vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an entry on my credit file which doesn't belong to me with Equifax for an account with an unpaid balance of {$58000.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of EdXXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TX

Complaint narrative:
There is a collection on my report for an account I never signed for its clearly signed by XXXX XXXX not by XXXX XXXX XXXX. Although it has my name typed there I never signed this as a joint account. I have attached all supporting documents from the original agreement after speaking with the collection agency.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an entry on my credit file which doesn't belong to me with Equifax for an account with an unpaid balance of {$26000.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of Ed/XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: FL

Complaint narrative:
I disputed this account with Equifax. I have no idea what this is on my report nor is it showing and original creditor or collection agency to validate the debt with. 
Per FCRA rights this information must be reported in order to validate the Debt. 
With that being said this is misleading false reporting and it should be deleted immediately. 

The account number in question is showing as : XXXX. 

Below i have attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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:
I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: MD

Complaint narrative:
I have a loan being financed through XXXX XXXX XXXX XXXX. It is not being report on my consumer report. My consumer file is inaccurate and incomplete. Its not reflecting my payments to my lender. Under FCRA 611 laws I need my account to report to my consumer file.

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 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
During the Great Recession, like so many Americans, I financially struggled to pay my mortgage and faced foreclosure. I also had health issues and was diagnosed with XXXX XXXX. Making every attempt to keep my home I contacted the mortgage company, XXXX  XXXX  XXXX, for mortgage assistance options. 

As I worked to follow Aurora Loan Services ' instructions, which were often misleading, confusing and untimely, my account incurred fees which were never waived as promised. The deferred fees were transferred with my account when it was sold to Nationstar Mortgage and now total approximately {$1400.00}. 

XX/XX/2019, I suffered a XXXX XXXX exacerbation that rendered me unable to work. My health has forced me to apply for XXXX and I contracted XXXX XXXX which created even more challenges. I am now seeking mortgage assistance on two mortgages with Mr. Cooper. One modification has been denied twice and is currently pending after Mr. Cooper ordered a property valuation that was my financial responsibility. The other mortgage that was sold to Nationstar is under forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Account was closed but I was not sent money that I had left in account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I went into forbearance in XXXX of 2020 because I am a XXXX XXXX and my work was affected by the pandemic. Before I entered into the forbearance, I read about the CARES act and saw that entering pandemic related forbearance would not affect my credit, or my ex 's credit because while I own the title to the property, he is on the mortgage still. I have asked about this every time I spoke to my mortgage company and they said that our credit would not be affected. My ex has taken me to court, saying that his credit has been harmed by my forbearance. I would like to speak to someone who can explain to me the CARES Act rules about how credit is not affected by entering the forbearance program. In addition, I was told that my deferred payments would be " tacked on to the end of the loan '' which I wrongly thought meant that the loan maturation date would be changed. On Monday I found out that through HUD that deferred amount is now a balloon payment that will be a lien on the property until it is paid off, and that the loan maturation date remains the same. No one explained this as part of the pandemic forbearance process to me. I see now that I could have gone to this site and HUD and learned more, but I didn't understand that I needed to do that. My lender gave me a website to go to, but I asked and thought that it was a separate program, not the one that I was participating in so again, I didn't look. The communication process didn't ensure that I understood what was happening. I would like for someone to help me understand how that lien will affect the credit of myself and my ex, because he is seeking to force me to refinance or sell the home to get him off the mortgage, and he is saying that the lien is damaging his credit. I would appreciate understanding how the lien will affect our credit and if that is allowed under the CARES Act because it states that credit will not be affected if you enter into the pandemic forbearance program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InstaMortgage Inc.
State: TX

Complaint narrative:
I work in the XXXX XXXX, and I received a deceptive mailer from Arcus Lending ( now doing business as XXXX, NMLS # XXXX ). The mailer is obviously intended to trick the receiver into thinking it's a past-due bill. It has the name of my existing VA mortgage lender ( XXXX ), and it contains language like : FINAL NOTICE, IMMEDIATE RESPONSE REQUESTED, and TO THE ORDER OF : XXXX XXXX. When you open the mailer, the ( extra small ) fine print indicates it's from Arcus Lending, but there's a big bold 1-800 number along with a " Notice Number. '' This is obviously intentional ... They are trying to trick the receiver into not reading the fine print, but just calling the number. So, I did call the number and played XXXX, and asked the guy if this is a bill from XXXX. He reads what sounds like a pre-scripted response to tell me it's not a bill, and he's not with XXXX, and I've qualified for their XXXX  program. I ask him who he's with if not XXXX, and his exact words are, " Im with the Texas VA Mortgage Program. '' I ask again, and he again tells me he's with the " Texas VA Mortgage Program. '' At no time did he identify that he was with Arcus Lending or XXXX. I believe these are intentional deceptive business practices that are likely created to trick elderly veterans into contacting the company, so they can be given a high-pressure sales pitch to refinance their homes. Even the language on the phone seemed design to confuse the person into not knowing this was just a solicitation call to refinance a home with a different mortgage lender. I have shown the mailer to multiple colleagues in finance ( including at XXXX ), and they all agree that these appear to be blatantly deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax website does not allow for court documents to be uploaded. I called about the issue and they said I had to either fax or mail the documents. I now have to pay to dispute harmful items reported by negligent lenders because they refused to accept the court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Pursuant to Federal Law Title 15 USC 1666a a creditor shall not directly threaten to report any person adversely on the obliges credit. After receiving notice BRIDGECREST has failed to follow procedures pursuant to FEDERAL LAW Title 15 USC 1666a ( a ) and 15 USC 1666a ( b ) ( i ) after receiving WRITTEN notice the creditor shall not later than 30 days after receipt of notice ( XXXX XXXX XXXX via certified mail and signature for proof. ) send a written acknowledgment and make appropriate corrections in the account. Upon notice which was signed for included an Affidavit of Truth aswell as a Cease and Desist and a Bill of Particulars. BRIDGECREST has failed to comply with the cease and desist order by continuously contacting me. Which all contacts have not been in compliance with Federal Law Title 15 USC 1666a ( a ) ( b ) ( i ) or 1666a ( b ) ( ii ). Instead BRIDGECREST has violated me as a FEDERALLY protected consumer by ignoring my cease and desist order aswell as threatening to take adverse action against any and all amounts in dispute pursuant to federal law.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax never investigated inquires and they willing knew it was a violation of my rights so they are liable pursuant to USC1692K 813 civil liability There deletion is admittance to them reporting inaccurate information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TN

Complaint narrative:
I was notified by another collection about an account previously with Enhanced Recovery Company. The account was settled on XX/XX/2021. I have the receipt to show the account being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. XXXX mortgage closed my account on XX/XX/XXXX. XXXX  is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. XXXX  and Transunion are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting XXXX they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. XXXX mortgage closed my account on XX/XX/XXXX. Equifax is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. XXXX  and XXXX  are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting XXXX they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. XXXX mortgage closed my account on XX/XX/XXXX. XXXX  is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. Experian and XXXX  are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting XXXX they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is NOT a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My wife and I decided to take advantage of low interest rates and re-fi our existing 30 year term loan with PNC to a 15 year term loan and locked in on a 2.75 % rate loan. This is a rental property. It was mentioned at the start that we could expect a closing in XXXX or early XXXX. 

We have provided all documents requested and PNC keeps asking for more updated information, including credit checks, which reduce our score each time. 

We feel that PNC is slow-walking us since there is no incentive for them to reduce their income from us. 

We incurred appraisal fee of {$680.00} at the start which appraisal has now expired. 

What recourse do we have? 
Thanks, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank froze my account for what they consider is " suspicious activity '', which is me trying to log on to mobile banking. And then when I called to verify my identity, they said they couldn't find my name attached to my phone number in their third-party database of " public records '', even though my phone number is recorded in Citibank 's system. 

Now they have blocked my access to banking. I can't use my money to pay my rent and bills. They won't let me take the money out to go somewhere else. The 90-day hold they're placing is the period of time I need to use the money. 

I need my money back asap. Citibank is blatantly withholding my money without cause and being inflexible with their own house of cars of a risk policy.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
This account is being reported as Collection/Charge-Off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I had bank fraud committed on my checking account with Chase for over {$1800.00} in ATM withdrawals by a thief. I reported it to the banks fraud department and filed a police report. They gave me a temporary credit and in 6 days took it back. The only thing is MY money was still stolen and they took my social security money. It is still overdrawn and my son, who is on my account, receives his XXXX check on the XXXX of the month and they will take that as well. This is social security AND XXXX and I do believe that is illegal. I don't know what else to do to my knowledge. Once you go to the police, what's left??? I did send emails to XXXX XXXX XXXX, the XXXX of Chase and someone in the XXXX office did respond, but did nothing. I still haven't heard back from them. I am the victim in this XXXX XXXX state and now I'm being victimized by the bank that is supposed to protect their customers. HELP ... ..I am desperate and don't know what to do. I am going to see about suing them, JUST to get my rightful money back, nothing else. I need help ... ..is anyone out there? I am also filing suit with the Attorney General 's office in this state for all the good it will do. Someone out there has to be humane enough to help and point me in the right direction. I'm going to blast them all over social media as well.

Company response to consumer: Closed with monetary relief