vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 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 received a copy of my credit report # XXXX and while disputing some items that need to be deleted. When I requested an investigation no protocol under the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], was followed by EXPERIAN. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion XXXX XXXX   XXXX  Partial Acct # XXXX Unverified data and contract XXXX   XXXX  XXXX  Partial Acct # XXXX Unverified data and contract XXXX XXXX XXXX  ADDRESS ID # XXXX Unverified data and contract According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

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 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Due to lack of income due to covid-19 I need some help with mortgage payment options and want to talk through my options with Caliber home loans. 

I started calling Caliber Home Loans to inform them I could not pay the mortgage for XXXX in the middle of the month. I have called 5-6 times and the phone just disconnects. I have also sent messages through their message center on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they say they will reply in 5 days. I have not received any replies to date. 

I reached out to the mortgage broker who got me the loan on XX/XX/XXXX to ask for a better number and she didn't have one. I was finally able to pay XXXX mortgage yesterday, but I can't pay XXXX. And to be honest I didn't really have the money to pay but I am really concerned because they are not getting back to me. I do not want to loose my home. 

I don't mind waiting hours on hold or waiting days for a call back or reply because I understand everyone is struggling. But I can't get a response at all and forbearance ( which I just found on their site today ) seems scary, because I can't afford to pay back all of the payments at once at the end of 3 months if I am not making money. For example, if I miss just 1 payment in the 3-months I will owe that payment plus the current months payment {$7000.00}. 

As far as I see the only options I have is a 3-month forbearance which is not feasible or to loose my home for missing payment. 

I am investing a huge amount of money in this company. I just want a call back in a reasonable amount of time. I need someone to explain my options to me. It isn't my fault they aren't answering their phones and it took me a long time to find their forbearance page, which isn't a good option for me. 

I want a call back, I want my options explained and I want the late fee for XXXX waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I started a refinance process in XX/XX/2019 and it has been a XXXX-show ever since. My mortgage company ( UWM ) along with XXXX Escrow is owned by a parent company XXXX XXXX. All 3 companies take weeks/ over a month to talk to/ update one another thru the process. 

The major problem started back in XX/XX/2019 when XXXX told its escrow company to not pay my property taxes that were due. This upheld my refi and of course, during the last 2 weeks of XXXX nobody is around to answers calls/ returns messages. 

Between all 3 of the afore mentioned companies along with my mortgage broker, I received delayed, incorrect, unupdated and harrassing payment information for me to maintain proper payments and therefore avoiding additional late fees and dings to my credit score. 

I have spent so many hours on the phone with all concerned parties/ companies over the last 6-7 months, I couldn't count it in minutes, hours or even days I think at this point. 

At the time of writing this, I have lost 3 hours alone TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed this account with XXXX, TransUnion and XXXX  and the account remains. 

XXXX is using fraudulent documents to verify accounts to these agencies and despite the account being paid in full XXXX nor the original creditor has EVER sent me anything in writing to validate the debt. 

XXXX has verified that the original creditor did NOT provide them with the correct information to contact me and that the original creditor only provided their own address. Even though the Original Creditor had my forwarding address and XXXX received my correct address with my previous complaint to the CFPB ( XXXX & XXXX ). 

The documents that XXXX supplied to the complaints above have a fraudulent lease, dated in XX/XX/XXXX with an electronic signature of my name, note the date in the attached document. I did not sign a lease in XX/XX/XXXX, I signed a leased generated in XX/XX/XXXX. The original documentation is not and has not been provided to XXXX nor is it available to the bureaus to verify this debt as it has NOT been produced so far. 

This debt was also paid in full and this fraudulent reporting method has caused me to lose credit opportunities and be denied.

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 2020-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Good Afternoon! 

address PER REQUEST I received a check from my XXXX in XX/XX/20. 
payer 's name XXXX check XXXX amount XXXX I remotely deposited on XX/XX/20. called their account. here comes XX/XX/20 my bank chase took XXXX back said it was a returned check ( bad check ). I called so many times to the back and keep bouncing around from customer service to claims and claims to customer service/ b/c no one know how to check the image of the check or see what happened. customer service put me on hold for 3 hrs and then another 3 hrs to speaks to someone in claims and then line drops. I and my XXXX went into chase bank. spoke to a banker clarify that check was clear from my XXXX 'XXXX bank and nothing was credit to my clients bank nor my bank. no one knows where my funds are. I am a XXXX XXXX XXXX patient and chase bank is making me cry every day and going through XXXX and XXXX. I would like to file law suit against chase. please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: CA

Complaint narrative:
while checking my most recent credit report i notice accounts and inquiries that i did not authorize or apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: GA

Complaint narrative:
On XX/XX/2020, I sent a letter certified to XXXX, XXXX, and Equifax disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. It has been over 30 days and XXXX, XXXX, and Equifax have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, and failing to provide proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a letter certified to XXXX, Experian, and XXXX disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. It has been over 30 days and XXXX, Experian, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, and failing to provide proof of verification.

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 2020-03-31 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: CA

Complaint narrative:
while checking my most recent credit report i notice accounts and inquiries that i did not authorize or apply for.

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 2020-03-31 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: CA

Complaint narrative:
while checking my most recent credit report i notice accounts and inquiries that i did not authorize or apply for.

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 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
I got my cell phone connection with XXXX in XX/XX/2019. As part of the deal I was supposed to get a {$150.00} gift card, which I never received. I closed the account in XX/XX/2019. I was retroactively billed for {$150.00} gift card. I reached out to XXXX, who assured that they will investigate. I explained them that if investigation concludes that I never received/used the initial {$150.00} gift card, then they can cancel off the charges. Instead I was told, if that's the case they can not cancel the charges since the rewards department and billing department are separate.Instead, I would be issued a new {$150.00} gift card by the rewards department, I can then call the billing department and use the new {$150.00} gift card to pay back the outstanding bill. They never returned back to me with the results from their investigation. Instead, they keep reaching out to different debt collectors ( 3 different debt collection agencies so far ) and continue to harass me to pay for the gift card. They have also got these charges listed on my credit report/credit history. I have tried to get this issue investigated through equifax but they are not able to move forward and keep sending me the bill that was issued by XXXX for {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TX

Complaint narrative:
all ftc violations XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX  {$1600.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$490.00} XXXX {$10000.00} Pursuant to 16 C.F.R. 2.10 ( a ), Petitioner SLAC , Inc. ( SLAC ) petitions the Federal Trade Commission ( FTC ) to limit or quash the Civil Investigative Demand ( CID ) issued to SLAC on December 6, 2017.1 SLAC objects and seeks to quash and/or modify the CID as being improper and unenforceable because the CID seeks information that is irrelevant information beyond the scope of the FTCs investigation and is part of an unlawful, unauthorized investigation. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.

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 2020-03-31 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: CA

Complaint narrative:
I noticed that there is an account from XXXX XXXX XXXX XXXX on my Experian credit report ; The only reason this account was brought to my attention today XX/XX/20 is because I was trying to buy a car at XXXX and when they ran my credit to see if I qualified for the auto loan, I was told that I did not get approved de to this account reflecting badly on my credit. That account is not mine. I never opened it and I did not allow anyone to open it in my name. I do not have any type of contract or agreement with this company nor did I allow them to access my credit file. I did not benefit anything at all from this account. I have already filed a police report and got in contact with that company to make them aware that they are reporting inaccurate/fraudulent information on my credit report.

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 2020-03-31 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: CA

Complaint narrative:
Information on m credit does not be long 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 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Problem # 1 : In light of the economic crisis in XX/XX/2020, I had to spend 3 times my normal monthly expenses. Funds became scarce and I asked CITI/Credit Card to allow me to make a reduced payment pf {$25.00} for the next 4 months instead of the $ XXXX  monthly payment. They refused me. 

Problem # 2 : On XX/XX/2020, I made a $ XXXX  monthly payment in advance, which was due on XX/XX/2020. Then on XX/XX/XXXX, CITI withdrew a second {$100.00} from my checking account. I was charged twice for the XXXX payment. I called CITI on XX/XX/XXXX and was told they wouldnt do anything to correct the problem. 

I called CIT I2 times and asked them to lower payment to {$25.00} for 4 months and to have one of the XX/XX/XXXX payments to be applied to XXXX payment. They told me to call back about the double payment which I did. Each time I called, they said no. I finally wrote them a letter summarizing the problems and asked for help. I got a letter from CITI and again saying NO. In good faith, I will be making a $ XXXX  monthly payment for the next 4 months, but If something is not resolved during that time, I will have to stop all payments and default on the balance of the credit card.

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 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC is such a fraudulent organization, they told me that me my account balance would be restored by XX/XX/20. They have hundreds of cases like mine where they have decided to temporarily credit the account while investigating the charges. 

They have advertised " zero fraud liability '' and have also advertised a temporary credit no later than 10 business days from the day that I disputed the charges. 

10 days have come and went, and my account balance states that I have {$15000.00} available to spend as of XX/XX/20, but they will not allow me to spend any of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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:
all ftc violations XXXX XXXX {$13000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX co {$1200.00} XXXX XXXX XXXX {$490.00} XXXX {$10000.00} Pursuant to 16 C.F.R. 2.10 (  a ), Petitioner SLAC , Inc. ( SLAC ) petitions the Federal Trade Commission ( FTC ) to limit or quash the Civil Investigative Demand ( CID ) issued to SLAC on  XX/XX/XXXX, XXXX SLAC objects and seeks to quash and/or modify the CID as being improper and unenforceable because the CID seeks information that is irrelevant information beyond the scope of the FTCs investigation and is part of an unlawful, unauthorized investigation. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.

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 2020-03-31 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: TX

Complaint narrative:
all ftc violations XXXX XXXX {$13000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX co {$1200.00} XXXX XXXX XXXX {$490.00} XXXX {$10000.00} Pursuant to 16 C.F.R. 2.10 (  a ), Petitioner SLAC , Inc. ( SLAC ) petitions the Federal Trade Commission ( FTC ) to limit or quash the Civil Investigative Demand ( CID ) issued to SLAC on XX/XX/2017.1 SLAC objects and seeks to quash and/or modify the CID as being improper and unenforceable because the CID seeks information that is irrelevant information beyond the scope of the FTCs investigation and is part of an unlawful, unauthorized investigation. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: DriveTime
State: FL

Complaint narrative:
XXXX/Drivetime has been reporting incorrect information on my XXXX  and XXXX  credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/drivetime couldn't even find an account # XXXX with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked bridgcrest/Drivetime on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX  FORMERLY DRIVETIME # : XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation