vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report IMMEDIATELY. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) states that I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

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 2022-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
Dear XXXX -- I have had continuous issues with DHI Mortgage in applying for my new home loan. There has been misclassification of a XXXX gift from my mother that they tried demanding was a " downpayment '' gift more than XXXX weeks before my decision to purchase the home. They tried to force my mother to sign an illegal gift letter and wanted her personal account statements to review although she has no relationship to my home. They have also begun calling employers I have not had any contact with for over 3 years even though they have W2s and tax returns. They have refused to believe I am employed with my current employer and have asked repeatedly for their " employment verification service '' they use. They have an offer letter, W2s, and pay stubs for verification here. They have further harrassed me by continuously spelling my name wrong and asking for bank statements back to 7 months before the expected closing of my home. Lastly, they are adding {$1100.00} in closing fees for unknown reasons and have refused to explain the charges. These type of deceptive and harrassing mortgage practices should not be allowed to continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
FRCA Violation credit card XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation loans XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRCA XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX 
{$850.00} Balance updated XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$390.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX  Original creditor : XXXXXXXX XXXX  {$540.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX  Original creditor : XXXX XXXX {$380.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXX XXXX. 
{$1000.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX XXXX$3100.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX BANK {$2400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
FRCA Violation credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA XXXX XXXX PORTFOLIO RECOV ASSOC XXXXXXXX creditor : XXXX XXXX XXXX 
{$850.00} Balance updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX {$390.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX {$540.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXK {$420.00} Balance updated XXXX XXXXXXXX XXXX PORTFOLIO RECOV ASSOC Original creditor : XXXXXXXX XXXX {$380.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXX XXXX. 
{$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX  {$3100.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX  Original creditor : XXXXXXXX XXXX {$2400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX  {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: KS

Complaint narrative:
i have over {$100.00}, XXXX of student loan debt. The subserviceer of this asks for certain paperwork from Social Security. I am on permanent XXXX. I provided that information to them and they stated it was wrong. I called back and they stated it was on the form requested and had all of the necessary information and I qualified and they should not even need the form but it was provided to me to forward as a courtesey. They got a form from my pracitioner who maintains my health and they would not accept that information either. i don't know what to do. I have been on XXXX permanently since 2009. I am not getting anywhere and can not pay this I get {$800.00} a month that is all. I don't work because I can't not because I don't want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NY

Complaint narrative:
I received a letter from XXXX XXXX  stating that due to information they received from Transunion Consumer services that they had closed my account without my consent even though my account is in good standing and my credit is good. Trans union implied that i had too many charge accounts and revolving credit which is not true. I pay all my credit cards including the one i had with them on time every month. In fact my bill to them was paid in full and i never had a credit problem with them or any of my current accounts. Where does XXXX XXXX  and Transunion Consumer Relations have the right to do anything to my account without my consent or put false information on my report and try to ruin my credit and my reputation and so obviously are wrong, XXXX XXXX  is no longer providing services and now XXXX has been turned over to another bank which I found out when I called them. i want my credit card reinstated immediately and this false information taken off my report. With that i also want a letter of apology from XXXX XXXX  and Transunion as I feel that the way I was treated was totally out of line. i feel that they are discriminating against me as a single woman and also discriminating against me due to income. i am going to attach the letter I got from them.

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 2022-04-27 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: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
A fraudulent account was opened in my name on XXXX XXXX with Congress Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NC

Complaint narrative:
In Accordance with the Fair Credit Reporting Act and XXXX Account # XXXX, # XXXX # XXXX # XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : 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 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
there is collection charge for XXXX usd in account which needs to be removed since it got opened fraudulently

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 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report IMMEDIATELY. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) states that I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

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 2022-04-27 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: NC

Complaint narrative:
In XXXX, 2022, I notified XXXX XXXX XXXX by phone of a error/fraudulent charge on my XXXX card ending in XXXX. I was told at the time that XXXX had cancelled the card and they would issue a new card. I would only be responsible for the valid charges. Immediately, XXXX cancelled my on-line access to the card, so I had no way to determine if any other fraudulent charges had occurred. About 3 weeks later, I received a new card ( XXXX ) but had no access to it. I subsequently got a notice that I was late on the payment of the card and it listed an amount that did not seem reasonable. In XXXX, I called into the XXXX call center. I remained on hold for approximately 30 minutes and when the line was picked up, the representative could not delineate the source of the charges. I still had no access to my accounts as neither card appeared on my login screen. In XX/XX/2022, I received further collection notices from XXXX and an independent collection agency. I also received a notice from XXXX that my XXXX score was decimated. They had dropped it from XXXX down to XXXX in just two months. I called XXXX to complain and I was told that there were now two late charges. After discussing the matter at length, I was told that a supervisor had approved both late charges to be removed. I visited a XXXX branch and was informed of the charges on the credit card - Including one additional fraudulent charge for {$100.00} and the 2 XXXX late charges were still on the card. The local branch gave me access to the account and I paid off the full amount - less the late fees that were to be removed. I contacted the vendor that had billed me the {$100.00}. They admitted the error and sent me a check, since the card they had used was now closed. I continued to receive late notices on the late fees from XXXX. I called again and was sent to the " Escalation Department ''. This should be called the De-escalation Department. They have done nothing to resolve my issue and have needlessly delayed all efforts to get this matter resolved. I have called them many times. They always say they will return calls within 24-48 hours and NEVER meet those commitments. The sad state of this matter and the purpose of this complaint is that I did the right thing by reporting a fraudulent charge according to the XXXX XXXX system. For that, I have had my XXXX score wrecked and wasted countless hours on the phone and in the branch, explaining and re-explaining my problem to no avail or attempted resolution on the part of 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 2022-04-27 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: GA

Complaint narrative:
I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I have reached out to the creditor on multiple occasions asking for assistance. I am struggling due to being XXXX  with XXXX. The creditors response ... ..lowering credit limit to a few XXXX dollars above balance, charging fees and refusal to accept partial payment.

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 2022-04-27 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: PA

Complaint narrative:
To Whom This May Concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May Concern : Hope your day is well. Please remove my consumer statement or personal statement off my Equifax credit report. I believe you have q police report on my consumer statement, and I need that to be removed off my statement ASAP. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b

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 2022-04-27 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: GA

Complaint narrative:
I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b

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 2022-04-27 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: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
Hello, In XXXX of 2021 I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Axos Bank - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Hello, In XXXX of 2021 I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX AMERICREDIT XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May Concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. Other Accounts : XXXX XXXX XXXX XXXX XXXX  ( Please see attachment ) Revolving Accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Installment Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Please add my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called company to close account and payoff amount on XX/XX/XXXX. I then made the payment amount of the " total payoff amount ''. However, after the account was closed on XX/XX/XXXX, they applied new charges that they neglected to include in the payoff amount. They neglected to add in the correct " interest '' and left off one of the " pending '' charges that was made on XX/XX/XXXX. I called the company and they confirmed, that they made a mistake, and they should have included that pending charge and that they did calculate the interest incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name XXXX XXXX XXXX and I am submitting this complaint without any influence from a third party or agency.

Company response to consumer: Closed with explanation