vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not usually check my credit but i was at shocked when i saw that there was a few fraudulent accounts open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached my drivers license and Social along with the ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I apply for a car loan. I get 5 hard inquires which decreases my score. I never ever would have gave permission to run so many inquires. i take my credit and score serious. I disputed it, and my claim was denied. But I did not agree to this. No one told me. I feel this is not fair. 

It is on my Equifax and XXXX account. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX I applied for an FHA modification while completing the COVID forbearance. The evaluation process was excessive. I was approved for a modification with a trial plan, in XX/XX/XXXX. However I was informed on XX/XX/XXXX that the FHA modification eligibility waterfall was NOT used due to my recent bankruptcy. 

After speaking with a HUD representative on XX/XX/XXXX, I was misinformed and that filing bankruptcy does not impact borrower eligibility as it pertains to the HUD modition option approval hierarchy/waterfall. 

During my initial application for the modification I stated that my intent was to reduce my mortgage payment due to my COVID and medical related hardship and be considered for the combined partial claim and modification option offered by the FHA program. 

I am now being told that I am not eligible which is conflicting with the HUD eligibility guidelines. I believe I am a victim of unfair mortgage practice. 

The objective of my complaint is to be considered for the combination partial claim and modification option as per the FHA regulations. All necessary documents have been provided. The result of the recent modification did not reduce the Mortgage payment by at least 10 %. 

The deadline for my 1st trial is XX/XX/XXXX. 

During the evaluation process I filed chapter XXXX due to excessive medical expenses excludes the Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX Care credit  is reporting I applied for credit 3 times in one day and I did apply one time with care credit that has been verified by care credit in their database, but XXXX shows an inquiry three times with the same code and will not remove it after 9 attempts through calls and letters. 

Two weeks ago I get contacted by XXXX XXXX telling me someone had open a fraudulent bank account under my maiden name using the address where I grew up, not realizing I have been married for many years and have not lived at my parent 's address for over 30 years. XXXX XXXXXXXX thought I may be on the dark web since they did not have any of my current info. 

Also XXXX XXXX closed the accounts I had with them because of this situation, which was unfair to me and that affects my credit. 

A charge off for an account I never had by a company called XXXX has never been removed from my file. 

Recently I see an inquiry from the XXXX XXXX in XXXX XXXX on XX/XX/2021, that I have no idea where it came from because I have not applied for or been in 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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have a loan with NATIONSTAR MORTGAGE LLC, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NATIONSTAR MORTGAGE LLC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and NATIONSTAR MORTGAGE LLC with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft CXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax, XXXX  and XXXX XXXX are not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
This account dont belong to me Please remove this account of all 3 credit report agencies, look here the accounts to delete 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft RMS Date of inquiry : XX/XX/2020 This is not mine.

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This account dont belong to me Please remove this account of all 3 credit report agencies, look here the accounts to delete 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are accounts that are still appearing on my credit report that were a result of identity theft. I have disputed these accounts with the credit bureaus several times and I haven't received any response in regards to the dispute. I also filed an identity theft affidavit and the account has still not been deleted. The response time has surpassed 60 days and are now in violation of my rights in the FCRA. I have placed on extended fraud alert on my report and these accounts were to be removed upon completion of my dispute. These accounts have not been removed and late payments are continuously being reported every month damaging my credit history. Please eradicate this account from my credit report expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX and XXXX removed my XXXX XXXX CREDIT CARD from reporting on my credit report. 

I contacted XXXX XXXX and they shared they report the balance of my card every month to all 3 credit bureaus. 

The XXXX XXXX Credit Card ending in XXXX with balance of XXXX should be reporting 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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax and XXXX removed my XXXX XXXX CREDIT CARD from reporting on my credit report. 

I contacted XXXX XXXX and they shared they report the balance of my card every month to all 3 credit bureaus. 

The XXXX XXXX Credit Card ending in XXXX with balance of XXXX should be reporting on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on. my credit report, it has been well over 30 days and haven't received any investigation results.

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on. my credit report, it has been well over 30 days and haven't received any investigation results.

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 2021-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On Monday, XX/XX/2021, I received notice from Ally Bank that there was a restriction on transfers from my savings account. I called, and spoke with a representative, and was told the problem was resolved. On Tuesday, XX/XX/2021, I discovered my account was still restricted. I spoke with Ally again, and the representative told me that she resolved the issue, and I could initiate a transfer of funds. When I tried, the restriction was still on the account. I called a second time on XX/XX/2021, and was told, despite what I had been told in the prior two calls, that the restriction was still in place, and would not be resolved for 1-2 business days. I called a third time on XX/XX/2021, and the loss prevention department refused to speak with me to give me an explanation of the restriction. It is not right that a bank can restrict me from using my funds for two to four days.

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 2021-06-22 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: Credit Center, LLC
State: FL

Complaint narrative:
Credit Center , XXXX is reporting a delinquent medical collection account to the credit bureaus under my name. I have sent multiple debt validation letters to Credit Center , XXXX. I sent the original request for debt validation letter on XX/XX/21 via USPS mail. I sent a second validation letter on XX/XX/21 via USPS Certified Mail. ( See attached receipt ) I did not receive correspondence from Credit Center XXXX after my first validation letter was sent out. They waited for me to file a complaint with the Consumer Financial Protection Bureau at which point they still did not provide CFPB or myself with sufficient validation of this alleged debt, instead they attached an XXXX  spreadsheet with a manually typed " timeline '' and a notation that states they'd be happy to validate this debt if I contacted their office. I went ahead and sent out a second validation letter on XX/XX/21 via USPS Certified Mail. ( See attached receipt. ) This company responded to my Certified letter but failed to legally validate this alleged debt. Instead, they sent me copies of sensitive, protected, private information from my medical records including specific medical tests and procedures that were performed as well as prescriptions that were prescribed. This is a direct VIOLATION of HIPAA regulations. I did not sign nor did they provide me with a HIPAA release form authorizing them to have access to this information. Credit Center , XXXX has violated my HIPAA rights. Please terminate this account and cease all collection activities or I will be forced to take legal action in response to this violation. I have attached the forms that were sent to me for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
I purchased the property XXXX XXXX XXXX XXXX XXXX, MO XXXX on record, XX/XX/XXXX, with XXXX XXXX County, MO with DAS Equisition. The loan was transferred during the purchase grace period to Caliber Home Loans with no payments on record or due at the time of transfer. Caliber Home Loans has a Partial Loan Deed of trust as loss mitigation on record for the property, dated XX/XX/XXXX, and has refused to provide financial documents on the payment history of my loan during the time of their holding. Caliber Home Loans had already sold the loan according to records of the XXXX date. 

Caliber Home Loans has changed the dates on late credit reporting, the partial deed of trust and signature, and the timeline of my payment history, which Caliber Home Loans states are correct. The above-mentioned documents are all different timeline dates. If Caliber Home Loans refuses this final time to present detail financial records of the loan during the time of their holding, remove the late marks on my credit reports and refund the amount owed to me, I am prepared to follow the next step of legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ardmore Finance Corporation
State: OK

Complaint narrative:
Called third party left threatening voicemail on there phone saying I need to pay them by next month or they will take me to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I have a personal loan and an auto loan with Pentagon Federal Credit Union. Over the past several months, I have been contacted numerous times by the credit union with unreasonable requests and demands. For the personal loan, they continue to send me promissory notes to sign - however, I refuse to sign them because they have the incorrect interest rate listed on the contract. 

With respect to the auto loan, I have been contacted several times to provide a copy of my license and proof of insurance and to sign and return documents. I have done all of these things. They also contacted me requesting the title - so I contacted the previous lienholder and was told it was being sent over again. It was then communicated to me that they had everything they needed. A couple of months later, I receive not only another demand for the title but also notified that my auto loan rate was going to be increased to 14 % immediately. I believe there is something amiss with this credit union and some action needs to be taken so they can get their act together.

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 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Key 2 Recovery, Inc.
State: OH

Complaint narrative:
Nothing, they still want to call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX  and Experian removed my XXXX  XXXX CREDIT CARD from reporting on my credit report. 

I contacted XXXX XXXX and they shared they report the balance of my card every month to all 3 credit bureaus. 

The XXXX XXXX Credit Card ending in XXXX with balance of XXXX should be reporting 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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft VERIZON Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX, XXXX  and Trans Union are not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to me.

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX, Experian and XXXX XXXX are not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to me.

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