saying its in good standind

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
disputed with the company twice the failed to investigate the stalled the process to investigate with original creditors on the validation of debt letter i sent to creditors the creditors also failed to validate said debt i owe. i disputed a third time with supporting documents on the validation letter sent the creditors are still reporting false debt on my credit profile

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 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
XX/XX/2020 I reached out to XXXX  in regards to a collection account reporting a {$0.00} balance, on a {$0.00} loan amount. All they stated was the account was verified. 

This account has not budged to be removed from my report, with XXXX being the original creditor. 

I reached out to XXXX, and they stated they couldn't help me because if there's an account reporting with Convergent Outsourcing, that means Convergent now owns the account. 

My issue with all of this is, WHAT ACCOUNT?! I've never been a XXXX customer. I asked XXXX for the information given to them to open the account, they stated Convergent would have to be the one to provide it to me.

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 2020-05-14 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open are open. lease remove these accounts from my report as soon as possible. They do not belong to me. XXXX {$470.00} XXXX XXXX XXXX XXXX {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open are open. lease remove these accounts from my report as soon as possible. They do not belong to me. XXXX {$470.00} XXXX XXXX XXXX XXXX {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$530.00} XXXX XXXX {$2600.00} XXXX   XXXX {$460.00} XXXX XXXX XXXX XXXX {$520.00} XXXX  XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NATIONAL CREDIT ADJU is a company that has recently been placed on my report, the information is inaccurate I have never done business with or XXXX XXXX which is listed as the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2020 i deposited two checks, each for {$1200.00}. This is a recurring transaction. Several days later the payor, a tenant, advised that the funds were not withdrawn from her account. I checked my Citizens bank account and saw that only {$1400.00} was credited. I called Citizens Bank customers service and was told the issue would be resolved. As of today it has not and I have had to contact the branch again. I did send a message via the contact section on the mobile app, but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX I recently applied for a mortage through XXXX and I also paid to see my own credit score and I am denied access to my Equifax credit report. I called the customer service number and they could not provide me any resolution. I went to my bank and faxewd over the required document. I am the owner of my credit and should not be denied access. Additional my information should match the information I provide. Additionally I feel I am being blacklisted by the actions of Equifax. i would like to know how my information has been establlished incorrect as I am now XXXX  years of age. I have had credit cards and other items using, my credit why is Equifax hold my info hostqage??? XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: AR

Complaint narrative:
I asked Equifax and XXXX  on to conduct a investigation per section 605b of the FCRA. I sent them a copy of a FTC AFFIDAVIT NOTARIZED AFFIDAVIT AS WELL AS A FTC IDENTITY THEFT REPORT. 
I sent all request certified mail ON XXXX XXXX OF 2020 or with delivery tracking. They refused my blocking request of the  information because they cant meet the time guidelines set forth by the FCRA. Equifax said no on XX/XX/2020 by letter to the blocking request with no reason why? But said they would do a regular investigation which simply gives them more time then what is set forth by the FCRA FOR SECTION 605B. Not giving a legitimate honest reason why is a violation of my rights by law. XXXX  on XX/XX/2020 sent a letter and said no that they had investigated in one day and had clearly not investigated anything and offered to do a regular investigation into the identity theft. I WILL SUE ALL OF THEM IF THEY DO NOT GET THIS CORRECTED. THIS IS CAUSING ME FINANCIAL DAMAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX Original creditor SMITH ROUCHON & ASSOC Last reported XX/XX/2020 I did not receive any communications from creditor or collection agency about this debt. Recently I was denied credit increase due to derogatory information reported as HIGH IMPACT collections. Dispute was filed and debt was paid electronically but information is still being reported incorrectly. 

I notified SMR & Association via phone for letter of satisfaction and they agreed to remove all debts from each credit bureau. However, XXXX XXXX is still indicating collections information as HIGH IMPACT collections and incorrectly. 

XX/XX/XXXX Reported balance {$830.00} XX/XX/XXXXReported balance {$510.00} The payment has drained my emergency fund ; created a financial hardship and now place me in credit limbo despite consumer protection against surprise billing under the COVID-19 Cares Act. 

These medical bills were paid in XX/XX/XXXX according to XXXX Insurance and surprise the debt is back again and being reported inaccurate with HIGH IMPACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: AR

Complaint narrative:
I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent 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