vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 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: FL

Complaint narrative:
ON XXXX XXXX I notice two hard Inquiries that show up on my account. I reach out to XXXX and XXXX XXXX and they have no recollection of me applying or have an account with them. Which means the Information is inaccurate and needs to be removed. They told me to reach out to you Equifax so you can remove the hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IL

Complaint narrative:
Good afternoon, My name is XXXX XXXX. My husband, XXXX XXXX and I submitted a mortgage refinance application via Amerisave.com on XX/XX/2020. We were promised a rate of 2.25 % by originator, XXXX XXXX although we knew additional information and paperwork would need to be collected in order to lock in that rate. Our original Closing Date was estimated as XX/XX/2020. We have signed numerous lock agreements, extending the 2.25 % promised since early XXXX. Given our credit scores range from 790 to 850 and we have over 40 % equity in our home, which is a primary residence, I am very confused as to why this process is taking so long. XXXX XXXX was assigned as our processor in XXXX. Since that time communication with both XXXX and XXXX has been spotty. Sometimes they reply quickly to let us know that they were " just pulling up our file '' and will give us a call shortly which rarely results in a call. I have spoken with XXXX once in the past month where he said that he looked at our file and nothing looks out of place that would cause a delay, yet, here we sit, 105 days after our original application. I have asked repeatedly for this situation to be escalated. XXXX and XXXX have told me that they have both escalated with their managers but won't give me contact information on their managers so that I can reach out directly. My fear now is that this company isn't even valid and what if I sent a lot of very sensitive information to them with which they could do damaging things to my husband and I. I work for a Bank and am shocked that I am actually filing a complaint with the CFPB but I am truly at my wit 's end and am also very concerned. 
Application # XXXX Thanks! 
XXXX and 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 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, XXXX advertised to me a 2.375 % rate for a XXXX loan to refinance with zero points through the XXXX platform based on a credit score of over 760, zip code of XXXX, home value of {$630000.00} and existing mortgage of {$340000.00}. I followed up on this advertised rate the same day and provided the same personal and property information directly to Better.com to lock the rate. Better.com then provided a rate of 2.375 % only if I purchased {$7400.00} of points. After discussing with their loan officer, Better.com did not honor the rate they advertised and failed to provide any logical explanation for the discrepancy. The rate could not have been based on any different personal information because the information I provided on both platforms was identical, including the credit score ( their soft pull confirmed that my score was much higher than 760 ). The loan officer stated that he was not aware of Better.com providing a 2.375 % rate at zero points for any applicants, strongly suggesting that the rate they advertised on XXXX was false and is not a rate they were offering at all as of the date above. Better.com is using XXXX to lure applicants to their site and provide their private personal information including social security number, only to change the rates they offer to the applicant after spending significant time applying, despite the applicant 's information being the exact same as what they used to advertise a lower rate. This is false and deceptive advertising and should be enforced against.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phillips & Cohen Associates, Ltd.
State: DE

Complaint narrative:
I routinely receive calls from XXXX XXXX XXXX. They leave name and last 4 of my social security number and state that they need to speak with me or my attorney and to -call them back at XXXX. Once I called back and spoke to a woman who stated it was an unpaid debt on a XXXX card. I have only had one XXXX 's card and it was resolved and paid via my debt Consolidator, with XXXX XXXX at XXXX and they arranged payment via Phillips & Cohen. The debt was consolidated and paid to the full agreement. I have been threatened that this will go to court, they are turning it to XXXX XXXX XXXX XXXX etc. I am tired of threats against something I have paid and resolved. I have given them my debt consolidators information XXXX times now and they just don't go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Before I moved from XXXX XXXX  to XXXX  I contacted XXXX to cancel the service and tell them to send my last bill to my new address in California and everything went well that day or as I thought. 



Time goes by and no mail or any way of contact had I received and when I check my credit, I saw this account showing on my credit report with a collection agency ( Southwest Credit System ) so I proceed to call and pay it. On that call I found out that they had received my old contact information from XXXX so Southwest Credit System tried to contact me in regards of the account but since they had received the wrong contact information from the original creditor, this prevent me to pay it or dispute before it shows on my credit report, I explained this to the managers and representatives all agreed that they had a wrong address and wrong phone number but they wont to delete from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to my bank to deposit {$50.00} in cash which brought my account to positive {$2.00}. I also had five dollars in my reserve account and {$10.00} in my savings account. On XX/XX/XXXX I received an email stating that my account was overdrawn and my money in my reserve and savings was gone. I called up PNC to ask why this happened and they couldnt tell me why wouldnt issue me a refund and I have to wait for a callback from somebody else from the branch. Ive never had a situation like this happened to me and the fact that PNC wont admit their mistake and give me my money back is insane. I lost my job to COVID-19 my fianc and I are both on unemployment and PNC bank took what little money I had left with no justification. My account shouldve never been overdrawn to begin with I had ample and sufficient money in there and they still decided to penalize me. I will not stand for this and PNC Bank is pretty much acting like a thief with no justification for their actions and theyre going to find out that by doing these type of things has repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My car got was in an accident and was destroyed. Ally sent me a bill with a date of XX/XX/2020 ). I paid online through my bank on XX/XX/2020. Prior to receiving my payment, and not even a month after sending the bill they put it as a " charge off ''. They sent a notice saying I was paid in full but did not retract the charge off and it has destroyed my credit. I tried fixing this with XXXX and XXXX and am getting nowhere. Please see attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 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: MI

Complaint narrative:
My car got was in an accident and was destroyed. XXXX  sent me a bill with a date of XX/XX/2020 ). I paid online through my bank on XX/XX/2020. Prior to receiving my payment, and not even a month after sending the bill they put it as a " charge off ''. They sent a notice saying I was paid in full but did not retract the charge off and it has destroyed my credit. I tried fixing this with XXXX  and Equifax and am getting nowhere. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I turned in a XXXX XXXX XXXX early. My mileage limit was XXXX. The car had approximately XXXX miles at the time of turn in. I had completed all, repeat all of my monthly payments for the lease. My lease matured in XX/XX/2020 and I did not lease or purchase another XXXX. XXXX XXXX XXXX ( XXXX ) issued a fee of {$900.00} for excess wear and tear and a lease maturity turn in tax and other items ( items that they admittedly will waive if you purchase or lease another XXXX ).  None of the {$900.00} was related to monthly payments. I received a notification that my credit score had dropped 87 points because XXXX reported a 90 day past due status on a payment. My position is that XXXX incorrectly reported the {$900.00} as a late payment. It is not a payment. It is a fee that was not negotiated by either party. I am not sure if it was even in the lease contract but even if it was it has nothing to do with a monthly payment. I explained to XXXX also that COVID-19 economic hardships had hit my family hard and that I requested that they reclassify their reporting. XXXX refused and stated that I had to make a payment or the account will continue to show as past due and my credit score would continue to take hits. I had to make an initial payment to stop the bleeding and to bring the account up to date. 

The late payment report should have not been reported as a late payment. It should have been reported as an unpaid fee. During my telephone call with XXXX on XX/XX/2020, I tried to work the situation out explaining that they reported incorrectly. It wasn't a late payment is was a non-negotiated fee that XXXX tacked on because I didn't lease or purchase another XXXX. XXXX refused to reclassify their reporting, and now I have an 87point credit score decrease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
Back in late XXXX of 2020, my boyfriend and I made plans to move into an apartment. We were all set to move in when COVID-19 hit our area XX/XX/2020. By that time, jobs were closing down, and I soon found myself unemployed, as my job shut down, too. I wasn't making any income to even attempt paying off this collection, and am still making no income from the effects of this pandemic. I'm still struggling to find any means of pay. In addition, my boyfriend lost a lot of his work hours, so we were making little to nothing. Even if we did move in, we would not have been able to pay the monthly rent. We still can not afford the monthly rent, let alone this debt collection that, for some reason, was charged on both of our accounts. The amount we were charged with is the total yearly payment on our apartment, times two. Blakely Witt & Associates is charging both of us {$18000.00}, which isn't applicable in the slightest since we aren't making anywhere near that much money, and if we were going to live together in the same apartment, it baffles me that we are both being charged this much for it. We'd be having to fork out a total of {$36000.00}. We don't make that kind of money at all! I attempted to file a dispute through XXXX  on XX/XX/2020 for these sudden charges, but as of today, both companies have reviewed my dispute and stated that my debt collection remains in my account, and wasn't removed. This isn't fair for us, because my boyfriend 's mother was planning to move into an apartment in the same complex, yet she was able to dispute her debt collection that charged her around the same amount from the same company. She opted out of moving in because of the coronavirus, as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
Please remove my fraud alert and consumer statement. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have applied to refinance two home loans with Fifth Third Bank. The applications were completed at the end of XXXX and I was told it might take 3 months to complete. We are closing in on 5 months, now. I am continually told that everything is in process but can not get a firm answer about approval or closing. My loans are straight forward, no risk loans. One is for 20 % XXXX ( XXXX ) and the other 65 % XXXX ( XXXX ). I am high net worth individual. 
I have talked with XXXX XXXX, Loan Originator and XXXX XXXX, Loan Underwriter. I can't get a straight answer. I feel misled and an application should not have been taken if this instituition can't process loans with 5 months time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: VI

Complaint narrative:
I have been disputing some derogatory information on my credit report that is not correct and is having a severe effect on my personal well being and also destroying any access that I might have to a better quality of life. I have being denied housing because of false and misleading information given to potential lenders and items having to do with finance. The things that Ive been disputing is XXXX and XXXX. XXXX  have been reporting some incorrect information in regards to my payment history that my files show that theyre incorrect. I have written to XXXX many times to correct the problem and they have always refused to answer. When I write to the credit reporting bureaus they would say that it is verified. So they are obviously playing a game on the consumers. 2. XXXX : The charge card that I had from XXXX had a limit of XXXX dollars, on my credit report theyre say8ng it was XXXX. So clearly this account is not mine. I have also written to XXXX many times and they have never write be back nor send me any information to validate the account. When I dispute this problem with the credit reporting agencies they send me back a letter sometimes quicker than a week or XXXX saying the account is verified. Clearly they dont do the proper investigation and this is a heap of XXXX that needs to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: OH

Complaint narrative:
This is account is not OPEN and the credit agencies will be held liable for this action by reporting INIACCURRENT information to my credit report. No activity has been going with account and payments have been made. This account should be reported as " CLOSED '' and the credit agencies are in violation of the Fair Credit Act 611. 

In addition, to that XXXX XXXX does not OWN this account and it was sold to another party, so how can they report " INACCURRENT information on someone credit report. 

LAST DATE OF ACTIVITY WAS THE LAST PAYMENT MADE. Where is that information? 

I will contact the Attorney General Office as well for assistance with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I called them telling them that I had been trying to get debt validation and they sent over printouts from when I attended the school the debt came from. I called them telling them that this does not show me how the amount is what it is. She said well thats all the University sent over. I said well you need to take it off my credit report if you are not going to send sufficient paperwork showing how this amount is owed because printouts of the work I did in the classes is not sufficient. She started yelling at me and cursing saying well the debt has been validated we aren't taking XXXX off your XXXX report then hung up the phone in my face. 
Ive been asking for this info for months and they only provided printouts of the work I submitted while I was at XXXX University but nothing validating debt. I do not owe any money to this school.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: OH

Complaint narrative:
This is account is not OPEN and the credit agencies will be held liable for this action by reporting INIACCURRENT information to my credit report. No activity has been going with account and payments have been made. This account should be reported as " CLOSED '' and the credit agencies are in violation of the Fair Credit Act 611. 

In addition, to that XXXX XXXX does not OWN this account and it was sold to another party, so how can they report " INACCURRENT information on someone credit report. 

LAST DATE OF ACTIVITY WAS THE LAST PAYMENT MADE. Where is that information? 

I will contact the Attorney General Office as well for assistance with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: OH

Complaint narrative:
This is account is not OPEN and the credit agencies will be held liable for this action by reporting INIACCURRENT information to my credit report. No activity has been going with account and payments have been made. This account should be reported as " CLOSED '' and the credit agencies are in violation of the Fair Credit Act 611. 

In addition, to that XXXX XXXX does not OWN this account and it was sold to another party, so how can they report " INACCURRENT information on someone credit report. 

LAST DATE OF ACTIVITY WAS THE LAST PAYMENT MADE. Where is that information? 

I will contact the Attorney General Office as well for assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.

Company response to consumer: Closed with explanation