vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the following items with EQUIFAX to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company : XXXX XXXX opened date : XX/XX/XXXX amount : {$470.00} company : XXXX XXXX opened date : XX/XX/XXXX amount : {$1300.00} company : XXXX XXXX XXXX 
opened date : XX/XX/XXXX amount : {$0.00} company : XXXX opened XXXX : XX/XX/XXXX amount : {$0.00} company : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount : {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
We were denied request for assistance on the loan modification. CHFA is not taking any of our phonecalls. I call and they hang up. I call regarding my existing loan and they take more than XXXX hours to answer and then " accidentally '' hang up. I feel they are forcing me to lose my home. They have never tried to call me to fix my loan, they are foreclosing without properly notifying me or my family. I have a family of XXXX currently living at our home. I am trying to modify my CHFA loan and they continously deny and close all of my requests after I have provided them with everything they ask for. Its not fair or ethical at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2022-04-07 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: IL

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-07 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: NY

Complaint narrative:
What was the method of verification? This account is in violation with XXXX compliance. I have yet to receive any notifications about the status since I started disputing these accounts in XXXX 2021 I am having trouble trying to find date of last actively ( XXXX ) on these accounts : XXXX XXXX And XXXX, XXXX, XXXX XXXX In. XXXX 

I have made several attempts to have these accounts removed. I have no contractual obligations with any of these companies reporting on my credit reports.

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 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing, Inc. ( SPS ) and XXXX XXXX, XXXX I sent a letter to SPS on XX/XX/XXXX requesting consideration for a short sale. They responded by saying I had to fill out the application online and submit the required information. I filed the application through their website on XX/XX/XXXX. 
On XX/XX/XXXX I received notification stating that the application information was incomplete and that it had to be resubmitted within 90 days or I had to start over. 
The information submitted WAS complete. I've had an attorney working with me to get a response from them and he resubmitted the info himself. Since that time I have received numerous form letters stating the same things over and over - " submitted documentation is insufficient or information is still needed ''. This has been going on for 8 months and I'm no closer to resolution than when I started. These letters are simply a stall tactic. I have also sent letters to XXXX XXXX, the CEO of XXXX XXXX  and have simply been ignored. The letters were sent signed receipt requested and I have proof they were received. A letter was also sent to your office on XX/XX/XXXX and also went un-responded. I have an offer on the table for the sale of my home and I can't get anyone to respond or work with me on a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Told to dispute my credit Wrong escrow analysis which caused my mortgage to be late. 
Made over payments for several years Arbitrarily raised my mortgage payment XXXX XXXX told me to dispute my credit report, adjusted mortgage back to original payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Over the past few months, I've been having a lot of fraudulent activity going on with my credit reports for all three credit bureaus. I would have numerous amounts of inquires pop up on my account that I never gave authorization for. This activity started from XX/XX/XXXX up until XX/XX/XXXX. I've called all of these companies numerous amounts of times to investigate and get them to remove the accounts, but they tell me to dispute it with my credit bureaus. I've also gone back and forth with all XXXX credit XXXX, sending multiple letters and got no where.

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 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX  and XXXX XXXX  credit union repossessed my car. The company is reporting incorrect and inaccurate account information to all three credit bureau. I never received a letter stating the company was coming to get the vehicle. I was only late 30 days before XXXX repo the car. On my credit report it shows that the car was repossessed in XXXX which is not true I was in the hospital with XXXX at the end of XX/XX/2021 my car was already gone. My car was repossessed on XX/XX/2021 for being 30 days late. 

the are reporting XXXX different account number for the car loan. XXXX account shows the repo and the other account shows the balance after the car was sold. 

account number ending XXXX XXXX is showing {$1800.00} account number ending XXXX XXXX is showing {$17.00} and is saying unsecured for a car auto. This is inaccurate both account number belong to the car loan.

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 2022-04-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX and XXXX federal credit union repossessed my car. The company is reporting incorrect and inaccurate account information to all three credit bureau. I never received a letter stating the company was coming to get the vehicle. I was only late 30 days before XXXX repo the car. On my credit report it shows that the car was repossessed in XXXX which is not true I was in the hospital with XXXX at the end of XX/XX/2021 my car was already gone. My car was repossessed on XX/XX/2021 for being 30 days late. 

the are reporting XXXX different account number for the car loan. XXXX account shows the repo and the other account shows the balance after the car was sold. 

account number ending XXXX XXXX is showing {$1800.00} account number ending XXXX XXXX is showing {$17.00} and is saying unsecured for a car auto. This is inaccurate both account number belong to the car loan.

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 2022-04-07 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:
My credit information including ssn # and address and dob were obtained fraudulently and was used to obtain XXXX XXXX and personal bank info and loans. is is even with me having a fraud alert on my credit report. 

XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$510.00} XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NC

Complaint narrative:
My credit information including ssn # and address and dob were obtained fraudulently and was used to obtain XXXX XXXX and personal bank info and loans. is is even with me having a fraud alert on my credit report. 

XXXX XXXX XXXX  {$53.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$510.00} XXXX {$1000.00}

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 2022-04-07 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: NY

Complaint narrative:
I recently looked at my credit report and noticed an account named enhanced recovery co l that is unknown and is connected to a fraudulent item on my credit report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC
State: PA

Complaint narrative:
I went to visit XXXX XXXX XXXX on XX/XX/2021. I had dental insurance by XXXX XXXX and I checked with them and my insurance would have pay the doctor if she called them. The insurance says nobody from her office contacted them XXXX XXXX 's office office was inadequate to contact my dental insurance and they sent my bill to collection without even sending me a bill ). So far, two errors by her office : 1. lack of knowledge to contact insurance, 2. sending a bill to insurance without sending me any notifications or calls. 

XXXX XXXX had a broken shoulder and was out of job, and the collection did not provide me a way to contact her. The numbers they gave me were wrong, until I found XXXX XXXX 's new office. I talked with the office manager 3 days ago but they have not replied back to me. I can send you the email thread of my email sent to " XXXX '' in which I ask them to call the insurance, even jointly with me, but they did not reply. I had contacted XXXX XXXX 's email at " XXXX '' so I can direct them about the insurance, but she did not reply. I am very tired of this whole process, and I am an American supported by ADA act of congress. The amount of emotional pressure they have put on me is tremendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im unable to access my membership online and Im getting error messages and I would need a ticket to put in to fix the error on my Experian credit report account unable to see my credit score and dispute any items

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 2022-04-07 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: NY

Complaint narrative:
What was the method of verification? This account is in violation with Metro2 compliance. I have yet to receive any notifications about the status since I started disputing these accounts in XXXX XXXX  I am having trouble trying to find date of last actively ( XXXX ) on these accounts : XXXX XXXX And XXXX, XXXX, XXXX XXXX XXXX XXXX 

I have made several attempts to have these accounts removed. I have no contractual obligations with any of these companies reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I was at a Wyndham XXXX XXXX  presentation in XXXX  with my wife. The sales rep said they needed my social security # in order to see what type of time share package I would be eligible for. At no time did the two representatives that did the presentation said anything about me applying for a credit card. We spent 2-3 hours at the presentation and about a half hour after we left, I got an email stating I have been approved for a Wyndham credit card. I never authorized anyone to apply for a credit card in my name. I immediately called the credit card company, explained my situation and closed the card. I tried to contact the Wyndham XXXX XXXX presentation site, but was unable to find a way to call the location directly. I spoke to a sales rep who is unable or unwilling to find out who opened a credit card in my name without authority. 

Secondly, they also did a bait and switch on us. We were told we could sign up for their " XXXX XXXX '' and try out all the time share benefits as a time share owner without commitment. After signing some documents and handing our credit card and financial info over, we discovered the XXXX XXXX have limitations and DID NOT have the same benefits as a time share ownership. The Wyndham XXXX XXXX might have been a decent product, but the sales tactics are so manipulative and deceiving! We were told one thing and then given something else.

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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a Bank of America customer for over 25 years. I have several bank accounts including an IRA account with XXXX XXXX over {$170000.00} plus checking/savings accounts totally over {$25000.00} On XX/XX/2022, I walked into the bank and deposited XXXX checks from the City of XXXX ( {$5000.00} ) and XXXX XXXX XXXX ( {$12000.00} ) ( both government entities ) with a teller into my checking account at Bank of America in XXXX, CA. When I asked the teller if there would be a hold placed on these deposits, he stated that the funds would be available the next business day. I was told that there would be no hold placed on the funds.In fact, the funds were credited to my account and made availble the next business day. 

However, on XX/XX/2022, the bank withdrew and deducted XXXX of the deposits for {$12000.00} and placed a hold on the funds for XXXX business days. I received a letter from Bank of America ( attached ) confirming this deduction. These are not personal checks. They are checks from government entities and should be honored per federal law, I should have been able to withdraw or use the full amount on the next business day because I made the deposit in person to a bank employee. 

Today, I called Bank of America and spoke to an employee asking to resolve this matter and return the funds to my account. He stated that the check could not be valid and they needed days to verify the funds even though the check is drawn on an account with XXXX XXXX XXXX. I told him that this was unacceptable as I was told that the funds would be available so I could pay my bills. He said that was BofA 's policy and I then stated that I would file a complaint to try and get my funds released.

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