vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
In 2016, my Home Equity Line of Credit with First Citizens Bank in XXXX, NC matured. I asked to have it renewed. They asked for tax returns which I provided. As my returns are complicated, they asked for more information and ordered an appraisal. This information requests were repeated a few times over many weeks or months until they made a final decision to not renew and I paid the balance in full. 

During the time we were negotiating a renewal, I did not receive statements. Later I learned First Citizens had been reporting the loan as late. How could my loan be considered late when no bill was provided for me to pay? 

I have written to First Citizens twice and received no reply. When attempting to reach them by phone, there is no one available to speak with. I was told the credit reporting department does not speak with customers or former customers. I would appreciate anything you can do. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#8362****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
XXXX is continuing to report errors and inaccurate information on my credit Report from the collection agency LockHart Morris & Montgomery original creditor XXXX XXXX XXXX on three separate accounts. 

Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 

It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher LockHart Morris & Montgomery ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I sent Experian a followup letter regarding a previous letter from XX/XX/2021 and XX/XX/2021, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX XXXX which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/2021 that has not been addressed neither by the credit bureau Experian nor the credit, XXXX XXXX XXXX  The investigation took way longer then 30 days and they never sent anything to my email as they claimed the emails were bouncing back which I doubt as this has been my correct email address for many years. They are both in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Experian and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Experian and 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 2021-05-13 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/21, I was shopping at Victorias Secret and the associate tried to talk me into applying for a VS credit card. I said NO, because I did not want another hard inquiry on my bureau. She told me it was only a soft inquiry. When I went to check out, I asked a second associate to confirm that the credit pull was soft vs. hard. She also confirmed it was soft. I said IF that was the case I would apply. No application was presented to me prior to applying ; therefore, there werent even terms and conditions to review, which would typically state something about the credit inquiry. They took my drivers license and opened the account. No signature required. The next day I received an alert from XXXX that they DID perform a hard pull. I am absolutely LIVID!!! Basically, I was mislead into opening the account. The account was opened with Comenity bank/Victorias Secret. Based on the misinformation provided and lack of authorization to pull hard inquiry, I want this inquiry changed to soft or completely removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 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: ERC
State: NJ

Complaint narrative:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX***

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I filed a dispute with Experian and reported to the CFPB regarding an inquiry on my credit report and the response said the inquiry was not listed. 

I checked my credit report today XX/XX/XXXX and the inquiry is still present on my report. On XX/XX/XXXX XXXX XXXX XXXX placed a hard inquiry on my experian report WITHOUT my approval. Please remove this inquiry immediately as I did not authorize this. This is my 2nd time requesting this to be removed and I was told the inquiry did not exist yet it is still on my report. Please remove the inquiry expeditiously.

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 2021-05-13 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: NY

Complaint narrative:
On XX/XX/2021, I sent Equifax a followup letter regarding a previous letter from XX/XX/2021 and XX/XX/2021, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX ' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/2021 that has not been addressed neither by the credit bureau XXXX note the credit, XXXX XXXX XXXX. They are both in voliation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Equifax and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Approximately FOUR MONTHS after closing on our refinance, we were contacted by e-mail by XXXX advising there was an " issue '' with our property taxes amounting to a {$3500.00} shortage that would be needed to be paid. WE IMMEDIATELY followed up with the company demanding how could the property taxes be missed. This is when XXXX XXXX advised that the expenses including winter taxes, a delinquent water bill was the driving force and could not be anticipated prior to our closing. HOWEVER, upon my research and speaking with someone with the City of XXXX XXXX, this is absolutely NOT TRUE. This information could not only have been anticipated, but also confirmed PRIOR to closing. The water bill itself was simply a call to the municipal building that would've provided any balances HAD that been inquired about. So, this is an untrue statement. Furthermore, this is information is public record and could've been requested and obtained from our city municipal website. The City Office is unclear as to why this information is so " baffling and unanticipated '' as Mrs. XXXX claims. They assured me that this is a common practice and that information could've been provided at ANY TIME during the year. 

Secondly, I would like to note that this process has been riddled with inaccurate, rushed information from the very onset. Always a fee, always a representative having to do research with underwriting. Now, here we are 5 months into our refinance and being blindsided with a nearly $ XXXX bill. WHY WAS THIS NOT TAKEN FROM ESCROW OR ADDRESSED PROPERLY AND PRIOR TO THE RUSHED CLOSING? 

Simply, because this was a RUSHED process to attempt to close as many loans as possible. If I called and got all the information needed within a simple 15 minute phone call, as well as was guided through a system online with information pertaining to the public records regarding the property address where the information they are FALSELY claiming that the information they are seeking was " unanticipated ''. The representative at the City Clerk office said that statement is simply UNTRUE.

I can only imagine how many homebuyers are being treated in this way. We have submitted a requested to the FTC requested research into this unethical business practice to determine if this is affecting hundreds, if not THOUSANDS of individuals who have recently refinanced with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I once owned a timeshare with XXXX XXXX in XXXX Florida, due to COVID I explained I could not afford the property. They provided me with a lu-dod program which is paper work with my personal info agreeing to give back the property with the payment giving of XXXX $ I paid received the paperwork and I notarized the paperwork they received and dismissed the paperwork because the notary did stamp was above the signature line. Then they put a late payment on my credit report. Then they emailed it again I did the same notary and sent it again, its been 2 months since original date they received the lu dod paperwork XX/XX/2021. They are violating my consumer rights, and false late payments on my credit, 15USC 1681 under the exclusion section ( 2 ) A ( I ) I need this off of my credit as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Harris & Harris, Ltd.
State: UT

Complaint narrative:
3 collections accounts from XXXX via Harris are fraudulent and not mine or my families.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: SC

Complaint narrative:
Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is continuing to report errors and inaccurate information on my credit Report from the collection agency XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX on three separate accounts. 

Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 

It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher XXXX XXXX XXXX XXXX ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: GA

Complaint narrative:
someone used my name and social

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 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I once owned a timeshare with XXXX XXXX  in XXXX Florida, due to COVID I explained I could not afford the property. They provided me with a lu-dod program which is paper work with my personal info agreeing to give back the property with the payment giving of XXXX $ I paid received the paperwork and I notarized the paperwork they received and dismissed the paperwork because the notary did stamp was above the signature line. Then they put a late payment on my credit report. Then they emailed it again I did the same notary and sent it again, its been 2 months since original date they received the lu dod paperwork XX/XX/2021. They are violating my consumer rights, and false late payments on my credit, 15USC 1681 under the exclusion section ( 2 ) A ( I ) I need this off of my credit as soon as possible please.

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 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XXXX I applied to refinance a rental property with PNC Mortgage Co. I purchased the property in XXXX. I also refinanced property ( with PNC XXXX in XXXX. I received approval for a refinance for a conventional mortgage at a lower rate. All going great, rental appraised at 3 times what was owed, credit rating is XXXX, funds in accounts that would pay loan off if needed, loan doc online to sign and then nothing from PNC. XX/XX/XXXX, the mail brought me a letter stating my credit was not approved because PNC does not offer the terms requested. 3 months later after all the paperwork completed and in XXXX I find this out! PNC has my mortgage but the letter states it does not have conventional fixed loans. I do have a conventional fixed loan with PNC now. I wasted 3 months and will never be able to get the interest rate I was offered in XXXX now with anyone else. All interest rates have gone up. 
I complained to PNC and a loan officer called XXXX not mine ) and was ugly, telling me PNC did not make those kind of mortgages. Like I would know! I asked just what kind it was and I wanted details on just what was wrong or what was THOSE KIND. No answer. No offer of a modification so the mortgage would work, nothing. So why deny my credit? My age? I have never heard from my original loan officer since the loan doc needed to be signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The Credit Card company starts charging interest the moment the charge is made. Unlike any other credit card, there is no statement grace period.

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 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I made a purchase using PayPal and after several attempts to reach the seller of the item I reached out to PayPal for assistance and the seller magically responseed to PayPal when I opened a case against them for refusinf ro send me a return label to return the fraudulently items they sent me that was nothing like the advertisement on the website. After XXXX got involved they said I have until XX/XX/XXXX to return the item but they refused to provide a return label to return the item. I have no problem returning the items but I will not pay for shipping the items back as this was not what I ordered in the beginning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I recently received something in the mail saying that I owed XXXX for a XXXX XXXXXXXX credit that I never knew existed. My concern is not only the fact that this debt does not belong to me and is clearly fraudulent but the simple fact that the first form of communication received concerning its existence was in the form of a court order. This is not the appropriate way to handle a collections case in the state of Virginia. To further argue the validity of this debt, I must call attention to the fact that this debt is made out to a name that I have legally not used since XX/XX/2016. I lived in a shared living space during the time that the creditor alleges I incurred this debt which further questions it's legitimacy. Below, you will find a picture of my identification that outlines my legal name as proof. I demand valid proof that I, XXXX XXXX XXXX XXXX, approved the opening of this line of credit or it is removed from my credit report and no further collection action is taken. I'd like to call attention to the fact that this credit is only showing up as closed on 2 of my credit reports and both show a different close date.

Company response to consumer: Closed with explanation