vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently starting using the XXXX  app and one I got a copy of my credit report, I instantly noticed an inaccurate address in which I have never lived at and inquiries misreported inquiries for credit that I don't recognize on all 3 ( XXXX, Equifax, XXXX  ) of my credit reports. I wrote dispute letters to all three and its been past 30 days since, I mailed to Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX. I have gotten no response from the credit bureaus and I have been having trouble getting in contact over the phone. I am looking to build my credit so i can qualify for Housing and this scenario doesn't help. 

XXXX  Wrong Address - XXXX XXXX XXXX  XXXX, Ga XXXX Correct Address - XXXX XXXX XXXX XXXX, XXXX, Ga XXXX 1. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  XXXX XXXX 2. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  XXXX XXXX 3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX XXXX 4. 
Account Name : XXXX XXXX  XXXX. 
Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX - Non Specific Equifax 1. 
Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX 2. 
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX Credit Card 3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX 4. 
Account Name : XXXX Date Filed : XXXX Type of Account : XXXX Credit Card 5. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX  1. 
Account Name : XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  2. 
Account Name XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 3. 
Account Name : XXXX XXXX  Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 4. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 5. 
Account Name : XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  6. 
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX  I attached the letters I sent to the credit agencies,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
In XXXX I had contacted my current lender, Freedom Mortgage, about a refinance of my existing loan with them. They followed-up quickly and said they needed to wait for the required VA seasoning period before we could proceed. After that period had passed we reengaged and I was sent a final closing disclosure and scheduled for a closing on XX/XX/2021 at my home at XXXX. I was contacted at XXXX by the law firm and told the closing had to be cancelled because Freedom Mortgage failed to get them the required documents. I contacted Freedom Mortgage that day and learned that they were unable to determine a projected property tax for escrow. I notified them that this was originally part of a trust and that the bill wouldn't be generated until XXXX or XX/XX/XXXX. They stated they would contact XXXX County, SC to get an estimate to use for the tax certificate. Once I had been assured that had happened on XX/XX/2021 I scheduled for a closing on XX/XX/2021 at XXXX at my home. I was contacted at by the law firm at XXXX and told the closing had to be cancelled and to contact Freedom Mortgage for further details. I contacted Freedom Mortgage and was told that they had the same issue about the tax certificate. I had been assured it was cleared up, but surely enough it wasn't. When I spoke to a representative for the " exceptions department '' on the phone I was told they had two different tax amounts and couldn't proceed until they received confirmation from the tax authority. That is now twice in two months, with the closing scheduled 12 calendar days in advance that Freedom Mortgage was unable to execute a scheduled mortgage closing for an IRRRL due to their inability to gather and relate information competently. I have made inquiries to other companies as this process has proceeded causing a dip in my credit scores as well as having to cancel on my required witnesses who had cleared their schedules.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROMWHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM REGION FINANCE AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED TRANSUNION/ XXXX/ XXXX AND NOE OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROMWHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM REGION FINANCE AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX XXXX/ EXPERIAN AND NOE OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.

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 2021-02-01 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: LEXISNEXIS
State: SC

Complaint narrative:
I am requesting a re-investigation and a provide method of verification of the bankruptcy listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am XXXX XXXX and my account is being frozen because the navy federal said my voice sounds like I am not XXXX. There is no issue with my account. No one is accessing it without my permission. They froze my account and didn't make it available to me because they are saying that the voice doesn't sound like a XXXX year old. That is a matter of opinion and i have sent in the required documents and have waited for almost a month. During covid the closest branch to me is the XXXX, Ohio one and I haven't been able to get to it because it is not operating during the covid 19 season they are making it complicated for me to not pay my Bill 's. I need to access my account and need my funds and to use my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: WA

Complaint narrative:
I have three transfers initiated from my key2benefits card that I never received. One on XX/XX/XXXX for {$200.00}, one on XX/XX/XXXX for {$470.00} and one on XX/XX/XXXX for {$500.00}. After the first wasnt received a filed a fraud complaint ( which was what I was instructed to do ) and they rejected it stating the funds had been delivered. My receiving bank has zero record of these 3 transactions. I have since followed up and been put on hold for very long periods of time just to get told they cant help me and dont have any way to track the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I Obtained a conventional loan from Citizens Bank where escrow was not an option. Discovered after the loan closed, I was incorrectly charged private mortgage insurance ( PMI ). I received instructions from Citizens on XX/XX/XXXX with conditions for PMI cancellation. Requested PMI policy cancellation and refund of money paid/escrowed on XX/XX/XXXX explaining I was charged PMI in error. Further explained I qualify for cancellation based on criteria Citizens sent under Option 2 : " if your loan is less than 2 years old the principal balance must be 80 % based on current appraisal '' My current appraisal that the bank utilized to secure the loan is {$150000.00} my loan amount is XXXX therefore my loan to value is under the 80 % threshold and I should not have been charged the PMI under Citizens own guidelines, I provided copy of all supporting documentation. My request to cancel PMI was unfairly denied with inadequate explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: IL

Complaint narrative:
I am a clerk for USPS and I have been off work all year due to Covid 19. I was due to receive unemployment benefits for the entire year. Key Bank was to mail out the card by XXXX XXXX,2021. The card hadn't arrived and when I called to inquire about it, they told me that XXXX was spent from the card. I put in a dispute on XX/XX/2021. Yesterday, they sent me correspondence saying thee investigation was closed and i am responsible. I never received dispute papers and when I try to call I am on hold for two hours only to be hung up on when someone gets on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: SC

Complaint narrative:
I am requesting a re-investigation and a provide method of verification of the bankruptcy listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROM WHAT I AM ASSUMING IS A 3RD  PARTY THAT PURCHASED THE LOAN FROM XXXX XXXX AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX EQUIFAX/ XXXX  AND NOE  OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROM WHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM XXXX XXXX AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX XXXX/ EXPERIAN AND NOE OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.

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 2021-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Commenity Bank ( Victoria Secret Card ). Limit was {$250.00}. Card went into default and now the balance is {$700.00}. I asked for an explanation of the increased balance and was told I had over {$400.00} in late charges and $ XXXX in interest charges. I tried researching allowed late fees after the account went into default and I couldn't fine anything. Are there any limits on the amount of late charges that can be charged after default?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
The Company is SELECT PORTFOLIO, Because of a mixture of problems being unemployed then getting my job back, my job took away my salary away and now I work on XXXX XXXX XXXX and I XXXX XXXX XXXX XXXX XXXX, so XXXX  are not that happy about XXXX XXXX XXXX because of COVID, SPS put me on a Forbearance program and had told me that I would be able to make it up at the end of the loan. They now want me to start making it up in XXXX of this year my payment went from {$3300.00} to {$4400.00} starting in XXXX, I'm XXXX and besides my job income is right now at $ XXXX {$40000.00} maybe a month. The thing is they had said all along they would put this {$19000.00} at the end of my loan and they totally changed the rules and I will lose my house. I entered this program so they would balloon my payments to the back of the loan. And now I'm in the situation above. 
This is predatory and the lender is trying to get me to possibly do some sort of modification by bumping up my payment so I am hurt and can't make my payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: GA

Complaint narrative:
I sent in dispute letters certified for transunion, experian, equifax and have not received result status nor any response. The date for my dispute letters to all company 's is XX/XX/2021 it has been more than 30 days at this point and I have talked with them to dispute everything because FCA 30 days non response. Every letter has date and information in yellow which I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Im submitting this complaint due to inaccurate names on my credit report, inaccurate addresses, 1 auto loan account ( XXXX XXXX XXXX ) and unauthorized inquiries. Ive sent in a 609 letter to TransUnion, and also contacted the other bureaus regarding this issue!

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 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Please see complaint XXXX submitted on XX/XX/XXXX for historical data. 

I am attempting to refinance and the new lender informed me that the mortgage was not reported on my credit report. I contacted ShellPoint numerous times for resolution. They sent me a notice on XX/XX/XXXX that the error had been corrected. 

I verified with 2 of the CCB 's that the loan was now reflected on my credit report. 

In continuing with the Re-Fi I am now told that ShellPoint will NOT release the payoff information because I am not on the loan - yet they are reporting the loan on my credit report. 

I signed all of the documents at closing. The home is titled to : XXXX XXXX AND XXXX XXXX, Husband and Wife, AND XXXX XXXX, UNMARRIED, AS JOINT TENANTS WITH RIGHT OF SURVIVORSHIP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: NV

Complaint narrative:
As the Consumer my rights have been violated multiple times. Due to my rights being violated as the Consumer I demand for any and all damages occurred to me the following {$1000.00} per violation as stated via 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

The creditor has and is reporting my credit history inaccurately. 

This has caused me as the Consumer Defamation and Financial Injury. I have disputed these items multiple times and both the Creditor and the Credit Reporting Agencies have failed to report it as a dispute which violates my rights under the FCRA as stated in section 623. 

Creditors have pulled my Consumer file without my written permission or without reasons permissible under law which has caused injury to my credit report and scores. 
As stated in 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On top of things the Credit Reporting Agencies and Creditor have " Re-Aged '' my account by reporting the date of last activity instead of the date of first delinquency. As a Consumer this has violated my right to Consumer Protection as afforded by the FCRA under Section 605 ( c ). 

As a Consumer I have a right to privacy as stated in 15 U.S. Code 1681. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

A primary purpose of the FCRA, is to protect consumers against inaccurate and incomplete credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MJ Altman Companies, Inc.
State: GA

Complaint narrative:
For months I have been fighting a back & forth game with " XXXX XXXX XXXX '' where I had lab work services preformed & " MJ Altman Companies '' debt collector. The collection is for {$320.00} XXXX XXXX XXXX made an error by charging the wrong insurance company, I've always had the same active insurance, I have no clue where they got the wrong information from. Multiple times I was assured by supervisors that they made an error and that it will be corrected immediately. After months of getting the same run-around answer I don't know what else to do. Is there any justice? I'm attempting to purchase a home & this wrongful reporting has dropped my XXXX & XXXX score tremendously.

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 2021-02-01 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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