vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX account XXXX XXXX XXXX  XXXX XXXX / Equifax XXXX account XXXX XXXX XXXX  XXXX XXXX / Equifax XXXX account XXXX XXXX XXXX  XXXX XXXX / Equifax Inaccurate account XXXX XXXX XXXX of XXXX XXXX Inaccurate reporting on all XXXX bureaus Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inaccurate reporting on all XXXX bureaus Account XXXX XXXX dept of XXXX XXXX Inaccurate reporting on all XXXX bureaus Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate reporting on all XXXX bureaus Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I settled a collection with Credit Collect Services. Credit Collect Services received the funds on XX/XX/2021 and it's reported on my XXXX credit report that I owed {$0.00} balance. XXXXredit Collect Services continues each month reporting to XXXX that account is in dispute which has been settled. Please have the account removed or stop reporting this the account is in dispute. I contacted XXXX each month starting in XX/XX/2021 to remove the comments but the remakes keep reappear each by Credit Collect Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: LEXISNEXIS
State: CA

Complaint narrative:
I just learned that LexisNexis is making false reports, and has now refused to provide me with my report for the past 7 months, I was told by my Insurance Company that they got a report from them and it is all false. 

It is now causing me damage and harm ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: EQUIFAX, INC.
State: GA

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 about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i 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 are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: MI

Complaint narrative:
Have been sending letters to all three credit bureaus about late payments that have been posted to my account. I have requested that the late payments be removed as they are affecting my credit score and ability to get a house.

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 2021-12-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Have been sending letters to all three credit bureaus about late payments that have been posted to my account. I have requested that the late payments be removed as they are affecting my credit score and ability to get a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
To whom it may concern, I am in arrears with my mortgage in the amount of {$53000.00} as of XX/XX/XXXX due to Covid-19. I am a XXXX XXXX XXXX and my husband passed away of XXXX on XX/XX/XXXX. Because of the lock down and being XXXX XXXX I had to close my business for a year until there was some sort on normalcy in society again. I kept in touch with the mortgage company quite frequently and I was placed on a forbearance to protect my home from foreclosure with no supplemental income. I began reaching out to PHH at the end of the forbearance and I was told I didnt have to worry about anything the past due amount would be deferred to the back of the loan. Now that the forbearance is officially over and I am trying to start making my payments again. Im told I do not qualify for the deferment nor a loan modification and I need to come up with {$53000.00} to bring my loan current or accept a repayment plan of a ballooned monthly payment I can not afford. My business is not where it used to be pre Covid and I dont understand why the mortgage company would let you go into a disastrous delinquency knowing they are not going to help you in the end. Its not my fault Covid occurred and I lost my husband in the process now the mortgage company is trying to take my home and put me in the streets. Call after call I was assured I would get assistance and there was no need to worry now they have turn their back on me and is demanding I pay a lump some that they knew I couldnt pay. Can someone please help me to ensure they are not doing this to innocent homeowners in a situation that was beyond our control? Thanks in advance for your help it is greatly appreciated. 

Yours Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Ireceived a letter from Bank of America telling me they had detected suspicious activity on my credit card. Charges totaled over {$9000.00}. I learned from them that my address had been changed and my daughter added on my account as an authorized user. As I rarely used this credit card, I never received a bill, nor did I ever do any banking on line. smy complaint is that Bank of America never alerted me or inquired about the address change or additional user on my account. After filing 2 claims that were denied, they told me I needed to file a Police Report against my daughter to make a difference in filing another claim. I struggled with that decision... but filed the Police Report, but it was denied again. We are now at ages XXXX and XXXX having to take a Home Equity loan to repay this debt cause it is putting such a strain on our monthly income of XXXX. Bank of America definitely bears some responsibility for this fraud on my credit card. The fraud charges were done on XX/XX/2021. Claim denials on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 all say their research included my account history and/or the monthly account statements we sent you ... ... ... I NEVER received any monthly account statements and, again, hardly ever used this credit card. Thank you for any help or consideration.

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 2021-12-06 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:
I reported identity theft and supplied a police report XX/XX/XXXX to Experian. They removed the account back in XX/XX/XXXX and placed it back on my report in XX/XX/XXXX but they didn't notify me in 5 days of the reinsertion per FCRA 611 ( 15 USC 1681 ) I spoke with a rep today XX/XX/XXXX & advised her of what happened she states they sent me notification within 5 days but when I asked her to supply the letter with the XX/XX/XXXX date on it she said she cant supply that and she can only give me a letter of what was sent with todays date on it. 

Im upset that these credit reporting agencies use these type tactics to get over on consumers and are able to do what they want. It's already alot that someone stole my identity then I have to go back & forth with the bureaus to follow the law.

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 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
Without my knowledge prior to it happening our mortgage was sold and is no longer under federal backing ( XXXX XXXX or XXXX XXXX ). I didnt know this had taken place until I tried to get help because of Covid! When I called Fayeservicing told me they couldnt help me because 1 ) I missed the deadline this was XX/XX/XXXX! 2 ) I wasnt backed by XXXX XXXX any longer! When I asked them to tell me when this took place they refused! I said I didnt give permission for them to take the XXXX  XXXX backing away and they informed it was one of the lines I initialed when we refinanced! I would never have initialed giving my permission knowingly because I liked knowing we were backed by Federal government! This needs to be clearly stated! 
Next complaint : we have filed twice to get loan assistance and were told we dont make enough money to get approval! Exactly why we asked for help! We have been paying on this loan since XXXX! When I called about a week and a half ago XX/XX/XXXX to see what had happened that is when I was informed we werent eligible! She told me we could still make payment arrangements so not to worry! I told her I didnt know how because we didnt enough money to pay one I didnt know how to send extra! I told her I did currently have enough for one payment and she asked me how saying something about me not reporting all my income! I told her my daughter gave me money! She didnt accept the money! I wouldnt be behind 3 payments if she would have! Last Friday I found out that my husband would likely be eligible for XXXX so this gave me hope I could make the payment with extra! So today XX/XX/XXXX I talked to XXXX I told him I was calling to make payment arrangements! XXXX told me I couldnt because it was too late! No one in my previous conversations told me about a deadline! Non of my letters have a deadline or even the suggestion that we could make payment arrangements! How am I supposed to know? There is nothing fair about how this company does business! I have asked on multiple occasions was there any assistance for veterans because my husband is a veteran! They said no! I told them I am XXXX since XX/XX/XXXX partially Covid related, nothing they can do! So because we are not backed by HUD they wont help us! I asked if I could make one payment because the we wouldnt be behind 90 days and would be eligible to make payment arrangements! XXXX refused to accept anything except for 3 full payments which would be {$2000.00}. So now we go into foreclosure because they refuse to do anything to help us at all! Next, I asked them to send the demand letter and eligibility letter certified mail and XXXX said they dont do that! I was complaining about not getting them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX$65000.00} was showing my balance but my incorrect.Call and they states that my account balance was {$0.00} then when I called back they said the account was closed. 

Penfed Displaying account balances inaccurately on many occassions and closed my checking account for reasons not lawful. Made transfers to another institution and it stated the funds were being transferred on that day but later it should another date and on that date XXXX it didnt show up. 

XXXX XXXX XXXX XXXX I was blocked from paying rent using the online portal and now only 2 of my balances have shown up. My balances are not being displayed. And attempts to login hae been denied on many occassions. 

XXXX XXXX XXXX approved for a mortgage and deposit account and then rejected from using services. 

XXXX XXXX approved for a real estate deelopment loan and because of inaccurate information listed in the XXXX XXXX XXXX I was later denied forcing my companies into fiancial hardship. 

XXXX XXXX I did not receive the correct amount mandated by the XXXX XXXX XXXX XXXX. Now my accounts are not showing accurate balances.The also hae denied my the ability to dispute transactions. 


XXXX XXXX XXXX has prevented me from applying for a real estate loan because XXXX XXXX XXXX all of their funds '' XXXX XXXX  approved and denied me for an auto loan but then denied it because of inaccurate information listed in XXXX XXXX XXXX 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 2021-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Through my XXXX XXXX mobile app. I received an offer to refinance my existing XXXX XXXX XXXX loan for a lower interest loan with Pentagon Federal Credit Union AKA PFCU. When I called the number I was rerouted to a third party broker who sounded like a child and very unprofessional. He asked for alit of information which I provided ... and he seemed to know specific details of my account with XXXX XXXX. I also told him that I didn't want another hard inquiry on my bureau and that I needed to know the likelihood of approval. He stated nearly 100 %! I was denied and now have a hard inquiry on my record. When I called back to inquire of this situation... .no calls back and no address or info online of this person or his alignment with PFCU. I believe this person has my credit information and is not legitimate broker.

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 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is purposely lowering my credit score. On XX/XX/2021, my credit score was XXXX. Today, XX/XX/2021, my credit score is XXXX. There are no changes negatively on my credit report to justify my XXXX XXXX lowering by XXXX XXXX. I actually had positive changes that should of increased my credit score. My current XXXX score is XXXX. 

The gross disparities against XXXX Americans is centered around how the three credit reporting agencies conduct their credit modeling. There need to be immediate changes to what is reported and how. For example, there is no reason Americans are penalized based on inquiries and having those inquiries stay on a report for 2 years. 

What I saw today when I checked my credit score with Experian revealed to me the ponzi scheme that our federal government is allowing. This is doing a great disservice to the undeserved communities. Preventing good jobs, homeownerships, a stable and prosperous lifestyle for ALL, not just the selected.

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 2021-12-06 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 2021-12-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed for bankruptcy in 2017 and it has been discharged. Experian is reporting this bankruptcy on my credit report, as well as accounts that were listed in my file. I didn't give them permission to report my private business.

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 2021-12-06 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:
Experian refuses to remove an inaccurate account that they are reporting on my credit report. XXXX and XXXX are not reporting this as an account on my report, so I am not sure where Experian is getting this information. I have already contacted Experian in regard to identity theft. Experian has not sent any relevant or supporting documentation with my name or signature on any contract with this company. Please have this company looked into for reporting negative items on consumer reports. The account that should be removed from my credit report is ACCOUNT # XXXX XXXX XXXX XXXX {$910.00}. I will be seeking {$1000.00} per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of 15 U.S.C 1692g

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 2021-12-06 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: MA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
Rocket mortgage closed my loan and my son 's loan on XX/XX/2021 ... .i did ask their loan servicer - who works for rocket mortgage- to remove escrow from my loan before closing, now after i paid my first mortgage, i found out that escrow is being added to the mortgage and not removed as agreed. i called rocket mortgage escalation team and they rudely informed me that this is their policy. i spent hours going through my loan and closing documents and nothing i signed shows that i have to keep the loan for 1 year before closing. i requested clarity from rocket mortgage and no one was able to give me an answer.

Company response to consumer: Closed with explanation