vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: NY

Complaint narrative:
On XX/XX/XXXX, I asked Transunion, XXXX  and XXXX  to verify two accounts ( XXXX XXXX and XXXX ) that were reporting inaccurately. They responded on XX/XX/XXXX stating that the Original credit, past due, terms and rating were updated on the XXXX Account for Transunion and the XXXX account remained the same. 

I then responded on XX/XX/XXXX to Transunion, XXXX and XXXX  because XXXX was still reporting inaccurately with three different months for the same late payment. Transunion reported XX/XX/XXXX, XXXX  listed XX/XX/XXXX and XXXX  reported XX/XX/XXXX. XXXX has since removed the late payment, however, it remains on XXXX  and Transunion. If the same creditor is verifying payment history on the account to all 3 of these bureaus, then how can the dates be different across both bureaus? 

I also responded to on XXXX XXXX to the XXXX  account still reporting inaccurately with different dates of last activity. Transunion has it listed as XX/XX/XXXX, XXXX  has it listed as XX/XX/XXXX and XXXX  has it listed as XX/XX/XXXX Again, how can these dates be different if the information is being verified with the same creditor? 
The bureaus responded and XXXX is still reporting with different date of last activity as XX/XX/XXXX for Transunion, XX/XX/XXXX for XXXX  and XX/XX/XXXX for XXXX  which is inaccurate.

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 2020-12-17 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: NY

Complaint narrative:
On XX/XX/XXXX, I asked XXXX, XXXX  and Equifax to verify two accounts ( XXXX XXXX and XXXX  ) that were reporting inaccurately. They responded on XX/XX/XXXX stating that the Original credit, past due, terms and rating were updated on the XXXX Account for XXXX  and the XXXX account remained the same. 

I then responded on XX/XX/XXXX to XXXX, XXXX and Equifax because XXXX was still reporting inaccurately with three different months for the same late payment. XXXX  reported XX/XX/XXXX, XXXX  listed XX/XX/XXXX and Equifax reported XX/XX/XXXX. Equifax has since removed the late payment, however, it remains on XXXX  and XXXX. If the same creditor is verifying payment history on the account to all 3 of these bureaus, then how can the dates be different across both bureaus? 

I also responded to on XXXX XXXX to the XXXX  account still reporting inaccurately with different dates of last activity. XXXX  has it listed as XX/XX/XXXX, XXXX  has it listed as XX/XX/XXXX and Equifax has it listed as XX/XX/XXXX XXXX, how can these dates be different if the information is being verified with the same creditor? 
The bureaus responded and XXXX is still reporting with different date of last activity as XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX  and XX/XX/XXXX for Equifax which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: NJ

Complaint narrative:
This is my second attempt. They said it was not even me who submitted the complaint. It has been well over 45 days and I have not yet had this issue resolved. At this point I feel like I am being played with. Can you please resolve this issue for me. I feel I am being taken advantage of and I don't like that. I did everything I was supposed too. How can They say it is not me and I did not even upload the documents the first 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 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I started the refinance process with LoanDepot on XXXX with an promised close in 45-50 days, max 60. Once documents were submitted everything went silent and I have not been able to reach a single person via e-mail, phone, or through the portal since. In the beginning the questions were not urgent, so I let it go that no one would respond. Then a couple weeks ago I received a letter that my home insurance has been moved over to LoanDepot, but we have not closed. This is now a concern and I have been trying for weeks to contact someone, with zero response. Today I received a new, generic e-mail stating they are working on my loan and someone would contact me in 7 days. The final date to close date is in 5 days, XXXX ( 60 days ). I tried to respond to this e-mail e-mail, then again by phone, and again with the portal in a panic and nothing. Today they changed the date to XXXX with absolutely no information or notification. What can I do? Even if I wanted to walk away and stop the process, how can I when absolutely no one will response or answer their phone? I've e-mailed four seperate people, multiple e-mails, left voice messages with three people, and have sent three to four messages on the portal. I feel completely trapped with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to a Chase ATM in XXXX, NY which is not the normal ATM I use and deposited 19 checks at the drive up ATM machine on XXXX XXXX. The machine took my checks and then gave me a screen that said " there may be an error with your deposit '' call an 800 number, I tried calling and the number said I would have to call on the next business day, this occured on a Saturday. At that time I immediately went into the branch and spoke with XXXX XXXX a branch manager who assured me there was nothing to worry about the checks are there and they would give me a temporary credit for the amount of {$1700.00} which was about what I thought my deposit was. XXXX also told me " she hates that machine it's nothing but trouble '' and the problem would be resolved once they empty the machine which could take a week or two. After numerous conversations and trips to the bank, which now XXXX XXXX another manager got involved with they are telling me they can not find 11 of the 19 checks which amount to {$1000.00}. On XX/XX/2020 the bank took back {$1000.00} saying they couldn't find the checks.They say this went through 3 escalated investigations and there are no checks, this is a very difficult situation since these checks were given to me by a group of my husbands co-workers and friends because he just passed away, there were a total of 14 checks from this group and only 3 went through, the bank is now telling me I have to go back to these individuals, who I don't even know and ask them for a copy of a cancelled check or to stop payment and issue me a new check, which I explained was impossible given the sensitivity of it all. I have used ATM 's since they were invented and have NEVER had a problem, this is an unacceptable answer to me, how does 11 checks just disapear?? I am heart sick over this situation and really need some help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17 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: SD

Complaint narrative:
In XXXX i as an account manager on the account opened by my wife with whom I separated in XXXX XXXX XXXX is the individual who opened a Delta Gold American Express card and a XXXX American Express card. I was added as an authorized user at one point. In XXXX I removed myself off the two accounts. I was advised by American Express credit Bureau department that I was no longer on the account and that I was not responsible for the debt as an authorized user, and since I was removed from the account and no longer an authorized user not responsible for the debt. I filed for divorce in XXXX. The account was not paid on by XXXX the account is past due and despite being past due since XXXX on both accounts American Express is reporting incorrectly that I am the individual on the Gold Delta American Express Card and delinquent on my credit report. I have called four more times and been told they are not reporting to the bureaus as I am not on the account nor responsible for the debt. XXXX has reported fraudulently I am past due on an account I am not on not responsible for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I opened this account on XX/XX/2020 for XXXX with a payment of XXXX a month.Since then, I have made my payments on time and paid back XXXX as of XXXX my XXXX credit report as of XX/XX/2020 it states under upgrade trade line that i have a balance of XXXX.I should be alot less than that.It seems like.From begginning balance to current balance on credit report the loan has only gone down XXXXThey must be charging alot interest and it will take forever to pay off.Upgrade also charged me a fee to get the loan as well.This is a rip-off.So far, upgrade has charged me XXXX in interest.

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 2020-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's been a rough Year for me. I'm Ready to purchase Property for me and my kids, so I decided to check my credit.. 
I cant Believe that I became a victim of Identity Theft. I work very Hard to maintain my credit for me, and my Kids Future. 
How Can someone destroy My credit ... this is not Fair nor is this right, I did not give any Consent to these fraudulent Account. this was not authorize by me. I want these Accounts blocked and Removed from my credit 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
Consumer complaint received 2020-12-17 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: FL

Complaint narrative:
It's been a rough Year for me. I'm Ready to purchase Property for me and my kids, so I decided to check my credit..

I cant Believe that I became a victim of Identity Theft. I work very Hard to maintain my credit for me, and my Kids Future.

How Can someone destroy My credit ... this is not Fair nor is this right, I did not give any Consent to these fraudulent Account. this was not authorize by me. I want these Accounts blocked and Removed from my credit thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: OR

Complaint narrative:
XXXX/XXXX/20 I applied for a mortgage refinance with Better.com Mortgage Company. They issued a Loan Estimate and I asked if they could match or beat the total costs of 2 other Loan Estimates I received from other mortgage companies. They said that they could and would. 

XXXX/XXXX/20 When I went to review the Loan Estimate again, it had been updated and they stated that I had asked for a change in loan terms. I had not. When I asked for an explanation of why the Loan Estimate had been revised, they cited that rates change twice daily and they only hold the pricing on the Loan Estimate for one day. When I asked about the 10 business day requirement for lender to honor the terms of the Loan Estimate, they again stated that the pricing would continue to change unless I locked in the rate. 
I asked to speak to a manager or a compliance officer and the manager reiterated the same thing about rates changing twice daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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:
on XXXX XXXX, 2020 -there was a fraudulent inquiry made at XX/XX/XXXX to get credit & it appeared on my transunion credit report. i never made this inquiry & contacted XX/XX/XXXX immediately & then transunion. however, it still appeared on my credit report as an inquiry & lowered my credit score for no apparent reason other than fraud. therefore, i would like this inquiry removed! asap!! 

on XXXX XXXX2020 -another inquiry was made again at XX/XX/XXXX & this appeared on my XX/XX/XXXX credit report. 

both fraudulent inquiries appears as one inquiry on my credit report, regardless, i would like the fraudulent inquiry removed. ASAP!!! 

I DID NOT REQUEST THE INQUIRY & SHOULD NOT SUFFER A LOWER CREDIT SCORE AS A RESULT OF FRAUD! PLEASE REMOVE ASAP!!

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 2020-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I opened this account on XX/XX/2020 for XXXX with a payment of XXXX a month.Since then, I have made my payments on time and paid back XXXX as of XXXX.On my experian credit report as of XX/XX/2020 it states under upgrade trade line that i have a balance of XXXX.I should be alot less than that.It seems like.From begginning balance to current balance on credit report the loan has only gone down XXXX.They must be charging alot interest and it will take forever to pay off.Upgrade also charged me a fee to get the loan as well.This is a rip-off.So far, upgrade has charged me XXXX in interest.

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 2020-12-17 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: FL

Complaint narrative:
It's been a rough Year for me. I'm Ready to purchase Property for me and my kids, so I decided to check my credit.. 
I cant Believe that I became a victim of Identity Theft. I work very Hard to maintain my credit for me, and my XXXX Future. 
How Can someone destroy My credit ... this is not Fair nor is this right, I did not give any Consent to these fraudulent Account. this was not authorize by me. I want these Accounts blocked and Removed from my credit 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
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
Two collections for XXXX and one for XXXX are on my derogatory marks.Received nothing from said company about these debts no letters email or phone calls just randomly popped up on all my credit scores why was i never reached or notified. Its says for XX/XX/XXXX i was no where near this place in question i was at work. Again no letter or anything i'm pretty sure i would know if i went to this place and received service this just plain has fraud written all over it where is the proof.If you go on XXXX  you can see all the complaints against them making fraud claims on people intentionally trying to destroy peoples credit. They definitely are not running a legit business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Moved out of apartment with appropriate notice, after walk through in which property manager stated everything looked great, received a notice saying they would not return my deposit along with an amount of what I owed. I objected and was provided with an estimate of charges for carpet replacement. According to Washington State Tenant Laws/Rights, Goodeill v. Madison Real Estate, 191 Wash.App. 88 ( 2015 ), Landlords can not withhold a deposit based on an estimate and the landlord must return the deposit within 21 days or the tenant is entitled to 2.5 times the amount of the deposit. Furthermore, management of XXXX XXXX acknowledged that they had miscalculated the debt in their own response but told me it was in best interest to just pay this amount and if not, they threatened with proceeding to collect even more money from me ( Please see page 12 of attachment ). Even the amount they acknowledged was miscalculated was still calculated incorrectly according to Washington State Tenant Laws. Now this amount is being reported fraudulently and adversely affecting my credit score. I have attempted to dispute the validity of the debt with both XXXX XXXX and Genesis Credit Management. Even after asking the credit collection agency to stop their collections attempts, they still proceed to call me on a weekly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of America closed my credit card without meeting me know and when I call they said will be sending a letter.

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 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Although I have emailed and phoned my mortgage company multiple times ( they NEVER pick up the phone and have had me on hold for 2+ hours and then my phone goes dead ) then when following up with emails to them, they never respond with an answer to my questions. I first applied for a loan modification in XXXX, but ongoingly they would not give me a decision/answer in any form. Then when pressured by me via email this month to let me know of their decision, I finally received a reply by mail that my request had been denied. It was then when I requested several times via their website a forbearance for my current mortgage. Again, no answer from them. 
Further background of this situation is as follows : I was diagnosed with a serious XXXX XXXX at the beginning of this year. I had to have a valve replacement, and then in XXXX I was informed that I am so advanced into XXXX XXXX that I am going to need a XXXX XXXX. My XXXX  told me I would not be allowed to go back to work until I could receive the XXXX  for XXXX Although I receive Social Security payments monthly, it is not enough to pay my bills including my mortgage. I was able to eek by and send my XXXX mortgage payment, but for future it will not immediately be possible. The main reason payments for XXXX and beyond may not be possible for me is especially this : I have had an adjustable rate mortgage for many years, and my highest payment has been {$750.00} during that time. I was forewarned that my payment would go up on XX/XX/2020 to {$2200.00}. And, indeed it did. I have been turned down when requesting first a loan refinance, and then the loan modification. That leaves me in a real pickle. Since I felt then that I should at least deserve a forbearance intervention, as I have said, I applied with them online at least three times and never have gotten a response to my request, in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
My mortgage company keeps reporting me late at the beginning of every next month while I'm in a forbearance plan. The hurt I suffer from watching my personal credit take such a huge hit in having a negative score is very depressing to me and our family. I literally have high BP from all this stress they'd cost me and my family. We'd been fighting this issue for 7 months straight. PennyMac is my mortgage company. We could really use some help on our end here. We have a house full of XXXX children and can't live in peace knowing I cant qualify or a refinance because my credit score keeps showing a late status. The crazy thing is it's always showing me late at the beginning of every month. 
I don't even think that's legal. I always thought you had to wait until the month-end for the thirty days late in order for a company to mark you late? But please someone help me get this issue rectified. XX/XX/2020 late marked by the mortgage company I've tried everything from call to sending letters for about the previous months being late.

Company response to consumer: Closed with explanation