vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I applied to Quicken Loans / XXXX XXXX for a VA Loan. At the time, I had a temporary freeze on my XXXX and XXXX reports, but not on XXXX. When they pulled the report, they were unable to access all three bureaus because of the temporary freeze. That day, I temporarily lifted the freeze on both XXXX and XXXX XXXXhru XX/XX/XXXX and confirmed that there was no freeze on XXXX Quicken Loans tried to pull my credit report the next day ( because they said they have to wait 24 hours ) and were only able to pull XXXX At the same time, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX were able to access all three reports. On XX/XX/XXXX, I permanently removed the freeze at XXXX and XXXX, before my temporary lift expired, and again confirmed that there was no freeze at XXXX. I asked Quicken Loans again to pull my reports. They continually say they can only pull XXXX. On XX/XX/XXXX I asked them to have their Technology team make sure there wasn't an issue in their system preventing them from pulling the other two bureaus. On XX/XX/XXXX, they responded that their Technology team has verified that there is no problem with their system. As recently as today, XX/XX/XXXX, they say then can not pull the other two bureaus. On XX/XX/XXXX I called XXXX who confirmed for me that my personal data is correct and that there is no freeze or block of any kind on my report. They stated that if Quicken Loans is entering my name in a manner differently from what they have on file, that could be the problem. I have been unable to reach anyone at XXXX  or at XXXX XXXX to check the same info on my XXXX report. I am currently being denied credit by Quicken Loans on the sole basis on the one bureau they can pull, XXXX, where my score for mortgage is showing as XXXX. Quicken Loans says their threshold for approval is XXXX. Three of the lenders who have successfully pulled all three bureaus have confirmed that my median score is the XXXX score that Quicken can not access, at XXXX. Meaning my XXXX score is also higher. Because Quicken Loans can not access two of the three bureaus, I am being wrongly denied credit that they have acknowledged I would qualify for based on my median score exceeding their threshold. Quicken Loans has told me that because they have tried to pull three different times and only come up with the one score, they can not try to pull my full tri-merge report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I applied to XXXX XXXX XXXX XXXX XXXX for a VA Loan. At the time, I had a temporary freeze on my Equifax and XXXX reports, but not on XXXX. When they pulled the report, they were unable to access all three bureaus because of the temporary freeze. That day, I temporarily lifted the freeze on both XXXX  and Equifax thru XX/XX/XXXX and confirmed that there was no freeze on XXXX XXXXXXXX XXXX tried to pull my credit report the next day ( because they said they have to wait 24 hours ) and were only able to pull XXXX At the same time, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  were able to access all three reports. On XX/XX/XXXX, I permanently removed the freeze at XXXX  and Equifax, before my temporary lift expired, and again confirmed that there was no freeze at XXXX I asked XXXXXXXX XXXX again to pull my reports. They continually say they can only pull XXXX On XX/XX/XXXX I asked them to have their Technology team make sure there wasn't an issue in their system preventing them from pulling the other two bureaus. On XX/XX/XXXX, they responded that their Technology team has verified that there is no problem with their system. As recently as today, XX/XX/XXXX, they say then can not pull the other two bureaus. On XX/XX/XXXX I called Equifax, who confirmed for me that my personal data is correct and that there is no freeze or block of any kind on my report. They stated that if XXXX XXXX  is entering my name in a manner differently from what they have on file, that could be the problem. I have been unable to reach anyone at XXXX or at XXXX XXXX to check the same info on my TransUnion report. I am currently being denied credit by XXXXXXXX XXXX on the sole basis on the one bureau they can pull, XXXX where my score for mortgage is showing as XXXX. XXXXXXXX XXXX says their threshold for approval is XXXX. Three of the lenders who have successfully pulled all three bureaus have confirmed that my median score is the XXXX score that XXXX can not access, at XXXX. Meaning my Equifax score is also higher. Because XXXXXXXX XXXX can not access two of the three bureaus, I am being wrongly denied credit that they have acknowledged I would qualify for based on my median score exceeding their threshold. XXXXXXXX XXXX has told me that because they have tried to pull three different times and only come up with the one score, they can not try to pull my full tri-merge report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a complaint # XXXX as the credit bureau was not publishing my financial score to lenders. As already described, I have since suffered various adverse responses due to this failure to compute and to my financial scores. After investigating with XXXX XXXX XXXX Bank, where I do have a XXXX XXXXXXXX account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from XXXXXXXX XXXX XXXX certifying that they do properly report to the credit bureau all my financial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried on numerous occasions to file a dispute with Experian but they always send me a letter stating that they will not do an investigation which is my right by law. I have attached the letter that they have recently sent when I filed a dispute with them. I am trying to correct my report and they are making this a problem. 
The items are XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I saw a debt collection on my credit report from XXXX and credit collection services I never got any letter or anything to verify this amount or who did it!!!! 
I called XXXX they told the account is now with collection so I went to talk with the collection company I couldnt reach to anyone phone or mail. Please I do need help to get this away as theres something wrong with this and how they refused to verify the account to know who did it as I never been to any dr the past 3 years and I do have private insurance and you can see the history for dr visits. 
Please my complaint is the collection company has no way to reach or communicate and XXXX told me to check with the collection company as this account went to them and refused to verify disputed debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
On XX/XX/2021 I realized American Express had suspended my ability to redeem reward points. I contacted customer service and inquired about the reason. Both an online chat representative and a phone representative were not able to provide information about what triggered the suspension of my account. The only information that has been provided is : " We are currently reviewing your account to ensure that you have complied with our terms. We have suspended your ability to redeem. If we determine that you didn't comply with our terms, we may reverse your Welcome Bonus ( if applicable ) or take further action on your account. '' I currently have over {$800.00} worth of rewards that are suspended and, despite attempts, have not been able to contact someone at American Express that can explain why the account is suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Dear XXXX XXXX and XXXX XXXX I'm working with the cfpb regarding XXXX XXXX decision not to enforce the arbitration clause regarding Citibank dispute. 

XXXX XXXX decision to close Rev. XXXX account without arbitration is a clear violation of the Federal Arbitration clause due to my race as an XXXX XXXX. 

Due to my race XXXX XXXX has also close out my checking account because I'm a XXXX male with social security income and XXXX health insurance. 

XXXX XXXX decision makes me very sad and creates suicidal thoughts regarding my mental health condition under XXXX health insurance regarding social security income. 

I will continue to work with the cfpb regarding XXXX XXXX decision regarding my race and income. 

Buy best has review the record and proceed with a resolution but XXXX XXXX is refusing to provide a resolution only because of the skin XXXX of Mr. XXXX and the source of his income with social security after Mr. XXXX explain the situation regarding Best Buy Citibank resolution. 

XXXX XXXX decision is motivated by a history of hate and racism in XXXX regarding Citibank Best Buy resolution conducted in Good Faith. 

XXXX XXXX understand that XXXX XXXX XXXX is an XXXX American male and has no desire to honor Citibank Best Buy resolution. 

XXXX XXXX close out my checking account because of my race, social security income taxes, and Citibank Best Buy resolution.

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 2021-07-18 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: NC

Complaint narrative:
When applying for a credit card XX/XX/XXXX, my application was denied. XXXX revealed 10x student loan accounts opened with my name as a co-signer by my father XXXX XXXX. The debts amount to {$340000.00}, all dating back collectively to XXXX. I never authorized permission for my information to be used for any of these student loan accounts. Since XXXX, I have never received any phone calls/mail invoice regarding these accounts. 

I have managed to clear these fraudulent records from my XXXX  and XXXX reports. However, XXXX continues to report these accounts as accurate to Transunion. I have contacted XXXX, received their identity theft forms, and returned their requested notarized documentation late XXXX. I have not received any confirmation the requested documents were ever received during subsequent phone call correspondence. 

SPECIFIC ISSUES : My SSN does not bring up the fraudulent accounts with XXXX. I could only utilize my fathers information to reveal the accounts when on the phone with XXXX. 
Transunion website issues preventing convenient access to dispute status.

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 2021-07-18 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: CBC Companies, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a complaint # XXXX as Innovis has not been properly recording and publishing my financial data such as my credit card monthly payments. Due to this failure my financial scores showed to lenders are affected. As already described, I have suffered various adverse responses due to this failure to compute and to publish my financial data and scores. After investigating with XXXX XXXX XXXX XXXX, where I do have a Premier Mastercard account since XX/XX/XXXX with XXXX past due since 6 years ( statement attached ), we have got a letter dated XX/XX/XXXX ( attached ) from XXXX XXXX XXXX  certifying that they do properly report to Innovis all my financial payments. In addition, I can see all my missing good payments in the Innovis credit report dated XX/XX/XXXX ( attached ) where years XXXX to XXXX are fully missing in the Account section for my XXXX XXXX credit card. This is the proof that Innovis knows about my account at XXXX XXXX but do not investigate on the failure cause and do not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
In XX/XX/2020 I called CCS and agreed to pay the balance due of {$120.00} if they agreed to remove the item from my credit report. I was told that since the account was over 2 years and if I paid in full I qualified to have it removed from my credit report. I was told if I didnt pay the full amount then it would only be updated as paid on my report. I spoke to several different people on around XXXX XXXX and was told it would be removed since I paid the bill online in full. I have been trying for months to get this removed because that was what was promised to me. This company lied and misrepresented what would happen if I paid them in full. 

CCS COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX, XXXX XXXX ( XX/XX/2019 ). 
XXXX XXXX XXXX Dealer Financ ( XX/XX/2019 ). 
XXXX XXXX ( XX/XX/2019 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX XXXX insurance charged us {$180.00}, while my husband and I signed an agreement on XX/XX/XXXX for $ XXXX/month. We did not receive a prior notification or renewed agreement from XXXX that flagged the higher amount. XXXX withdrew additional {$99.00} through automatic payment without our authorization. 
When we disputed the higher charge and legitimacy of charging insuree higher payment without prior authorization, XXXX could not provide a clear explanation and justification of their actions by law. 
Moreover, we were provided misleading information about laws, when we were trying to cancel our policy with XXXX. The XXXX representative first refused to cancel our policy until we provide the prove of new insurance, saying it is required by DMV laws. Although, we were already insured with the other provider, we did not want to share that information with XXXX without legal grounds for the demand. When we requested the link to the law, XXXX could not provide the link, they then said there was no law like that, and apologised for misunderstanding XXXX the concersation was held on a recorded line ). 
Since we could not resolve the dispute with XXXX, we had to dispute the payment through our bank in XX/XX/XXXX. XXXX was informed about us disputing the payment throught the bank via official email dtd XX/XX/XXXX. The email was not anwered by XXXX. Our bank disputed the payment - we received the payment back. 
However, in XX/XX/XXXX we received a letter from Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX informing that XXXX  placed our account to CCS for collection. 
We please ask Consumer Right Protection Bureau to help us settle the dispute with XXXX, as the dispute was caused due to XXXX 's fail to flag the increased insurance payment by prior notice and withdrawal of higer amount from customer 's account with customer 's authorization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ). XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. 




I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-07-18 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: I.C. System, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and have tried to have these reports removed from my credit report. I have not been successful and need assistance

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 2021-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I submitted a complaint regarding a bank of America credit card that I closed. The complaint number is XXXX. Bank of America did not try to resolve the issue and continue to send me statements and have caused a negative credit report to be submitted. The original complaint is still open even though they responded on XX/XX/XXXX that they were looking into it. This is a small issue over {$40.00}. I believe they are not attempting to resolve the issue and are instead causing my credit rating to be impacted.

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 2021-07-18 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX  ( XX/XX/XXXX ). 
XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX ( XX/XX/XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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