vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Was during covid, I was promised by CMRE that I could pay as little as $ XXXX {$50.00} per month payments and if I could pay more one month and skip the following month that was allowed. So I doubled paid one month and paid off all accounts in full by XX/XX/2021, CMRE reported delinquent accounts when they were paid in full and they did not honor their word verbal contract stating paying more one month and skip of a month payment when funds not available to pay was allowed. CMRE has been called at least 10 times Ive spoken to several agents who say they see all accounts are paid in full and that all bureaus will be updated. However they keep reporting delinquent or open account that is delinquent. This has impacted my credit score by at least XXXX points negatively. I even spoke to the CMRE manager back in XX/XX/2021 he said there is nothing they could do to reverse the negative report, even though I was told on several occasions during covid hardship that I could pay what I could, whenever I could pay double payment to cover up coming months payment and that I would not be reported negatively to the credit bureaus. CMRE medical collections company has been paid in full for all accounts yet they claim I was late payment XX/XX/2021 and had paid them XXXX double the agreed amount. I also paid off accounts XX/XX/2021 in another verbal promise to report my accounts positively to all three credit bureaus, this never happened. Ive checked in monthly and my credit report still has CMREs negative report from XX/XX/2021. 
This has caused hardship in purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}.

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 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I used XXXX XXXX XXXX XXXX  service for more than 5 years, I received my expatriate salary on my account, including my company. One day my account was deactivated without any precise information on the exact reason for the closure. 

I asked and contested the decision, and they keep it closed without giving a reason. 

I have a work contract as an expatriate from an XXXX company, I received my salary legally, I made the exchange operations and personal payments normally, for me, for my wife, for whom I needed to pay. 

Never have they come and questioned something, or asked for explanations of the movement. I could explain and prove all legality. 

They just closed and don't give a reason. 

I think at least one justification is a right I have to know why. 

XXXX XXXX XXXX XXXX XXXX XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
Applied for a Mortgage ReFi in XX/XX/2021 with New American Funding and authorized an initial Hard Inquiry on my Credit Report. 

Because of their incessant delays in processing this Mortgage, they proceeded with a second, completely unauthorized Hard Inquiry on my credit report approximately 4-months later. 

Literally the only reason I did not fire this company is because I did not want a second hard inquiry on my credit report. If I was to authorize a second hard inquiry for the same loan, I would have found another lender. 

Name of Company : New American Funding Date of First Inquiry : XX/XX/2021 Date of Second Un-Authorized Inquiry : XX/XX/2021 2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX {$4100.00} Date Opened : XX/XX/2019

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 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ND

Complaint narrative:
Citizen 's Bank recently merged online mortgage and banking systems which resulted in deletion of established online customer mortgage accounts. Customers attempting to login with established credentials to view mortgage information and make payments are unable to login due to account deletion. I called Citizen 's customer service on XX/XX/2022 and they confirmed the issue was driving very high call volumes. I advised that I had not received any email or other communication from Citizen 's regarding an account deletion problem and how to resolve the problem. A complaint was filed directly with Citizen 's. I am filing this complaint with CFPB because of concerns that thousands of customers are at risk of missing their mortgage payment deadline because of the inability to access their online account which was deleted by a Citizen 's Bank process failure. In the end, I had to re-register for an account in order to view my mortgage and make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: First Technology Federal Credit Union
State: MN

Complaint narrative:
First Tech credit union received a pay-off check in late XXXX or early XXXX of XXXX. They returned this check to my new lender and did not inform me that this occured. When I contacted them for an explanation on XX/XX/XXXX, they provided an address in XXXX where the check should be sent and told me they had no record of the check. I confirmed with my new lender that they sent the check with the correct account information to that address. 

Now, they're saying that the address for payoffs is in California and refuse to stop demanding payment despite declining my payoff. Further, the customer service representative I spoke to on XX/XX/XXXX confirmed that their procedure is to forward payoff checks to the appropriate address when received in XXXX, not return them. My new lender shared in a call on the same day that First Tech confirmed the XXXX address as the appropriate address to send payment. 

Throughout this time, I have made payments to bother lenders. First Tech has refused to accept a stop to payments despite having declined my payoff.

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 2022-01-12 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:
XXXX XXXX XXXX Open date XXXX Balance $ - XXXX XXXX XXXX XXXXXXXX Open date XXXX XX/XX/XXXX Balance {$1400.00} XXXX  adjustment Open date XXXX XX/XX/XXXX Balance {$2300.00}

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 2022-01-12 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$8900.00}, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00}. Inquiriy : XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXXXXX {$4200.00} Date Opened : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: NE

Complaint narrative:
For the last 2 weeks I have been trying to find out why I owe XXXX. In the process of doing this, I have been treated quite poorly.hung up on, cold transferred, told I must be so very bored must be why Im calling..reps refuse to write accurate notes, overtaking, etc. 

I have told numerous supervisors that when reps become polite and respectful, I would and will be happy to discuss this debt.no return calls from any supervisor to date. 

With my Severe XXXX, dealing with these blatantly rude reps and supervisors is causing me a great amount of distress. 

I am very sick and tired of reps being rude and condescending. 

I had requested that this company ask XXXX exactly what the bill was for as I paid XXXX via bank automatic withdraws every month. 

After a month of not hearing back from this agency, I called and was told that I refused a letter from XXXX am so very confused.and will not tolerate these rude reps any longer. 

Respectfully, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: PA

Complaint narrative:
XX/XX/2021, Someone had stole my information and had applied for 3 credit cards. I reported it to the Credit Bureaus. They had only taking 2 of the 3 off but refuse to take the 3rd one off. I dont understand why they wont take it off and when I contact them they keep telling me to dispute it and I had already done that 3 times since it had happened and nothing changes. And when I tell them they still say the samething every 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 non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I placed an online order with XXXX XXXX XXXX on XX/XX/XXXX. Immediately upon checkout I realized that my shipping address was incorrect. As soon as I noticed this, I called XXXX within 5 minutes of my order being placed to see if they could correct my order to ensure that the shipping address was updated. Because the order was just placed, the representative that I spoke with, decided to cancel my initial order and reinitiated my order with the proper shipping address. Unfortunately, it appears that the representative forgot to cancel my initial order, so I was then billed for both orders. I've filed a dispute with Chase related to my initial order of {$310.00}, since this order was never received. If this order was actually shipped, it was shipped to my prior mailing address in California. I no longer live in California and my updated order of $ {$270.00} was shipped to me at my current mailing address in Texas. 
I filed a dispute with Chase and they have determined that the charges were valid because XXXX has confirmed that the initial order was shipped to CA. Unfortunately, these are goods that I did not receive, so I'm looking for my dispute related to the changes of {$310.00} to be reopened and refunded as these are goods that I did not receive. I did receive my updated order in Texas so I agree with the charges of {$270.00}. 

I called Chase today ( XX/XX/XXXX ) to reopen this complaint and they shared with me that the only way that I can request for them to reopen this is to physically write a handwritten letter and physically mail or fax this to them. I do not have access to a printer and feel it is not reasonable to ask me to go to this length to ask for an additional review for goods that were not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$4100.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Ive requested the accounting history, detailing past payments made or missed and was not provided any. 
Ive requested personal information associated with this account for identity purposes and was not provided any. 
Ive requested contracts signed with my signature and was not provided any.

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 2022-01-12 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: CA

Complaint narrative:
**********************************ADDITIONAL INFORMATION****************************** *****************************EQUIFAX STATED THE FOLLOWING************************* Please be advised that we are unable to locate a credit file using the information you have provided. You may not have a credit report if you have not applied for credit or used credit in the past seven years. If you would like to provide additional information in assisting us with locating a credit file for you, please submit a copy of your drivers license and/or current utility bill with a photocopy of your social security number. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX ************************************************************************************************** I'm providing information that will help find my credit file. I have submitted copies of my identification to you by mail several times. I have done so again this time as well. ****** ************************************************************************************************** Equifax is reporting information on my credit report from XXXX XXXX that has not been validated. I want proof that in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL 9-614. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : CONSUMER 9-616. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY. XXXX XXXX is required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. Please provide copies of the required notices and proof that they were sent to me : Notice of Default and Right of Redemption/Right of Reinstatement Notice of Intent to Sell Property How they Calculated Your Surplus or Deficiency

Company response to consumer: Closed with explanation