vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am victim of identity theft and someone used my personal information to obtain goods and services in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for Equifax, under FCRA 605B, to block and remove these fraudulent account immediately or legal actions will be taken against your company. I have attached a copy of my police report filed with XXXX Police Department and FTC Report to this correspondence. 

I am requesting for the following accounts to be blocked and removed immediately due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I recently had a name change and I tried to call Exeter to inform them of my name change. As usual Exeter will not take any of my information down correctly. I informed them back over the year XXXX that I was struggling to make payment because I became ill in XXXX from XXXX. I only receive {$4100.00} a month. I have tried sending them my XXXX, Veteran Affairs Award letter and they did not want to assist me. I am an unemployed totally XXXX percent disable Veteran with XXXX, XXXX XXXX XXXX, fluctuations of XXXX levels, XXXX XXXX XXXX, XXXX, XXXX, and XXXX. The back an forward with Exeter is aggravating my XXXX XXXX. Exeter Finance still has me listed in the systems as working and did not take the car back I tried to surrender over half a year because they were listening to XXXX XXXX XXXX, a person who didnt make one payment on the vehicle and they did mot tell me any of this. I feel as if I have been discriminated against and treated unfair and without dignity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: KS

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX  Opened XXXX {$160.00} XXXX XXXX XXXX  Opened XXXX {$160.00} XXXX XXXX XXXX Opened XXXX {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have an account with Synchrony Bank for a Discount Tire card. I have made every payment on time and never been late. They lowered my credit limit and it effects my credit score because my utilization went up.

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 2023-01-07 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: GA

Complaint narrative:
There is a collection account on my report that I have no knowledge of. When account was disputed, no details on how the company determined the account is mine XX/XX/XXXX - Dispute opened with Experian XX/XX/XXXX - Dispute opened with Experian XX/XX/XXXX - Dispute opened - letter attached to online dispute with 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 2023-01-07 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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/2022, I called Barclays Bank to cancel my credit card account. They advised me the credit card account was 90 days past due. On XX/XX/2022, late fees were reversed and I paid the account in full. I requested the account to be closed. In 2022, Barclays Bank failed to send statements due to XXXX XXXX. The Barclays Bank credit card was set up for automatic payment of full balance due if the amount for the ebill was {$1000.00} or less via XXXX XXXXXXXX XXXX XXXX Online Banking. XXXX XXXX XXXX  issued a letter dated XX/XX/2022 stating that my Barclays Bank credit card was enrolled in ebills. XXXX XXXX bank did not receive any ebills from Barclays bank in the year 2022. This information was submitted to Barclays Bank as proof that no bill was sent to me. In a letter dated XX/XX/2022 Barclays bank received the dispute and believed that their information was accurate and refused to correct 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 2023-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AL

Complaint narrative:
I filed for lost mitigation with my mortgage company. They refuse to accept my self employment information. That was the last information that needed to be submitted for the company to consider my options. I gave them a copy of my tax return and they did not accept it. On my tax return my signature was not on the second page of the form. That was because my tax form was electronically submitted. In my tax return documents there was an electronic postmark certification of electronic filing. I was told that my tax return would not be accepted because my signature was not on the second page and the electronic postmark does not matter. I was also told that if I sign it and submit it that still would not matter. The company has a statement on their website that says a copy of my tax transcript can be submitted. I submitted it and they will not say why they will not accept the form. When asked they just tell me the information about the signature on my tax return. I have ringing in both of my ears that comes with pain and pressure. I do not have hearing loss but the ear exam that I submitted with my application shows the vibrations of the ringing. I was told since there is no hearing loss I can not be classified as having tinnitus so that I can get XXXX. I changed occupations and have been dealing with my issues but it became hard this last year because the pain would get so bad I could not get out of bed most days. I tried a natural remedy and it reduced the pain enough to get out of bed and work through it. I was asking for help for the last year and not long term assistance. I would like for the company to look at my application and see if there is anything that can be done based off the fact that I submitted all of the documents required.

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 2023-01-07 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: AL

Complaint narrative:
The XXXX XXXX on my credit report needs to be removed or deleted. This account does not belong to me, I have no contract with this agency. This account has been deleted off my XXXX credit report and needs to be delete off my equifax report as well. Attached is proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: GA

Complaint narrative:
Ive spoken with each credit reporting agency about this matter. They was suppose to be removing inquires within XXXX hrs and mail updated copy of my report which none of the companies did. Which is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive spoken with each credit reporting agency about this matter. They was suppose to be removing inquires within XXXX hrs and mail updated copy of my report which none of the companies did. Which is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I currently have an outstanding balance of {$5900.00} with Rocket Mortgage despite having assistance from the Homeowners Assistance Fund. The majority of the balance is due to attorney fees imposed by Rocket Mortgage because HAF was late in making the payments to Rocket Mortgage. Please help me in any way that is possible. Thank you so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: Penn Credit Corporation
State: GA

Complaint narrative:
On my credit report there is an outstanding collections from city of XXXX utilities stating that I owed {$500.00}. It was then transferred to XXXX XXXX XXXX. i paid the remaining balance in cash and closed out the utilities account in person at a service center when I moved from XXXX in XXXX of XXXX. I did this because I had roommates and we combined our cash to close out the account. I then received a call from XXXX XXXX XXXX a few months later saying a balance was in collections. There was no remaining balance. I have attempted to dispute it with them over the years with no success. This is the only negative mark on my credit at all. I was never even notified there was an issue from the city of XXXX, and when I tried to call them directly they told me the account was at a XXXX balance and closed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: TX

Complaint narrative:
Ive sent Equifax numerous request by certified mail and online since XX/XX/2022 to investigate and delete several accounts that do not belong to me and Equifax has failed to properly investigate the items in dispute and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: NY

Complaint narrative:
I was reviewing my credit report and noticed that there are unauthorized inquiries between the XXXX credit bureaus. 

It appears as if on XX/XX/XXXX someone tried to apply for lending in my name with all three bureaus. 

As you can see, I have a very limited and responsible credit profile. 

I disputed this with the bureaus on XX/XX/XXXX and all letters were received XX/XX/XXXX by XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX and never got any response back. 


I have asked the bureaus to either validate or completely remove these inquiries and they have not done so. This has been XXXX  months now. They are coming up as mortgage companies and I have never applied for a mortgage before, have never even considered it. It is the only inquiry on my credit report in the recent future, I applied for a XXXX charge card right before, that is the last valid inquiry on my report. 


XXXX XXXX XXXX XXXX XXXX XXXX Reporters XX/XX/XXXX TransUnion XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-07 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: FL

Complaint narrative:
XXXX XXXX XXXX Account # XXXX My Account have with them currently. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/2022 XX/XX/2022 Im still Current Member with Attnt, Internet and Phone Line.Attnt stated it should already be removed off of my account since I had already paid it since XX/XX/2022. So, I called and then try to dispute it with the credit companies nothing was removed.

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 2023-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/2023 XXXX XXXX contacted me by phone from Regional Acceptance. Without my consent. This is a violation due to the fact that I did not give her written consent to call my phone to discuss the complaint that was filed through the CFPB days before contact. So the following day XX/XX/2023 I texted her to let her know she was in violation and also tried to get her to go back to the cfpb or even email me. Instead she proceeded to try to figure out why the complaint was made to begin with. I went ahead and told her and she denied any laws that were given to her. She stated she wanted to know why I felt discriminated against. I proceeded to tell her. I also want to add other reasons to my complaint. If you look at 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) statement of specific reason basically the reason for the adverse action is discrimination due to the fact that a person with a credit score of XXXX gets approved and a person with a XXXX doesnt. So the specific reason is in fact insufficient. Due to the fact that a fico score or debt can not be used as specific reason. So what is the specific reason for the denial? This is also a violation of the ECOA I also requested to speak with the underwriter and XXXX stated that there was no underwriter. This lady continued to deny anything that I stated also known as laws she completely denied everything. She stated she would respond to my complaint in the allotted 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 2023-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: CA

Complaint narrative:
Mutual of Omaha did not include my home insurance in my escrow when they transferred my mortgage to the new servicer as I requested and paid for. They recently included only my property tax before they transferred the mortgage to another carrier from my previous complaint. As a result, it created a deficit in my escrow analysis that has fouled up my payment amount with my current carrier that they transferred me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom Mortgage has incorrectly calculated our Escrow. We have contacted the company 7 times regarding this matter. The XXXX department refunded the homeowner insurance the previous provider incorrectly purchased. However, our escrow balance has not been adjusted and they continue to charge us an extra {$50.00} per month for escrow. This has gone on for XXXX months and every time we call they say it will be fixed. We wait and it does not get fixed. This company is scamming us and our only recourse seems to be to sue them.

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 2023-01-07 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: FL

Complaint narrative:
Original Company XXXX Account # XXXX My Account have with them currently. 
XXXX XXXX XXXX XXXX XXXX {$220.00} XX/XX/2022 XX/XX/2022 Im still Current Member with XXXX, Internet and Phone Line.XXXX stated it should already be removed off of my account since I had already paid it since XX/XX/2022. So, I called and then try to dispute it with the credit companies nothing was removed.

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 2023-01-07 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I recently had a name change and I tried to contact Commenity bank to inform of my name change. They would not take my information but only wanted to take a payment. I have tried to login, however, they have locked me out and are making go through obstacles to do anything. They will not even provide me the correct name of their bank. I asked if it is Commenity XXXX or just XXXX. They are not honest about how much I owe for the month with a payment. I have informed them I am an unemployed totally XXXX disable Veteran with XXXX, XXXX XXXXXXXX XXXX fluctuations of XXXX levels, XXXX, XXXX XXXX XXXX XXXX, and XXXX. I am not asking the same amount of money anymore and the bracket that was purchased on the account is for my soon to be ex-wife who is out with other men and women and will not give the bracelet back or pay on the account. All this is aggravating my XXXX symptoms. The other companies have done the same and keep me on hold until the phone call disconnects on their end and I have start over again trying to update information & pay a bill. I feel as i am discriminated against, treated unfair without dignity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This is a continuation of XXXX. According to my records, Comenity should credit my account {$48.00}, rather than the {$43.00} mentioned in their last response. The level of inattention to detail that Comenity offers to its customers is hard to believe. Please contact them again about this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX Credit Card : Comenity Bank. 
This account was paid in full and closed in XX/XX/2022. Since the payoff and closure, this company has continued to charge fees amounting to {$150.00} on this account and refuses to reverse them, even though I paid 100 % of my balance and requested the account be closed. They are now reporting that I am 30 days late paying them to the credit bureaus without sending me a single statement explaining the fees or why I am being charged. This is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07 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: TX

Complaint narrative:
Ive sent Experian numerous request by certified mail and online since XX/XX/2022 to investigate several accounts listed on my credit report that do not belong to me. XXXX deleted the accounts off my credit report but Experian failed to properly investigate.

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