vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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: GA

Complaint narrative:
I have inquires that are not mine and Equifax is refusing to delete. The inquire is XXXX XXXX bank use on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent on XXXX and XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : BARCLAYS BANK DELAWARE Inquiry Date XX/XX/2021

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 2021-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
I recently reviewed my credit report after being release from prison and found that I have been a victim of id theft. I have a collection from FOREST RECOVERY SERVICE, Original creditor : XXXX XXXX that is not my debt and I never was notified that I owed a debt. The negative collections are hindering my ability to acquire a place to live. Below is a copy of the collection. 

count Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$600.00} {$600.00} Payment Info Original balance {$600.00} Balance {$600.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/XXXX Additional info Comments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: GA

Complaint narrative:
I have submitted FTC 's 5 times at this point. I get mail stating the inquires will be removed and they haven't been. I call in and they tell me to submit it again. This is out of control and they need to do as they said. This seems to be illegal and XXXX going to consult a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: IN

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 2021-12-03 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: MO

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Guaranteed Rate denied a loan application to finance the purchase of a condo unit. 

The denial letter stated XXXX reasons for denial without giving any more details : A. Inadequate Collateral Unacceptable Property B. Inadequate Collateral Insufficient Data - Property The denial letter did not provide any LOX or options for reconsideration. 

Guaranteed Rate stated in an email that the property appraised at the purchase price. How can the collateral be inadequate when the condo unit has already appraised for the purchase price? 

When probed further, Guaranteed Rate stated they required the insurer of the condo building 's master insurance policy to provide their Replacement Cost Calculator. The insurer pointed out that the loan is for the purchase of one unit in the building. The building does have master insurance policy and it was provided to the lender. 
Can a lender require the association 's insurer to provide Replacement Cost Calculator as a precondition to approve the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-12-03 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX breach and XXXX have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY

Complaint narrative:
Pursuant to 12 CFR Part 1006 ( Regulation F ). 1006.34 Notice for validation of debts. I never received a validation notice with initial communication or within 5 days of initial communication. 

Pursuant to 15 U.S. Code 1666b ( 4 ) XXXX XXXX is in violation The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. And 15 USC 1666b ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Pursuant to 15 USC 1611 XXXX XXXX is criminally liable for willfully and knowingly not disclosing finance charge and unauthorized use of my credit card Pursuant to 15 USC 1635 right of rescission XXXX XXXX did not disclose or give written notice to consumer informing consumer of having an opportunity to rescind said consumer credit transaction. 

Pursuant to 12 CFR 1026.23 b ( 1 ) - Right of rescission in a transaction subject to rescission, Since I have Never been notified of said right, I have 3 years to exercise that right a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind the notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. 

( ii ) The consumer 's right to rescind the transaction. 

( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the rescission period expires. 

according to 7 CFR 1436.10 ( c ) the down payment may not include any trade-in, discount, rebate, credit, deferred payment, postdated check, or promissory note to the supplier or contractor wells fargo has recived a prommisory note in which paid for this transaction. 

Pursuant to 12 CFR 1026.23 b ( 2 ) I have Never received a proper notice of Form Appendix H and forms to take exercise my right to rescind. To satisfy the disclosure requirements of paragraph ( b ) ( 1 ) of said section, the alleged creditor shall provide the appropriate model form in appendix H of said part or a substantially similar notice.

Pursuant to 12 U.S.C 83 No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves alleged loan was paid for when i provided signature and social which makes any commercial paper a security i also provided a promissory which paid for transaction 15 USC 1692h XXXX XXXX has received payments on this alleged debt and affiant has the right to direct XXXX XXXX to return all payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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:
I have checked my Experian credit report on XXXX different computers- and my credit report clearly has not been updated since XX/XX/2021. We are now in XXXX 2021. I was not able to get a car loan because the information on my credit report is outdated. 

I even purchased the monthly package for {$24.00} per month for the correct information and I am not receiving what I purchased. 

I have contacted Experian and explained the situation to them on XXXX different occasion and was told they would submit a ticket and someone look into it. Again my credit report has not been updated.

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 2021-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I recently reviewed my credit report after being release from prison and found that I have been a victim of id theft. I have a collection from XXXX XXXX OF XXXX Original creditor : XXXX XXXX XXXX that is not my debt and I never was notified that I owed a debt. The negative collections are hindering my ability to acquire a place to live. Below is a copy of the collection. 


Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} Payment Info Original balance {$1200.00} Balance {$1200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2021-12-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Took XXXX XXXX XXXX XXXX up on a 'same as cash ' no-interest credit offer last XXXX. Never rec 'd a statement from them [ they apparently had the wrong e-mail address and did not offer paper statements ] ; On XX/XX/2021, they called, screaming that my account was past due! I immediately paid them everything up to that point that they said I owed them. At that point, they instructed me to schedule a monthly ~ $ XXXX to reach them by the end of each month thereafter, which I did. What they didn't tell me was that they stealthily charged me an XXXX cent " trailing interest charge '' but failed to tell me about it. When they called me in early XXXX, screaming that I was " past due '' for the XXXX cents, as we were talking, the XXXX XXXX agreed at the absurdity of the situation and promptly reversed the XXXX cent charge that I never knew I even owed! All good, right? XXXX ... ..... 

When I checked my credit report [ which, prior to this fiasco was an XXXX perfect score ], I discovered that XXXX XXXX XXXX XXXX had reported that I was " 30 days late '' with my XXXX payment. this of course is false information. I have complained dozens of times to them- they keep apologizing and promising to correct it but they never do! I registered disputes with all three credit bureaus as well. They all told me that the only one in human history that can change this is XXXX XXXX XXXX themselves. Pls. help to get this removed from my credit reports as they simply are not able or willing to really do so.

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 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We sent Chase the comprehensive contract on XX/XX/2021 which clearly indicated that the property has an apartment number and as such is a condo. 

Per our lock-in agreement signed on XX/XX/2021, the discount point is stated at 0.073 % and expiring on XX/XX/2021. Per the loan estimate package dated XX/XX/2021, we also note the same discount point and the same expiration date. And per the firm commitment issued on XX/XX/2021, the same discount point is mentioned. 

Friday XX/XX/2021 ( XXXX days before closing ) was the first time we noted that the higher discount rate 0.823 %. We signed this so we can close otherwise we would be in breach of contract ( end of time of the essence notice is XX/XX/2021 ). 

When questioned why our locked rate change when it clearly said expiring on our close date XX/XX/2021, Chase first told our attorney that it's due to the change in bank between XX/XX/2021 and closing date XX/XX/2021. It couldn't be because we went with a different lender as we did not sign any documents with Chase on XX/XX/2021 and the first signed document is dated XX/XX/2021. When confronted with this information, Chase change the explanation to the fact that it was a condo and not a single family home, which warranted a change in the discount rate. A condo is legally a single family home. The signed contract we sent over on XX/XX/2021 clearly indicated an apartment number. According to Chase, this pricing change and was immediately disclosed through the portal, which unless we logged on the portal, which we did not, would be completely oblivious to this change. 

I believe a best practice guide, which obligate bank to call/email customers as well as have customers re-sign the lock-in agreement should there be a change in pricing should be in effect to avoid this situation in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I had gotten an ( 350.00 ) store credit card from XXXX coat factory and I have been paying on this card only ( 350.00 in thier use ) I been praying them since ( XXXX or XXXX of this year 2021 and I just submitted a payment yesterday. So I decided to check my balance and I have payed this company at ( 180.00 on toward a 350.00 bill ) and I asked them why haven't my payments been going toward my monthly bills and they refused to tell me and told me they don't have too. That is a lie. I want my money or they must put it toward my bill. I only get items on this card no money so why isn't my payments deducted each payment date I am never late. I pay with my debit card. And they refused to sent my statement 's too my other address because they I never got a statement and I asked them why??? Now I see why because they been cheating Me and not applying my monthly payment to my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03 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: GA

Complaint narrative:
I was a victim of identity theft. it is an inquiry that is not mine. It is capital one bank on XX/XX/2021 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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: GA

Complaint narrative:
I have inquires that are not mine and XXXX is refusing to delete. The inquire is Capital one bank use on XX/XX/2021 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Notice inquires on my credit report that should NOT be there from unknown source.

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 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
I was an investor on Coinbase until XX/XX/28 when my account was hacked and my savings account was drained. {$6000.00} was pulled from my savings account and the hacker was able to transfer out {$2600.00} before the account was locked. At the time I had {$1700.00} give or take in my Coinbase account. I have been refunded {$6000.00} back into my savings account by Coinbase but have lost the {$1700.00} that I originally had in my Coinbase account. Coinbase will not refund me and I need assistance or guidance moving forward, to hold Coinbase accountable for their platform that was hacked, as they are ultimately responsible. Thanks and please let me know.

Company response to consumer: Closed with explanation