vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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:
Disputed item listed on Experian as lease XXXX XXXX XXXX XXXX Opened XX/XX/21 {$5100.00} original bal 2 months past due Account XXXX XXXX phone Answer from Experian - debt verified by lender No changes made to your report. 

Called lender they had a hard time finding the account in question because they insisted on looking up account via phone number or email used. I of course dont know either. They finally found the account. They did confirm the amount on credit report. They transferred me to collections. I explained the error got mad and said they would look into it. 

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 2022-03-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was paying XXXX XXXX XXXX to correct my credit. they did remove one creditor. I asked them to remove a company I knew nothing about, and they said they could not remove that company. The name of the company is called XXXX. I never asked this company to do anything for me..they claim, they are helping me to raise my score. I never asked this company XXXX to raise my score or put anything on my credit period. I don not know these peopel. I sent them an email and asked them to remove whatever they have on my credit report. EXPERIAN keeps raising my score up and down every month as poor, one month they bragging I am doing good, and the next month my scores are keep going up and down. I have only one bill I am paying at this moment and that is " XXXX '' and i am never late late on that. I have had issues in the past, but one I made an agreement with to pay them off at {$350.00} and that was XXXX. I gave XXXX XXXX  {$300.00} and I only owed them {$50.00}. ) ) more dollars for tha greement to pay them off. I go back online and they are saying I owe them almost XXXX XXXX dollars, and we agreed to close the account for XXXX. These credit comapnies are not reporting my credit profile as they should. I believe, they are trying to make me pay people to get me to have a good credit score.

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 2022-03-04 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: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
XXXX and XXXX both have my mortgage with Caliber Home Loan as being delinquent. 

I filed a complaint against Caliber Home Loan back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My Caliber loan was closed. 

To my surprise, I checked my credit score and XXXX, XXXX and maybe XXXX now have my account as delinquent. 

I called Caliber and they confirmed I was never delinquent or late.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Our XXXX city taxes were not paid by our mortgage company, Mr. Cooper. I was notified by our city dept in XX/XX/XXXX. I worked with Mr. Cooper and on XX/XX/XXXX, Mr. Cooper completed a tax analysis, corrected the tax amounts for both the City of XXXX and XXXX XXXX. The XXXX city taxes, {$550.00}, were then paid correctly. At this time ( XX/XX/XXXX ), they also showed the correct amount for XXXX XXXX, {$1800.00}. On XX/XX/XXXX, I received a new tax analysis that changed both XXXX of XXXX ( {$66.00} ) and XXXX XXXX ( {$220.00} ). These were not the correct amounts. I retreived the XXXX tax statements from both XXXX XXXX ( {$1800.00} ) & the XXXX of XXXX ( {$550.00} ). On XX/XX/XXXX, I sent a message after hours within Mr. Cooper 's secure message system with the tax statements and a request to have them pay the correct amounts to both the City and County. I also asked for them to call me and confirm this was handled. My wife called on XX/XX/XXXX and talked to their XXXX dept. She was told this was being escalated and it would be handled. They said the would follow up once it was resolved. On XX/XX/XXXX, I called Mr. Cooper because I had not received a follow up call. I was assured this would be handled and the taxes would be paid. I called again on XX/XX/XXXX. The agent worked with me to find the correct tax amounts online and entered them into their system. He then worked with the escalation team and they said this would be paid on XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX, neither have been paid and we are getting the same story from Mr. Cooper. The property taxes are now late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The existing problem with these consumer reporting agencies is still not resolved. I still have incorrect information reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: PA

Complaint narrative:
The existing problem with these consumer reporting agencies is still not resolved. I still have incorrect information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHWEST FUNDING, LP
State: TX

Complaint narrative:
I consulted with a representative of Southwest Funding to refinance my home mortgage. I actually have two loans that were going to be rolled into one large one, in excess of {$500000.00}. Since my income alone was not able to qualify for the refinance, my parents were set up to co-sign for the loan. I was repeatedly told that everything looked good. At the last minute, however, the agent told me that the underwriter was requesting a letter to be written by a financial institution that needed to state something that was not true. The letter was to state that a particular annuity would provide a specific amount of money every month for a certain duration. I explained to the agent that was not how that particular annuity worked, and that all the other sources of income were more than sufficient to cover the amount in question. Though the annuity COULD regularly provide the requested funds, it would be financially unwise to do so, and that promising that it WOULD provide them would be dishonest. He told me that the letter was an absolute requirement, and that I would be free to renege on that promise after the loan went through. I explained that, to my understanding, making a statement that was false for the sole purpose of obtaining a loan constitutes fraud. He then told me that his superiors at Southwest Funding therefore decided to refuse to do business with me. My complaint is that Southwest Funding asked me and my family to commit fraud by misrepresenting our financial situation in order to obtain a loan, and when I refused, they ended the business relationship. I have documentation that supports every aspect of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Flagstar Loan ( Mortgage ) As per the Cares ACT, Flagstar is in the process of loan modification of my primary home loan. My mortgage did not have any escrow account previously but when the loan modifications documents arrived, there was an shortfall of {$9100.00} added to the escrow calculation in the paperwork. After calling Flagstar it was determined that although it was not an escrow account, they paid my property taxes ( and insurance ) of which they received back the amount of the property taxes back from the taxing authority as I had also paid the property taxes. This was confirmed by their escrow representative XXXX on XXXX on the phone with me. I am trying to get the loan modification document re-drawn reflecting without the property taxes since XXXX but there are been no resolution. I call at least 3 times each week ( I have records ) speak to agents and the escalation teams, they promise to resolve this every time and I keep getting the run around. The different departments Customer Service, Escalations, Escrow, and Underwriters seem to be very dis-jointed. No one person will take responsibility to resolve the issue. They promise resolution and ask me to call back and I get the run-around again. Extremely poor organization in this regard which leads to bad customer satisfaction. I am afraid that they will tag my loan as delinquent and process foreclosure against the Cares Act. I have returned the loan modification document with a covering letter, uploaded the covering letter to their website under my loan, called them at least 12 times, but no resolution. I need this resolved immediately.

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 2022-03-04 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: MECHANICS BANK
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following information was sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail while providing any documentation, ie DL This has caused hardship on my household. 
My information is constantly on the XXXX web, I'm alerted every week about how a new inquiry for a new account ( credit, car, house ) in my old name and addresses. My name has been different for over a year, and all the other names on my account are either misspellings or haven't been my name for over 20 years.

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 2022-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following information was sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail while providing any documentation, ie DL This has caused hardship on my household. 
My information is constantly on the XXXX web, I'm alerted every week about how a new inquiry for a new account ( credit, car, house ) in my old name and addresses. My name has been different for over a year, and all the other names on my account are either misspellings or haven't been my name for over 20 years.

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 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Municipal Collections of America Inc.
State: MO

Complaint narrative:
Municipal Collections of America called my elderly father multiple times on XX/XX/2022, to try and collect a debt issued by Iowa XXXX 's automated ticketing system. Despite my father 's voicemail clearly identifying himself as him ( and not me ), they continued calling him throughout the day. 
When I called them ( because my father asked me to ), I first wanted to know why they called my father and not me. I never got that far, because when the woman I spoke to informed me that she was recording the call, I informed her that I was also recording the call. She immediately hung up after stating that she did not consent to being recorded. 
Missouri is a one-party consent state and so is Iowa, in regards to recording calls, so I have no idea why she disconnected the call. I have received no direct communication from the debt collector at any point. The only reason I called is because they were harassing my father and he asked me to call them back so they'd leave him alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: PA

Complaint narrative:
I submitted and disputed inquiry from XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Federal Government XXXX XXXX XXXX XXXX XXXX, TX, XXXX ( XXXX ) XXXX I never applied or give permission to use or run my credit. I dont know wht this company is for or why they have my credit information. i filed a police report in XX/XX/XXXX with the XXXX district # XXXX for someone using my name and ssn for unemployment. I also placed a fraud alert on my credit reporton XX/XX/XXXX. Experian said inquiry will remain on my report for 2 year. and i dont understand how when i give them the required information that I'm a victim of identity theft.

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 2022-03-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries that are reporting on my credit report are inaccurate inquiries that were not put on my report by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion and XXXX both have my mortgage with XXXX XXXX XXXX as being delinquent. 

I filed a complaint against XXXX XXXX XXXX back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My XXXX loan was closed. 

To my surprise, I checked my credit score and Transunion, XXXX and maybe XXXX now have my account as delinquent. 

I called XXXX and they confirmed I was never delinquent or late.

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 2022-03-04 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: NJ

Complaint narrative:
XXXX and Equifax both have my mortgage with XXXX XXXX XXXX as being delinquent. 

I filed a complaint against XXXX XXXX XXXX back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My XXXX loan was closed. 

To my surprise, I checked my credit score and XXXX, Equifax and maybe XXXX now have my account as delinquent. 

I called XXXX and they confirmed I was never delinquent or late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX and XXXX both have my mortgage with XXXX XXXX XXXX as being delinquent. 

I filed a complaint against XXXX XXXX XXXX back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My XXXX loan was closed. 

To my surprise, I checked my credit score and XXXX, XXXX and maybe Exparian now have my account as delinquent. 

I called XXXX and they confirmed I was never delinquent or late.

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 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD bank told me that even if I tried to deposit money into the account to avoid overdraft fees, it would not make a difference because it was too late even for transactions in outgoing pending status. I need help with helping this bank reform its predatory fees schedules.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
My Property at XXXX XXXX XXXX in XXXX RI was foreclosed in XX/XX/XXXX. From XX/XX/XXXX through XXXX, XXXX XXXX XXXX has report to the credit bureaus that I am making late payments when I no longer have a loan with them. I have been trying since XXXX to get them to report correctly. I have called countless times and spoken to supervisors, who never call back. The loan number XXXX shown on credit report as XXXX does not come up in their system when I call them. my social security number does not come up in their system. I am on hold or speaking to them for hours at a time while they try to figure it out but cant seem to fix it. I am told by supervisors that they will research and call me back. Most recently XXXX and then XXXX and then on XX/XX/XXXX XXXX XXXX from the XXXX Texas office. All were suppose to be supervisors. 
Each were suppose to call me back within 3 days. None did. I called back today XX/XX/XXXX and asked for XXXX XXXX at XXXX am. I was told she was not in yet and they would have her call me. At XXXX I called again and got someone who tried to get her or another manager on the phone. He said not one supervisor or manager was available and that I should submit a dispute with the credit agency 's. I have done that many times, with no resolution. 
I have a copy of the deed being released to new people in XXXX of XXXX. I have a copy of the 1099 issued where I paid taxes on the amount the bank did not make back on the sale of the property at auction. I understand that the foreclosure will remain on my reports however, they should not continue to report my payments as late after the sale of the property. I was never given any information stating I owed them payments of any kind and no one I have spoken with indicates that I do owe anything. They all say the balance is zero. Some are nice but many are rude as though my hard times and a foreclosure makes this my fault and resolves them from the responsibility to correct this. I have spoken to countless people, hired two credit repair companies and still nothing has been corrected. This has been four years. It is reported incorrectly on my ex husbands reports as well. 

My name : XXXX XXXX My Ex Husbands name : 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