vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX someone other than myself submitted a credit inquiry for CommenityBank/Victoria. I do not recognize this inquiry Ive attempted to reach out to XXXX  and the creditor since XXXX of XXXX and nothing has been resolved. 

On XX/XX/XXXX someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX Someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX someone other than myself submitted a XXXX XXXX XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted XXXX  to dispute this over the phone and its still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA

Complaint narrative:
On XX/XX/XXXX someone other than myself submitted a credit inquiry for XXXX. I do not recognize this inquiry Ive attempted to reach out to XXXX  and the creditor since XXXX of XXXX and nothing has been resolved. 

On XX/XX/XXXX someone other than myself submitted a credit inquiry to First Invst/SVC XXXX. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX Someone other than myself submitted a credit inquiry to First Invst/SVC FIRST. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX someone other than myself submitted a XXXX XXXX XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted XXXX  to dispute this over the phone and its still 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 explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: SC

Complaint narrative:
On XX/XX/XXXX, a payment of {$170.00} was made to Avante to settle a debt owed to XXXX furniture store. Before payment was made, it was communicated that this debt would be deleted from XXXX credit reporting bureau and this has not yet been deleted as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
ISSUE # 1 XXXX is billing me for services NOT received. 
My service was disconnected XX/XX/2020. 
I switched service in order to work from home, due to the coronavirus, XX/XX/2020. 
XXXX has not credited my account for the XX/XX/2020 payment of {$250.00}, even though the check was cashed ( Check # XXXX, cancelled XX/XX/2020 ). 
XXXX XXXX records show service through XX/XX/2020. 
I have communicated this dispute in writing to XXXX on 4 occasions. 
XXXX has sent this debt to collections and it is on my credit report. 

ISSUE # XXXX XXXX has credited my other account {$140.00} XX/XX/2020 and sent me a XXXX card for the same amount. 
On XX/XX/2020, I received a notice from a collection agency on behalf of XXXX, for the amount of {$140.00}. 
I have communicated this dispute in writing to XXXX and the credit collection agency on 3 occasions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a complaint regarding two debt collections that are in error to you. Complaint Number XXXX. After checking my credit report the debt collector XXXX for XXXX XXXX was taken off my credit report. I checked my credit report on XX/XX/21 and it was put back on my credit report. The other XXXX  for XXXX is being paid monthly by XXXX XXXX XXXX XXXX. I was told that when a collection is settled my credit score should go up. That did not happened. XXXX ghosted my social security number. XXXX XXXX XXXX is the debt collector not 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 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
Inaccurate payment history reporting, Inaccurate amounts owed, reporting different amounts on all three credit reports. Reporting as pass due on a collection account. Account being reported charged off and paid on time simultaneously in the same month. Account reporting as collection and charge off simultaneously from two different companies. I disputed this account twice and it still returns as account verified even after sending documents and copies of my credit reports showing the inaccuracies and violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2021 I reported 3 times that there was fraudulent activity on my XXXX XXXX XXXX. I was hung up on several times ( many customer service providers are not in the XXXX, I had trouble with accent and they couldnt understand what I was trying to relay to them ) I had to be transferred 5 times each call, each dept stating I needed to speak to another dept. The online " send us a message '' is not working and hasnt been working since early XXXX. 
Most charges were removed, but the interest was not adjusted and XXXX XXXX XXXX Bank notified my credit bureaus I was over limit etc.. It was told to me via phone this was all going to take a couple weeks. I can not reach anyone who can help, I cant even send an email or other electronic form of message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint regarding two debt collections that are in error to you. Complaint Number XXXX. After checking my credit report the debt collector XXXX for XXXX XXXX was taken off my credit report. I checked my credit report on XX/XX/21 and it was put back on my credit report. The other XXXX  for XXXX is being paid monthly by XXXX XXXX XXXX XXXX. I was told that when a collection is settled my credit score should go up. That did not happened. XXXX ghosted my social security number. XXXX XXXX XXXX is the debt collector not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
I own a XXXX unit rental property in XXXX XXXX California, and recently, I refinance to get a better interest rate. Upon the closing doc I was made aware that my payment would be {$4.00}, XXXX which covers interest and principle, insurance and taxes. 

Then I received my first monthly mortgage payment which is way higher than what I signed at closing and the new amount is now {$5800.00} I have already written to them and am yet to get an answer from them. In that letter I sent, I made them aware that I will continue to pay for what I signed for which is {$4900.00} and not the new amount. 

Name of escrow : KEY ESCROW XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX Fax XXXX XXXX XXXX Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX My Info XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Long Beach CA XXXX XXXX : XXXX XXXX XXXX Cell : XXXX XXXX XXXX Property Financed : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Agent : XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
on XXXX I received a text message from Chase informing me of a XXXX transaction for {$930.00} to XXXX XXXX. I did not authorize this transaction. I called Chase immediately and began a claim for fraud. Chase opened a claim number XXXX. I went to the local branch and closed my account and opened another. I also received XXXX secure messages from Chase on XXXX, XXXX sent at XXXX stating that a payment to XXXX XXXX XXXX cancelled because they didn't hear back from me. I received another message stating the same at XXXX on the same day, XXXX. 

On XXXX I received another text message form Chase informing me that XXXX XXXX transactions totaling {$1600.00} were processed to a person named XXXX XXXX, XXXX not authorize these transactions as well. I called Chase and began a claim on this issue as well, claim number XXXX. 

On XXXX I received a letter from Chase stating that the first transaction from XXXX was authorized and processed correctly. I called the chase fraud department and asked that the reinvestigate. I was told that I needed to provide evidence that i did not make the transaction. i asked what evidence I might provide that would serve as proof, the operator could not answer my question. 

On XXXX I filed a police report with the XXXX XXXX Il Police XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My transunion score went down 73 points onXX/XX/2021. I was in the process of buying the home and taking homebuying classes so I was required to pull my free annual credit report regularly. I was pre-approved for a home loan by XXXX XXXX XX/XX/2021 and understood that a hard inquiry would cause a dip in my credit score. My XXXX went down 10 points or so and my XXXX score went down a 10-15 points as well. My transunion score to a drastic dip with no change in the report other than the lenders hard inquiry. I spoke with XXXX from transunion on XX/XX/2021 after reviewing my credit report for any inconsistencies or reasons for a 73 point dip. XXXX had great customer service but Transunion could not provide any reason why this dip only occurred with their company. I was not offered any resolution or investigation to this situation. This has affected my life in a way where I may not be able to purchase my new home. I am aware credit scores are created on a algorithim but I am also under the impression that systems can have errors even within the algorithim method. My credit usuage and items on my credit report have not changed other than the hard inquiry on XX/XX/2021 by my lender. Transunion deducted 73 points from my credit score with no explaination. When speaking to customer service they were not able to advise why this happened nor refer to help

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 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: NC

Complaint narrative:
I have refinanced my primary home address XXXX XXXX XXXX , XXXX, NC XXXX on XX/XX/XXXX XXXX from XXXX to Better mortgage. but better mortgage did not pay refinanced amount to XXXX XXXX till XXXX. almost 110 days after closing. 

meanwhile, XXXX XXXX kept on communicating me over phone and mail to me since XX/XX/2020 that they want their mortgage or they wil report credit agency. 
my credit and my paymnet history is superb in my life. and i kept on talking to Better mortgage and XXXX XXXX  about this mess and i was very under pressure and upset about this mess. 

now better mortgage did settlement with XXXX XXXX on XX/XX/XXXX and they also took XXXX USD from me as settlement. meanwhile XXXX XXXX also reported credit buiero and my credit history is still bad and i cant get loan. 
I have letter from XXXX XXXX that its not my fault and their fault. I believe Better mortgage did breach the contract for not paying loan for 110 days. so I want to claim my financial loss and time loss with better mortgage and XXXX XXXX. 
my profile is also got damaged first time in my life which caysed my otehr business plan to purchase hotel. Its been more then 200 days and my issue with refinanced still distubing me as my credit is still bad. I really need help with authority to help me Regards XXXX XXXX email - XXXX phone - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I have contacted XXXX XXXX XXXX ( XXXX ) by mail and through CFPB complaints about this alleged debt that is still reporting on my credit report. I have never made accusations about identity theft but this seems to be the route they want to go. I have asked XXXX to provide validation of this debt which they still not to this day provided. The information attached is provided. They are giving the appearance in their response to me they have provided this information when in fact they have not verified. In there in complaint # XXXX they stated they sent an identify theft verification form. No such verification was provided by XXXX. XXXX is still reporting on my credit report which is considered a collection tactic and a violation of the FDCPA and harming my character which is a violation of the FCRA. So I will ask again because I am prepared to take this to the state AG office to provide the following to the CFPB and myself : How has this debt been verified and certified to be accurate under the FDCPA? 
Relationship documents XXXX has with the original creditor. It must contain quitclaim language. ( A STATEMENT IS NOT ENOUGH XXXX MUST BE COMPLIANT )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am exhausted from TransUnion blatant disregard for my cosumer rights. Violation after violation has been committed under the Fair Credit Reporting Act. The Act clearly states credit reporting companies has 30 days to complete dispute or the item in question is removed due to its unverifiable status. I will not stand for this anymore! TranUnion needs to remove the following items from my credit report. The items are submitted with this complaint. Failure to comply will result in a civil lawsuit againgst TranUnion. TranUnion clocks starts now. They have 10 days to remove the items or the whole corporation will be hearing from my lawyer The Law is clear!

I have ask for pertinent information in their dispute results which is verifired as accurate but I have not gotten any infromation. These two current dipustes have been over 30 days. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a notice indicating there was a change in my credit score. When I review my score, it had declined by 17 points. I checked XXXX, XXXX  and Transunion, there was not an explanation given as to why. I've continously reviewed my credit bureau for an explanation, however, there are no justifications listed as to why. This decline appeared in XX/XX/XXXX or XX/XX/XXXX. I would like to understand why there was a decline of 17 points on my 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 explanation
Consumer complaint received 2021-03-24 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: MD

Complaint narrative:
Equifax sent me an email stating this same collection ( Complaint ID XXXX ) was on my credit report with them. They only change the date to XX/XX/2021 as the date reported. I attempted to do a fraud report, they responded with statement of on going investigation in progress. They would not let me submit/or accept my request. Their reporting agency is the only one that has XXXX me over for years with their credit reporting. This time I'm not gon na stop till they correct their problem with is causing me problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpha Recovery Corp
State: IL

Complaint narrative:
I received a collection letter from Alpha Recovery Corp. on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for a settlement. The agent stated {$450.00} was the least they would accept. I paid {$400.00} by check and set up another check deduction on XX/XX/2021 for {$58.00}. On XX/XX/2021, I called and requested a letter stating the dispute was settled. The representative stated he would put in a request to email the letter and I will receive it by XX/XX/2021. I received a letter stating I owed {$130.00}. On XX/XX/2021, I went in online and paid the {$130.00}, I called the company on XX/XX/2021 and asked why they were not honoring the settlement. The representative XXXX XXXX said, it was an error and the account was settled and closed. I requested a settlement letter via email. I was informed that I would receive it in a couple of hours. She advised me to call again about the payment I submitted online because it has not processed. On XX/XX/2021, I got an alert from all 3 credit bureaus that I had a collection from bureaus investment for {$80.00}. I called XXXX XXXX and spoke with a collection manager named XXXX. He stated that I settled the account and did not pay it in full. He told me to stop talking and listen. I asked why would you give me a settlement then report that I owe {$80.00}. It makes no sense. I never received a receipt or letter stating the account was settled. I explained that I paid {$130.00} from the letter after you agreed to give me a settlement. He became frustrated and aggressive with me and emailed me a letter with the final payment amount of {$58.00} and balance due {$80.00}. I called thee additional times in effort to speak with his boss. They were answering the phone and not saying anything. I repeatedly said hello. This company is deceptive and misleading. The representative settled the account now they are reporting me as having a collection to the credit bureaus. I asked XXXX for the bureaus number and he gave me XXXX. Which is not a number. I have valid concerns and the company refuses to be honest. They are being evasive and giving me the run around.

Company response to consumer: Closed with explanation