vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 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: MI

Complaint narrative:
Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite 7 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of FTC REPORT ATTACHED XXXX XXXX XXXX XXXX Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-16 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: MD

Complaint narrative:
Hi, I am making this complaint because there are multiple errors on my credit report I called the Experian, XXXX, and XXXX but only Experian was willing to help me over the phone although I mailed the dispute in they claim they did not receive it. Please help me in getting these errors removed and proper communication with these companies. Thanks.

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 2022-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Our loan was sold from XXXX XXXX to Mr. Cooper. We were told to continue paying XXXX XXXX. We have never been late on our mortgage payments and have always been on time for four years. But when our loan was sold to Mr. Cooper it has been a disaster. We sent our mortgage payment into XXXX as usual for the month of XXXX, either at the end of XXXX of XXXX we were notified to start paying Mr. Cooper so we sent them a check at the beginning of the month which was XX/XX/XXXX. But now Mr. Cooper says we never sent the payment in XXXX ( which we weren't notified about and already sent a payment to XXXX ) so now Mr. Cooper is claiming we're in default!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I LOCKED capital one XXXX XXXX ending in XXXX because I lost it and I did NOT want any unauthorized transactions or anybody to find the card and use it .the card was LOCKED on XX/XX/2022 so the response I received from capital one that they are investigating the charge of XXXX dollars from XXXX is NONSENSE since the card was locked and NO transactions should have went through .so capital-one needs to give me a permanent credit of XXXX dollars. 
A charge from XXXX for XXXX dollars to my capital one credit card was approved but it should have been declined because the card was LOCKED. The card has been locked for more than a month and NO transactions should have went through.. what kind of company that gives you the option to lock your card but then they approve any transaction while the card is locked. 
How did XXXX charge my card without my authorization and without me having the card and without me buying anything. This is all fraud by capital one and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
XX/XX/2022 I applied with New American Funding for pre-approval of a conventional VA home loan. I purposefully applied to several loan companies at the same time to not destroy my credit score. After submitting the pre-approval, I did not have any contact from the lender so I decided to use a different company. On XX/XX/2022 New American Funding pulled my credit score and it was listed as XXXX XXXX. I thought it was fraud. It took me disputing the credit inquiry only to find out that XXXX XXXX was actually New American Funding. Ive never had a credit pull 2 months after applying for something. I ended up losing my dispute and this pull was listed as a hard inquiry. This is how you hurt consumer credit scores when they are trying to do everything correctly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On approximately XX/XX/XXXX I noticed a closed account on my credit report from a XXXX card for the amount of {$1000.00}. I have since them sent several communications stating that I never Applied or used this credit card. 

I than requested them to send me a copy of the application. The copy they sent me was an online application that was not filed or signed by me. I have filed a police report for identity theft. This company keeps on adding interest on this account that has been closed since XXXX. I have never own a XXXX or XXXX card and I need this information to be permanently removed from my Experian report as it is intentionally affecting my credit score. 

This bank or institution is well aware of the reports I have made to get this issue resolved. They have no more prove than an application made online. If my identity was stolen of course the thief would have access to file an online application and to use the card as well.

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 2022-03-16 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am asking you to look into Navient. I am a co-signer with my son. This loan is XXXX XXXX XXXX. We have had no issues. I have repeatedly called, only to be told many different reasons why this happened. I was never notified of this issue. I was told my email did not work, I have had the same email as long as it has excisted, same phone number too. My credit score went from XXXX to XXXX. I was told another version last night, that Navient puts the payments XXXX makes from direct bank payments, to where Navient wants to apply them. Who does this? This also happened during XXXX. I am pleading with you to restore my credit where it was before this mess. Thank you for your time. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: NY

Complaint narrative:
I have reached out to the credit bureau about 30 days ago and I am yet to receive a response, these items are inaccurate and I demand to have to them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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:
We have lived at our current address for XXXX  years- We owned our house- XXXX and XXXX in XXXX XXXX XXXX XXXX We have XXXX XXXX phones for let 's say over XXXX years. 
I never had a XXXX XXXX XXXX XXXX did my XXXX open up an account in XXXX XXXX  XXXX XXXX. 
The above we are willing to swear under the penalties of perjury. 

My XXXX has served in the XXXX XXXX for XXXX years and I have XXXX years in the XXXX. We pay out just debts on time and in full. I am the victim here .... Well, my XXXX  says that XXXX is the victim!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: GA

Complaint narrative:
My name is XXXX XXXX and I am personally submitting this complaint, please see attached documents as they will explain my complaint and verify my identity

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 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Commercial Acceptance Company Refused to offer any written information past collections letters. No written verification or written agreements, stating that company policy is only verbal agreements and information. This happened on XX/XX/XXXX around XXXX. Verbal promises were made for expungement but unwilling to send anything through writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Reference : HUD PARTIAL CLAIM NO. : XXXX Original FHA Loan Number : XXXX My name is XXXX XXXX XXXX. I would like to file a complaint against the mortgage company named Loan Depot. Basically, in 2020, I applied and obtained a Cpvid forbearance for one year. My monthly payments were {$3200.00}. At the end of the year, I asked to come off the forbearance as I was about to refinance the loan. Based on the monthly amount, the total I owed was about {$38000.00}. However, Loan Depot demanded that I agree to the figure of some {$48000.00}. I had no less than a dozen phone calls with them to convince them that their calculation was inaccurate. Finally, they acknowledged that their calculation was wrong ; that the real figure is {$42000.00}, and they would send me a letter to that effect. The letter never came. As the closing grew closer, I called them practically every day to request that letter. They then sent a payoff to my new lender with a figure of {$48000.00}. Needless to say that the closing agent sent a check to HUD in the approximate amount of {$48000.00}. 

I have called them another two dozen times seeking reimbursement of the extra money they sent to HUD. Finally, they gave me the name, phone number, and email address of a company called XXXX  XXXX, an alleged HUD contractor in charge of handling cases like mine. I called the company to seek assistance. They advised me that someone would get back to me within 24 hours. I sent them XXXX emails to confirm. They have never responded. Just today, I spent another XXXX minutes being jerked around by Loan Depot staff. First, they transferred me to loss mitigation. Loss mitigation transferred me to Default. Default sent me back to Loss Mitigation. They sent me to a department that handled conventional loans for XXXX depot ; not FHA loans. I decided to file this complaint because Loan Depot needs to be sanctioned and made to reimburse the {$8000.00} they wrongfully, forcefully, and unlawfully to frome me to send to HUD although I did not owe them that amount. Please find, attached a letter I sent to Loan Depot in connection with another complaint regarding the misapplication of my mortgage payments. Although some of the figures are slightly off, the letter will provide you with ample evidence of Loan Depot 's derelictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
Received phone call from ( XXXX ) XXXX. Did not answer call. Robo voice left message from Ford Credit to call a different number XXXX. See attachment. I blocked the XXXX phone number after this happened a few days in a row. Then I started getting text messages for the same thing but the text had different number to call XXXX. So I looked up Ford Credit online and called XXXX to ask about this and they said my phone number isnt in their system. They said this sounded like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX : A final payment of {$28.00} was sent to XXXX XXXX. 
XX/XX/XXXX : XXXX received the check BACK FROM XXXX XXXX! 
XX/XX/XXXX : Another payment of {$28.00} was sent to XXXX XXXXXXXX XXXX XXXX XXXX to XXXX XXXX, to ensure the payment was received and not returned. 

- I have copies of my XXXX Statements verifying all transactions. 
- I have a new statement from XXXX XXXX  indicating I have a {$28.00} credit. 

NOTE : I KNEW sending a check to XXXX XXXX  was a viable solution because during an earlier phone call with XXXX XXXX in which I tried to tell them I had sent them the {$28.00} payment, the representative actually looked at the Woman Within account to see if it had been credited to that account. It had not at that time ; so I resent the payment on XX/XX/XXXX. 

My credit report has been affected due to their error. The incessant phone calls for {$28.00} from Commenity Bank is ludicrous and verges on harassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reached out to the credit bureau about 30 days ago and I am yet to receive a response, these items are inaccurate and I demand to have to them removed.

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 2022-03-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reached out to the credit bureau about 30 days ago and I am yet to receive a response, these items are inaccurate and I demand to have to them removed.

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 2022-03-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
XXXX hours between XXXX pm. I contacted the credit bureaus & creditors about unauthorized use of my personal information to creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: MD

Complaint narrative:
Hi, I am making this complaint because there are multiple errors on my credit report I called the XXXX, XXXX, and Transunion but only XXXX was willing to help me over the phone although I mailed the dispute in they claim they did not receive it. Please help me in getting these errors removed and proper communication with these companies. Thanks.

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 2022-03-16 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: MD

Complaint narrative:
Hi, I am making this complaint because there are multiple errors on my credit report I called the XXXX, Equifax, and XXXX but only XXXX was willing to help me over the phone although I mailed the dispute in they claim they did not receive it. Please help me in getting these errors removed and proper communication with these companies. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I was notified by my credit monitoring agency that an account had been reported to my credit bureaus. i never recieved notification of these debts because I moved several months ago. I never recieved a phone call. I never recieved notification of the debt in writing. I offered to pay the debts in full if they would contact the credit agency and have them removed but they refused and said it was not possible. This has happened to me before so i know that it is possible. The agency was very rude. They claimed they had several bills with me from two XXXX. I called those XXXX  and paid the bills with one and when I called the other one, they said that they did not even have a bill in my name. When i tried to get off the phone with the agency, they said if I didn't pay all the bills today they would report them to my credit agencies. They also said that they would refuse to take my payments unless i gave them my phone number. Their tactics were intimidating and unethical and were not in the business of moving to resolve to pay the debt.

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