vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 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: IL

Complaint narrative:
I disputed XXXX XXXX XXXX Account XXXX with Experian and XXXX XXXX 30 days ago. I have not had an account in my name with XXXX XXXX XXXX at any point in time. They are representing XXXX XXXX XXXX and I have never had a XXXX XXXX XXXX account in my name. My ex husband did but he is deceased. This debt was registered in 2021 while I lived in XXXX, Il and I can provide current lease and utility bills as proof. This is now affecting my credit and it is a debt that should never had been attributed to me. I want this removed immediately. Experian and XXXX XXXX should not be charging you to remove things if they are ethical reporting agencies. If I had paid for their services, which I can not afford to do then this would have been 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 explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PR

Complaint narrative:
I made a payment through the automatic online system and it could not be collected for unknown reasons, I have always paid with the same bank account and the money was in the account, I sent the evidence that it was a system problem, this payment was in XX/XX/XXXX and they put a 30-day late payment on my credit report. It happened again in the payment of XX/XX/XXXX and as it was pending I notified it the same day, and not only did they not charge it, they made a debit of {$10.00} for not being able to process the payment, and the money was in the account, that is why I asked them to remove the delay in my credit report and return the {$10.00} collected and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I have made two attempts to have ATG Credit verify this debt which is a ( medical debt ) within a sixty day time frame. They have failed to do so with no compliance. This is a clear violation of Collection Practice. My first letter was sent to them on XX/XX/XXXX the second letter was sent on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received verification of this debt not to mention, this collection is not HIPPA Compliant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
In XXXX of XXXX a credit card with Bank Of America ( BOA ) was fraudulently opened in my name. I did not discover this until the fall of XXXX when a collection agency contacted me. I immediately filed a police report and hired XXXX ( a credit restoration service through XXXX XXXX ) to assist in getting this card off my credit report. In XXXX of XXXX we started calling BOA to get this resolved. Now its been 13 months with zero resolution. 
I have sent them everything they have asked for to resolve, including police reports and other documentation. We have made countless calls to BOA. Its important to note that 3 other credit cards were opened in my name at the same time with 3 other banks. All of those banks released my obligation within a couple weeks of contacting them. BOA has all the information to prove it was fraudulent but continues to do nothing. This has negatively affected my credit as we are now in the process of purchasing a new home- the higher interest rates will cost us several thousand dollars. This needs resolved! I am convinced BOA is not even trying to resolve as they have all the information needed. 
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 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had tried to obtain my free annual credit report for 2022, as I do every year. I had no problem obtaining my report from XXXX and XXXX, but was refused report by Equifax, criminal organization that is spying on Americans and has already leaked their data, including mine, to hackers. When, at XXXX website, I moved onto the stage of getting Equifax report, a window popped up asking me only 2 questions, none of which pertain to my identity, email address and phone number. My phone number is not any of the business of Equifax, I'm already suffering from constant spam calls forcing me to change the number, neither Im required to own a phone number to receive my annual free credit report, as established by law! This demand is a gross violation of my privacy by Equifax. What's next, submit DNA to them to get my free credit report? I had been getting this report for years and was not asked for a phone number, this is illegal demand and is discriminatory against people who do not have a phone. Currently I do not have active phone! I provided my phone number and was refused service. I tried twice and while 1st time they demanded to call them, 2nd time they just gave me garbled message with all info blacked out clearly meant to be misinformation, I saved screenshots, for example the phrase " Our customer service is available between XXXX, XXXX '' was used, XXXX. I tried to call them and faced long hold, also was not helped and demanded personal data I'm not comfortable sharing with their faceless, nameless reps who can steal my info and identity! Equifax is required to provide free credit report to consumers, they are blatantly violating the rights of Americans, while stealing, illegally collecting and selling our data. I demand Equifax to cease and desist hiding my credit report from me ( they're doing it to force me to pay them and give them even more data on myself they're not entitled to ) and be charged with federal crimes they had committed and prohibited from further operations in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland funding XXXX XXXX They call and send me letters all the time. From an old account from awhile ago. I have told the company several times to stop calling me multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is a bunch of frauds! I have been told by Equifax to submit a FTC report and police report, this is my third time sending. I called and the agent told me my report was in error and to resubmit it, the 3rd time i did and after i called FINALLY, the agent told me that it looks like someone marked off the FTC report numbers! 
So i asked, is it possible the scanner had an error while uploading to their system and he said no! 
So who crossed out the FTC report number if it wasnt me?? 
Equifax better remove these incorrect accounts immediately as i would be forced to seek legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: IL

Complaint narrative:
I disputed XXXX XXXX XXXX  Account XXXX with XXXX and Trans Union 30 days ago. I have not had an account in my name with XXXX XXXX XXXX at any point in time. They are representing XXXX XXXX XXXX and I have never had a XXXX XXXX XXXX account in my name. My ex husband did but he is deceased. This debt was registered in 2021 while I lived in XXXX, Il and I can provide current lease and utility bills as proof. This is now affecting my credit and it is a debt that should never had been attributed to me. I want this removed immediately. XXXX and Trans Union should not be charging you to remove things if they are ethical reporting agencies. If I had paid for their services, which I can not afford to do then this would have been 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 2022-02-12 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Goldman Sachs. XX/XX/XXXX, and XXXX. 2022. Someone tried to take out mortgages in my name. Luckily I put a stop to it. I called them to let them know it was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to Equifax to request my consumer report AND FILE. Equifax did not give me access to my consumer report AND FILE. Pursuant to the Fair Credit Reporting Act, I have the right to know what is in my file. I have the right to request and obtain all the information about me in the files of a consumer reporting agency, which is my file disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
This was a refinance - no equity - lower interest from XXXX to XXXX only- I received call from loan officer XXXX XXXX XXXX XXXXFreedom Mortgage asking me If I wanted to take advantage on refinancing at no cost. XXXX confirmed Freedom Mortgage would absorb the refinancing costs and it would be noted as lender credits in the closing docs Please see enclosed - Closing Docd XXXX bill ( old loan ) Loan Amt {$140000.00} / Escrow Balance {$3600.00} XXXX bill ( new Loan ) Loan Amt {$140000.00} / Escrow Balance {$1000.00} XXXX bill ( new loan ) Loan Amt {$140000.00} / Escrow Balance < $ XXXX Complaint # 1 if it was no cost New loan is {$140000.00} - old loan {$140000.00} - < $ XXXX where was the difference applied. 

They took my previous escrow of {$3600.00} and applied to old loan to lower payoff balance Part of the < $ XXXX is + {$1000.00} noted on XXXX Bill put in new loan escrow as a cushion. I want the adjusted - {$1300.00} applied back to my account or provide where this went? 

Complaint # 2 if you review my closing docs ( under old loan ) they deducted {$4700.00} for State and school tax. If you review my new loan they deducted for state and school tax. The taxes have been taken twice. XXXX escrow bill is negative < $ XXXX. 

I called and they told me it was taken for taxes. I explained it has been taken twice. I want refunded {$4700.00} plus the accrued interest lost during this time effective from closing XX/XX/2021 until they refund the monies to either myself or apply it to my current escrow.

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 2022-02-12 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: FL

Complaint narrative:
I have all these collections and inquiries on my reports and theyre saying theyre verified I have my identity completely stolen I have file with FBI local police and Internet crimes theyre believing these people who say I owe and I dont and why would I intentionally put 75 inquiries on my own credit report?? I dont have any bills they even wipes out my medical records

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 2022-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I called Big Picture Loan around XXXX the XXXX cause my mommy passed suddenly on XXXX the XXXX. She had no life insurance. After my mother died I was trying to pay for funeral and struggling financially. I called Big Picture Loan and tried to work out an affordable payment plan and was denied a payment plan. Was told I wasn't behind on my payments and they couldn't help me until my account defaulted, I at that time revoked ACH authorizations by Big Picture Loan. When my account defaulted they added late fees and interest to the loan. I borrowed {$750.00} on XXXX the XXXX nd of 2021 made XXXX payments of {$100.00}. annual yearly rate 345.09 % finance charge {$2000.00} amount financed {$750.00} after all payments made amount that I would have paid {$2700.00} I am now aware that Big Picture loan could be issuing loans in Georgia illegally and have faced class action lawsuit for high interest rates in other states. Big Picture Loans, an online installment lender, has agreed to pay {$8.00} million to end class action claims. 
https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Honda Financial Services had my vehicle XXXX XXXX XXXX repossessed on XX/XX/XXXX XXXX. I've spoken with one of the managers regarding a payoff quote XXXX XXXX on XX/XX/XXXX. His response was how are you going to pay it? I've sent several letters to XXXX and they are not working with me to sort out my request. I've made them aware of my situation being behind on payments and I was threatened that if I don't pay I will lose my vehicle. Pursuant 15 USC 1692a4 Honda was paid up front. Pursuant 15 USC 1681b ( 2 ) insurance is supposed to be included in my finance charges and I've been paying for insurance they should have provided. I cease and desist all communication and the loan. Pursuant 15 USC 1692 D ( 5 ) communication has been a violation on XXXX 's behalf. Calling me at inconvenient times whilst working is a federal offense. XXXX has hired another company XXXX XXXX to detain my vehicle which is against FEDERAL Law. XXXX is in violation of my rights by having my vehicle taken without my consent with a third party. As of XX/XX/XXXX there's still a positive balance of {$11000.00}. I'm a consumer and natural person with rights and I demand my vehicle be released as soon as possible. This has stopped me from taking my kids to school and getting to and from work. This has taken a toll on me mentally, physically, and emotionally. The contract that I was sent is null and void. Also, as per Truth in Lending Act specially states that I the consumer can cease and desist and also cancel this contract. That disclosure was not provided at sale and my contract was sold to a third party at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: KS

Complaint narrative:
In XXXX of XXXX a credit card with XXXX XXXX XXXX ( XXXX ) was fraudulently opened in my name. I did not discover this until the fall of XXXX when a collection agency contacted me. I immediately filed a police report and hired XXXX ( a credit restoration service through XXXX XXXX ) to assist in getting this card off my credit report. In XXXX of XXXX we started calling XXXX to get this resolved. Now its been 13 months with zero resolution. 
I have sent them everything they have asked for to resolve, including police reports and other documentation. We have made countless calls to XXXX. Its important to note that 3 other credit cards were opened in my name at the same time with 3 other banks. All of those banks released my obligation within a couple weeks of contacting them. XXXX has all the information to prove it was fraudulent but continues to do nothing. This has negatively affected my credit as we are now in the process of purchasing a new home- the higher interest rates will cost us several thousand dollars. This needs resolved! I am convinced XXXX  is not even trying to resolve as they have all the information needed. 
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 2022-02-12 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, a complaint was made to CFPB ( XXXX ) and Regions Bank replied with incorrect information. A moratorium was resolved on XX/XX/XXXX, by XXXX. It was approved and it was indicated that the next payment would be in XX/XX/XXXX. The moratorium was approved for 2 months in XXXX and XX/XX/XXXX. Currently, delays of 30 days are reported for the months of XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. The loan is paid as agreed from XX/XX/XXXX to the present XX/XX/XXXX. In the Credit Agency XXXX, XXXX and XXXX delays are still reported. In the reply from XXXX Regions, it indicates that the moratorium was given for XXXX and XX/XX/XXXX, when the bank has violated its own regulations, since the request for the moratorium was approved on XX/XX/XXXX. It is not possible to give moratoriums retroactively. In addition, they indicate that the account is reported correct from XX/XX/XXXX to XX/XX/XXXX, incorrect information because the error has not yet been corrected in the Credit Agencies.

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 2022-02-12 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: FL

Complaint narrative:
I have all these collections and inquiries on my reports and theyre saying theyre verified I have my identity completely stolen I have file with FBI local police and Internet crimes theyre believing these people who say I owe and I dont and why would I intentionally put 75 inquiries on my own credit report?? I dont have any bills they even wipes out my medical records

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 2022-02-12 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: FL

Complaint narrative:
I have all these collections and inquiries on my reports and theyre saying theyre verified I have my identity completely stolen I have file with FBI local police and Internet crimes theyre believing these people who say I owe and I dont and why would I intentionally put 75 inquiries on my own credit report?? I dont have any bills they even wipes out my medical records

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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:
I am aware Equifax is using an elaborate mechanism to investigate and verify Tradelines on my consumer report. Which is in fact a violation of my consumer rights. Pursuit 15 USC 1681 ( e ) investigative consumer report clearly states the terms to establish proper investigation.

Company response to consumer: Closed with explanation