vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
it started in XXXX when my wife passed away. i have a mortgage with this company and i called them after my wife 's passing and talked to XXXX XXXX a senior loan officer with the company and asked about a lower interest rate and payment since my income had dropped with my wife 's passing. he said sure they would work on it and they did and i started talking to XXXX another associate and was told by XXXX not to make XXXX payment which I did after it drug on and then was told not to make XXXX or XXXX payment so i waited and finally in XXXX i got an email with a revised mortgage plan and i looked at and sent it back. then i got a closing XXXX XX/XX/XXXX from XXXX XXXX another sales manager.i looked at and signed it and sent it back. then XXXX called me and needed a copy of my wife 's death certificate and i sent it to XXXX XXXX XX/XX/XXXX then i checked my email and it said that my application had been closed.with no explaination. i have called these guy 's several times with no response and emailed them several times with no response. now i find out that it shows a late payment for XXXX on my credit report. i made all the payment for XXXX on the phone to get caught up and mailed the XXXX payment the same day..i found out they told me not to make the payments so it would show on my credit report so that they could keep my business.I need some answeres to why suddenly they closed my application. i made payments to them for a year with non being late. i had the money to make the other payments but was doing what they asked me to do. need that late payment off of mt credit report.Thank you i need help with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
2. I received the response in regards to the inquiries. The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i  ). *XXXX XXXX / XX/XX/2019, *XXXX  / XX/XX/2019.

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 2020-10-09 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: MA

Complaint narrative:
Hi XXXX and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-09 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: MA

Complaint narrative:
Hi XXXX  and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: MA

Complaint narrative:
Hi XXXX and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-09 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: OH

Complaint narrative:
I am requesting that all of XXXX and Department of Education be lumped together and removed from my credit report. I, personally, have never made one payment. I was part of the class action suite along with the F.T.C. ( Federal Trade Commission ) against XXXX XXXX. Late payment discrepancies are not of my doing. I am requesting that all of this is removed from my credit report and that my score is more accurately reported. 
Reporting thirty three-plus negative payments over one account has adversely affected my life and future endeavors. 

PS : This is 10 yrs old!!

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 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I have told them previously to stop calling me my phone number is registered in the government do not call list

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: OH

Complaint narrative:
The balance on this account is not correct as this account being reported as an Charge-OFF. As I can see the XXXX XXXX XXXX # XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX XXXX XXXX # XXXX This is double " jeopardy '' and the credit agencies will be accountable for it.

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 2020-10-09 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: OH

Complaint narrative:
The balance on this account is not correct as this account being reported as an Charge-OFF. As I can see the XXXX XXXX XXXX # XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX XXXX XXXX # XXXX This is double " jeopardy '' and the credit agencies will be accountable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I applied for a refinance of my current mortgage with Quicken loans in XXXX. Being in the mortgage industry myself I understood that the turn times would be extended, so that is not the issue. I am a married woman ( on paper ) in Michigan. The home I am refinancing I purchased alone without my XXXX XXXX to leave an XXXX XXXX. He does not know where I live. During the refinance process it was brought to my attention that he would need to be at the closing, at which time I advised that he does not live in my home and has his own. Through coordination with the Title Company, XXXX, he completed a non home stead affidavit which was provided to Quicken on  XX/XX/XXXX. I received the CD to execute last week and there was a document explaining that they ( Quicken ) sent documentation on my mortgage to my XXXX XXXX home ( who is not on the loan or in title ) I  immediately contacted Quicken to ensure nothing with my address is sent to him, so as to not disrupt my XXXX XXXX at which time I was told it was already sent. So for the past 3 years I have not seen this man and 2 days ago he was on my door step XXXX me. This is not ok, not only is my XXXX XXXX at risk due to this error made by Quicken but also that of my family. I was supposed to close on this loan today and they have his name on the documentation. This complete incompetence it not acceptable. A Michigan based company should be well versed on the laws of the state as it pertains to who is required to sign on a mortgage and who is not. I went through the steps requested to ensure the non-homestead information that is required to confirm that the subject property is not his primary residence was obtained while maintaining my anonymity where he is concerned and Quicken has now provided him everything he needs to find us. I am in the process of obtaining legal counsel, so that if this man breaks in here and harms me that they know to come after Quicken, due to the incompetence and complete lack of understanding of the loan requirements in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I disputed a erroneous item reporting inaccuracies from CITICARDS CBNA on XX/XX/31 via certified mail and I requested the documents to validate the debt be mailed to me within the allotted 30 days the FCRA gives. 45 days passed and the company still did not respond. I attempted to call the company and could not get through to who I needed because the information I provided to them was not in their system. I spoke with a manager who was able to locate a debt but the information on the account was different from mine. I let them know I never had an account with this company. I asked for validation and the representative said they dont respond to those types of request and I would have to pay the debt. I then pulled a comparison report from XXXX where I noticed CITICARDS CBNA had been reporting inaccuracies and different information to different bureaus. I filed a dispute with this information. XXXX deleted the account for not being verifiable after its investigation. XXXX and XXXX   stated they updated the account from my previous dispute. They didnt even consider the multiple inaccuracies CITICARDS was reporting. I am trying to buy a house and this account has cost me so much from housing opportunities, to job opportunities to health issues from stressing about their negligence.

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 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
Franklin Collection Services A representative of this company called a line that is not registered to my name or my spouse 's name. This was a family member 's phone number. We have never used that phone number for any of our contact information. The representative then failed to verify their identity via social security number as they did later when I called back. 

They then released all the information about the details about the debt to that family member. 

I was made aware of this today, XX/XX/2020, and I called Franklin Collection Services. I spoke with a supervisor who said they are not required to verify identity further than confirming their name. The supervisor said she would investigate the phone calls and listen to the specifics. I told them they had in fact released the information to a third party. I informed them I would file a complaint and contact an attorney about this breach of information. 

Harassing a family member and continually calling a line not associated with neither I or my spouse. 

Releasing personal financial information to a third party Failing to see anything wrong with the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I took a 3 month payment holiday on my 2 mortgages ( two separate properties ) with Wells Fargo. After I started repayments, they said they would move the missed payments ( really principal ) to the end of the mortgage as a balloon payment. I agreed to those terms. 

The problem is that my account history in my online banking portal shows that WF has added, not shifted, the principal to both mortgages. One phone rep told me the problem was with WF systems and internally WF has only shifted the principal. But that's not what my online banking account history shows. When I called WF customer service they were not helpful and finally sent me a letter telling me " We've determined the accounts were handled properly and no corrections are needed as no error has occured ''. The letter goes on to say that the balances have been treated correctly on my monthly statement. 

Its true that the monthly statement does break out the continuing and the deferred principal amounts but the problem is that the sum is still additive, not a deferral. 

I need help to force WF to show the deferred principal as a deferral, not an additional amount.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/20, out of nowhere, Bank of America closed all of my credit cards. I had only known this from my cards being declined -- there was no notice at all in the mobile banking app nor any emails. When I called that day, they told me I had 3 weeks until my entire account with the bank ( Checking, Savings, 3 credit cards and 2 investment accounts ) will be fully closed. I have been a customer for over 10 years and was just recently upgraded to their Premium Rewards tier. They won't give  me any explanation except " it was a business decision. '' My credit score stands to get hurt because those were my longest cards, and I can't even redeem reward points ( {$300.00} ) I earned over the year because they closed my cards. They won't even give me the decency to have a conversation about why they did what they did. When I tried to talk to the rewards support team, the agent transferring me hung up on me, not letting me talk to the team. 

The letters I did receive regarding the account closures were sent piecemeal and days apart ( 2 on XXXX, the rest on XXXX ) -- had I not called, I would have lost a week to get my finances in order. How hard is it to send a message via the banking app or email?

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