vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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:
I was the victim of identity theft and have been attempting to resolve issues that have now gone on for several years and there are still some items that the credit bureaus and creditors are not removing. I have filed a FTC Identity Theft Affidavit and provided such to all three consumer reporting agencies and the creditors. 

The remaining items I have not been able to get help in resolving are : 1. XXXXXXXX XXXX XXXX, Acct XXXX, Open XX/XX/XXXX and XXXX XX/XX/XXXX which shows a charge off of {$4200.00}. This is not mine and I have provided all parties documentation of this identity theft. 

2. XXXX XXXX XXXX XXXX : Line of Credit XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$26000.00}. This is not mine and I have furnished all parties documentation. 

3. XXXX XXXX XXXX XXXX : Credit Card, XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$6300.00}. This is not mine and I have furnished all parties documentation. 

4. XXXX XXXX : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$4400.00}. This is not mine and I have furnished all parties documentation. 

5. XXXX XXXXXXXX XXXX : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$14000.00}. This is not mine and I have furnished all parties documentation. 

6. XXXX XXXX XXXX : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$15000.00}. This is not mine and I have furnished all parties documentation. 

XXXX XXXXXXXX : Credit Card. Do not have the account details. Charge off {$5200.00}. This is not mine and I have furnished all parties documentation. 

I have repeatedly sent copies of my request along with a copy of the Federal Trade Commission Identity Theft Report. Under FCRA Section 605B they have no more than four business days to remove or block. This has now gone on for months and months.

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 2022-03-11 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: DC

Complaint narrative:
I have made this complaint numerous times with no results. I have provided the necessary documents to have these accounts removed and yet they still persist. Please review all attached information and act accordingly as required by law. These accounts are hindering my ability to obtain new employment and a place to live.

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 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I made a purchase using my Bank of America Credit Card back in XX/XX/2022. It was a purchase with XXXX XXXX. I immediately canceled the purchase, document the person name, the reference number, etc. My Bank gave me a credit of {$59.00} on my account ending in XXXX, Case number XXXX. The merchandise was returned to XXXX XXXX facility in XXXX, Florida, XXXX, on XX/XX/2022 at XXXX. Now the Bank wants me to continue to respond to the the company, this is over a month later. I received the letter XXXX XXXX and have by to respond by XX/XX/2022, which is not enough time.

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 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
We cashed a check at a check cashing place who had to put most of our money on a prepaid Netspend card. No issues at first until they put a hold on our card. We called and asked why. We were told the hold was placed due to my wife having a balance of XXXX with netspend years ago or so. She agreed to pay the {$100.00} and we were told the card would be usable again in 24 hours. Its been XXXX hours. They are holding over {$8000.00} due to {$100.00} balance that, again we agreed to pay. 
We have been hung up on. Ignored. Lied to repeatedly. To hold {$8000.00} hostage over {$100.00} debt that was taken out already should be investigated. We still have no details on where the {$100.00} hold could come from. We have nothing not even an explanation.

Please help stop this from happening to the next person

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 2022-03-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I sent in multiple reports still no cooperation. They refuse to remove this from my report have filed police report and ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
XXXX XXXX dept of taxation waived my XXXX real estate taxes due to my age and having met the qualifications for the REAP program. On XX/XX/XXXX the taxes were returned to Carrington Mortgage for return to my escrow and then to me. As of today XX/XX/XXXX no one can tell me were my money is at. Can not seem to find any answers. Investigation started in XXXX due to complaints lodged and was to be completed by XX/XX/XXXX. XXXX Va confirmed that Check was received XX/XX/XXXX. As of the date of this filing I have received no answers!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple Credit Card XXXX GS Bank USA refused to issue me a credit increase of {$1000.00}. So I asked for the minimum of {$200.00} increase in credit so I could buy a apple computer. These people say I am caring a a balance on my credit card. I have not. All the credit card transactions get paid normally XXXXen days or less after they clear the credit card company. These people also claimed they checked my credit history they did not. It never showed up on XXXX. I also explained to these people how much is in my bank account, what my credit score is of XXXX depends on which credit bureau you use. How I am also never late on a payment. How I pay my bills and my income level. Yet these people denied me credit to buy a computer from Apple Store. I also told them I how I was going to pay it off as well. I only been using the card to buy food because of the cash back feature. These people never properly looked over my credit history. They are being XXXX in there giving of credit because I am not a women of XXXX or a XXXX XXXX. Who they would give a credit increase in a heart beat. These people are biased against someone who makes a good living, who has money in the bank and never been late on a payment. My house is paid almost half way off as well. I am not a risk to give credit to for XXXX or less at the minimum XXXX more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In early XXXX of 2021 I started applying for a mortgage with Webster bank and specifically a XXXX XXXX, an underwriter. It was explained to me that commercial realestate can take 2-3 months to close especially because of how busy appraisers are. Initially I gave a {$3000.00} check to Webster for the appraiser. Later the appraiser would only be {$1300.00} but the remainder of the {$3000.00} deposit I gave would go towards additional fees. I was also reassured my rate was locked and provided only one commitment showing a mortgage rate of XXXX from Webster. After the closing I contact the underwriter stating I was due a credit of more than {$500.00} after their fees and appraiser. The underwriter then credited me the remainder. I received my first mortgage payment and noticed the amount was higher than what was discussed. The underwriter stated to me that a page I signed would allow Webster to change the rate upto 5 days before the closing. I was lied to verbally and I did not get anything from Webster showing a rate change even days before I closed on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
After 13 years of good standing with Bank of Oklahoma, they sold my mortgage after signing me up for " 3 months deferment with no fees to be tracked to the end of my loan due to COVID ''. 
Before that 3 months was up, they sold my loan to Freedom Mortgage. This was 2 years ago. Freedom Mortgage has yet to send me a bill with a monthly payment and due date. I call them at least once a month every single month. After 2 years they FINALLY sent me a packet and I signed and had it notarized and sent it back within the deadline given. To this day they still say they didn't get it even when provided with who signed for it and when, as well as the tracking number. Their negligence has caused them to add an additional 10 years to my mortgage. Today I get a package asking me if I want to save my home and asking for financial documents they got long ago and more than once.

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 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have attempted repeated times to request that this creditor remove me from their account files as they have accounts that were opened in my name due to iden

tity theft and without my knowledge or authorization. I have made every effort to get their assistance and they have refused. These accounts were opened while I was in college. I had no employment and did not live in the city that the accounts were listed as. I never resided at such address. I have provided a copy of the FTC Identity Theft Report to the creditor and the credit reporting agencies. While FCRA Section 605B requires them to remove the account records or block their reporting, they have not done so and are in violation of federal 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 2022-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Was contacted back in XX/XX/XXXX asked for proof of debt from the company and it was never sent just a letter from the collection agency! Was contacted again in XX/XX/XXXX and asked for proof of debt and not proof just leered form debt collector! Debt hit my credit report XX/XX/XXXX and the company just sent proof of debt XX/XX/XXXX when I requested it 2 times and they failed to provide it to me until after it it my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NY

Complaint narrative:
I have received letters from Cardinal Finance stating my request for forbearance isnt complete.I callled to go over the options and I was directed to Consumer Finance. The person simply stated I was in forbearance and there was nothing I needed to do. I asked what I need to do when forbearance is over because I can not make balloon payment and she directed me to contact CFPB. 

I also called because my escrow has increased 2 times in the 15 months in 7 months. When I called to ask why it keeps increasing I was placed on a long hold and was told to call my town or insurance company. My mortgage rate has increased over XXXX in 15 months and I asked how much I need to pay to have my monthly rate back when I purchased of {$2500.00} I was given an incorrect amount and I still do not know how I can pay the escrow shortage or what the amount that has to be paid. I can never seem to get assistance I am always directed elsewhere and it is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I use Capital One banking services and they have been the BEST yet. XXXX XXXX credit card issued a line of credit to me. They have allowed charges to be posted and had me pay for those charges. One charge was contested and credit given back. This month the charge is back and l am expected to pay for it. No less than five times since last year l have requested a card and to date l have no card with a line of credit they keep open and allow recurring charges to be made. I understand credit is their 's to extend or reject. But why keep a line of credit available with no way to access it. The only one with access is XXXX XXXX and they ok charges without ever giving me any say so, until after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-11 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: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-11 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: NY

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Mr Cooper is PURPOSLEY misleading. They haven't addressed anything since my original complaints in XXXX. They provide no new evidence to support that they are losing documents, how documents are stored when asked directly, retrieval specific itemized of documents when requested, when asking the clarification of their own 3-5 business days for modification it has never been answered the last fifteen or so complaints MR cooper and its employees have attacked my character when after years lies i send a one vulgar disrespectful email when i have sent hundred of emails begging for explanations, to speak with a representative that will help only to be ignored so when one complains to the governing agencies and nothing is done and the company that is the perpetrator doesn't admit wrong doing and continues harm the consumer with its shady tactics. im afforded protections through the FTC AND FCC for phone calls MR cooper sends the same letter almost verbatim they sent last year and its considered a response but the threshold of the consumer is so great that it has to be a class action matter in order for justice to be done. i provided the same exact documents almost exactly at the same time with the PENNSYLVANIA HOMEOWNER ASSITANCE FUND who will pay XXXX allegedly .. Not once have i gotten a call or anything so this government agency must be as absentee as mr cooper is... NOOOO its that my documents were and are valid and MR cooper PURPOSULEY didn't take anything i provided into consideration... I also filed a attorney general complaint because of the CFPB ineptness to help and OBUDSMAN inability to respond timely and help and all they did was say they are only respond cause i basically have been harrassing them and they keep showing that one email BUT CANT PROVIDE THE HUDNREDS WHEN I BEGGED FOR HELP this the most shadiest company from everyone in customer relations escalations chief compliance officer modification SPOC etc its all the same they cover up and live in the courtroom

Company response to consumer: Closed with explanation