vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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: SC

Complaint narrative:
On XX/XX/2022, I wrote to the credit bureaus and requested an investigation into some items reporting on my credit. Once the initial letter was sent, I waited XXXX days for the results, but nothing was ever verified. At that time, on XX/XX/2022, I requested a re-investigation into those same items since they were still appearing on my credit report. Waited XXXX days again, and the items still appear on my credit report and they have not been verified as required by the FCRA. The accounts in question are as follows : XXXX XXXX XXXX XXXX This was a pay per delete account. 

XXXX XXXX XXXX XXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXX XXXX XXXXXXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXXXXXX XXXX I have never been late on this account XXXX XXXX This is a pay per delete account XXXX XXXX XXXXXXXX XXXX I have never been late on this account XXXX XXXX  XXXX I have never been late on this account

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 2022-06-22 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: SC

Complaint narrative:
On XX/XX/2022, I wrote to the credit bureaus and requested an investigation into some items reporting on my credit. Once the initial letter was sent, I waited XXXX days for the results, but nothing was ever verified. At that time, on XX/XX/2022, I requested a re-investigation into those same items since they were still appearing on my credit report. Waited XXXX days again, and the items still appear on my credit report and they have not been verified as required by the FCRA. The accounts in question are as follows : XXXX XXXX XXXX XXXX This was a pay per delete account. 

XXXX XXXX XXXX XXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXX XXXX XXXXXXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXXXXXX XXXX I have never been late on this account XXXX  XXXX This is a pay per delete account XXXX XXXX XXXX  XXXX I have never been late on this account XXXX XXXX  XXXX I have never been late on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Rocket mortgage unauthorized soft credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding, LLC aka Midland Credit Management is garnishing my wages for a time-barred debt that is no longer legally collectible and has not been legally collectible for some years now. I don't normally print out my paycheck stubs for work. When I did, I see that they are garnishing my wages and have been. Looking at my paycheck stubs, they stopped collecting and started back garnishing again. This illegal practice has now put me in a financial bind. I do not owe them anything and would like all of my monies rightfully returned to me. This company has already threaten me recently with a notification on their correspondence stating, " The law limits how long you can be sued on a debt. because of the age of your debt, we will not sue you for it. If you do not pay the debt, Midland Funding, LLC may continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' I interpret it as their company will continue to attempt to illegally collect on monies not owed and continue to negatively affect my credit score and livelihood until I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
Community Loan Servicing residential was bought out by a company named XXXX XXXX. I paid off my residential loan and Community Loan Servicing owes me a large escrow check. They are not picking up and the new company has no record of my loan, address or anything. Help! I can't be the only one that got caught in the company being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: WA

Complaint narrative:
We owed a debt with the company Pro Collect. We paid the settlement amount however after 90 days they have yet to accurately report to the 3 credit bureaus as promised.

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 2022-06-22 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
There are inquiries on my credit report that I did not make nor authorize. I asked that these companies and credit bureaus correct these errors and remove these false inquiries off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amex - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: DISCOVER BANK
State: GA

Complaint narrative:
There are inquiries on my credit report that I did not make nor authorize. I asked that these companies and credit bureaus correct these errors and remove these false inquiries off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Discover financial Serv - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Farrell Holdings, LLC
State: IL

Complaint narrative:
Im a little late on my car loan but I also get a 10 day grace period. They call me non stop on different numbers, every 5 minutes. It distracts me at work and while driving. If Im late one day, I get so many phone calls from different numbers from the car loan company. The name is XXXXc, thats the car loan company. They dont stop calling, they call about 50 or more times every single day, thats uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/2022 I called PayPal because my statement showed two transactions that I have no knowledge of. He/She stated to me that they did not see the company nor did they see any transactions on their end. And told me I had nothing to worry about just ignore it.. I told the representative if I receive money your going to confiscate it.. The representative told me no. Im like oh wow! A little over a month later.. I see both unauthorized charges.. When I click on them.. Nothing is found. I want the removed & my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX started forbearance. Every 3-6 months Caliber Homes offered more months as I was paying escrow at the same time. This I believe lasted 18 months. ( Can not see on my loan because they have locked me out ) XX/XX/XXXX, I submitted online a loss mitigation application ( with email saying it was sent ) and never heard back from them, so I assumed everything was fine with the application. XX/XX/XXXX, received letter stating default amount. ( assuming this was the forbearance they promised to defer to the end of the loan ) Not once have any of us on the loan received a past due notice for anything. XX/XX/XXXX both my husband and I received phone calls and texts from the same person out of XXXX wanting to purchased our home because she saw it was in foreclosure. That is when I reached out to Caliber Homes once again on XX/XX/XXXX to see what was going on, they stated I was past due {$50000.00} and could be reinstated with additional fees. XX/XX/XXXX started a new loss mitigation application and still submitting paperwork back in forth because they will not assist me on filling the paperwork properly the first time. I also have recorded phone calls which prove that they will not assist or work with me. At the beginning of this new application they never ask for a recorded quit claim deed from my dad, but now on XX/XX/XXXX they are requesting it. Me nor my husband have been served any papers yet, which we have always occupied the home from the beginning. They served my dad on XX/XX/XXXX located in a different county right before he was on his way to take my mom for XXXX treatment. They also served my mom as well under unknown spouse. My dad does not want to do the quit claim deed because he can not claim the property if something happens to either myself or my husband. This hurting our credit and well as our business which is our livelihood to afford our home. 
All attachment that I include are processed or in process because of necessary corrections in which they will not assist me with. Not one time have we been instructed for any counseling. XX/XX/XXXX they also refused escrow payment or any payment under the {$50000.00}. We can provide all documents and audio recordings. Too many to upload, but below will give you an idea.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In 2020 due to the pandemic/covid my account was in deferred payments. As you can see in the attached picture. In XXXX and XXXX my account was marked as " No data '' because is was in deferred. However, due to a bank error. My payment history is showing late payments for XXXX and XXXX. 

WELLSFARGODEALERSVCS Late Payments : XXXX 2020, XX/XX/ 2020 2020

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 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX I Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from 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 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: WA

Complaint narrative:
Claim # XXXX We filed the below complaint back in XXXX. This was the company 's response : " We have forwarded this complaint to our client for reinvestigation. Unless and until our client responds to the query, we will order the item deleted from the credit bureaus. '' So far we have heard nothing! This is still on all XXXX credit bureaus and its preventing us from attaining a mortgage. We need this off our report, please. 

Here is my original complaint : We lived at the Mansions at XXXX XXXX. Our lease was up XX/XX/2021. We told the leasing agency that we were unsure if we were going to resign our lease as we had orders to move to XXXX however, we weren't sure if the orders were going to come through. This was in XXXX, XXXX. The management office threatened us with increased rent and fees if we did not give them exactly XXXX  days to resign the lease for XXXX more months even though we weren't sure if we were going to stay or go. We were bullied into signing the lease for another year. BEFORE our ORIGINAL lease was up we got orders to move to XXXX, Washington and we told the leasing agency that we were in fact going to move out and to please cancel the new lease before it took effect. 

The manager, as well as the assistant manager, said that it was not going to be a problem and that they would work with us. All keys were turned in on XX/XX/2021, ( 14 days before the lease was up ). The apartment was cleaned and looked brand new. We have pictures. A month later the leasing agency sent us a letter stating that we owed for cleaning and for XXXX 's rent. I was perplexed because they had already rented out the new apartment. I spoke to the manager and she said that the management company required us to pay XXXX 's rent even though new tenants had already signed a new lease and had already moved into the unit. The manager expressed that even though we didn't start the new lease, we still owed for XXXX. 

This was news to me. I don't believe we should have to pay for XXXX 's rent and the cleaning fee. We vacated the apartment when our original lease was up. If the apartment had any regular wear and tear, the month of XXXX would have been the time for Maintenace to go in and fix it, giving the new tenants a fresh new place to dwell. We do not owe for XXXX 's rent. Please help us with us. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Start Connecting dba USA Student Debt Relief
State: GA

Complaint narrative:
On XX/XX/XXXX the USA student debt relief company posing as a legitimate student debt forgiveness company, took out my personal information, such as my email and password to enter my studentaid and manage my account, thus making me believe that thanks to them and for contacting them they were going to forgive me the student loan up to XXXX XXXX dollars, that I only had to make an initial payment of {$120.00} for XXXX months until month number XXXX I would pay for XXXX months plus {$9.00} dollars, fraudulent arrangements of XXXX  dollars that would go to their pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Please remove it from 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 2022-06-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-06-22 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
To Whom it May Concern : After pulling my credit report, with the intention of improving my credit and taking care of my responsibilities, I noticed a few accounts with INACCURATE INFORMATION reported. I filed a dispute with Experian and the results came back as " updated ''. I sent in documents via mail to the address on their website but they claimed to never have received them. I have proof of delivery/tracking info and the investigation request letter attached to this complaint. The investigation was NEVER thoroughly performed and the information was NOT updated correctly, they only added a false comment about investigating as the update. Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609. Please provide me with copies of the original sources for the items reported. That includes contracts or service agreements I signed with CORRECT DATES. If this information is not available, please note that the validity of these items can not be determined therefore must be removed from my credit history under 15 U.S.C. Sec. 1681i ( a ). 
If you can not furnish, I am requesting that all inaccurate accounts be deleted/removed from my credit history/report. Thank you for your time and help in this matter. The accounts in question : US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX 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 2022-06-22 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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