vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MD

Complaint narrative:
Received notice from XXXX XXXX XXXX on XX/XX/21 stating they are representing crown asset management llc in regards to a debt collection. On XXXX XX/XX/21 I received an email from crown asset management company stating a debt was due. I emailed the company on XX/XX/21 requesting that the company validate the debt. No response has ever been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
not mine : FCRA violations : XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$75.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX  % Balance on XX/XX/XXXX Original balance {$75.00} {$75.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score XXXX. 
Payment Info Original balance {$75.00} Balance {$75.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX, WIXXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : XXXX  % Balance on XX/XX/XXXX Original balance {$1300.00} {$990.00} Payment Info Original balance {$990.00} Balance {$1300.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Wrong names and address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NY

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX  is reporting ths account as open and with a balance ... i was removed as an authorized user years ago,,, ,this should report paid and balance of {$0.00} ... i have tried multiple times to have them corrected and it comes back verified everytime ... they are not conducting proper investigations ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XX/XX/2021 RE : Bank of America Home Loan Account Number XXXX Request : Extension of Mortgage Forbearance After XX/XX/2021 TO : Bank of America Home Loans XXXX CFPB Office of the Special Inspector General For Pandemic Recovery All, I have requested an extension on my mortgage forbearance expiring XX/XX/2021 three times now and have been refused. XX/XX/2021 will end an initial 6 month forbearance. I have an FHA loan. I have continued need for an additional 6 months forbearance due to ongoing financial challenges resulting from the Covid-19 Pandemic. Per Bank of America published criteria on asking for forbearance, a mortgage customer may ask for additional forbearance within 3 months of the expiration of the initial due date. My request for forbearance has been repeatedly denied. 
Also, I have NO PENDING LITIGATION around my Bank of America home loan mortgage. I do not have an attorney representing me for any litigation involving my mortgage or forbearance. This is the reason when XXXX ( Bank of Americas legal representation ) responds to my many CFPB complaints, there are not any other entities included in their response. I have explained this numerous times to BofA customer support who refuses to speak with me due to a flag on my account stating I have pending litigation. I have also sent BofA numerous faxes and letters stating the same.

My mortgage was included in my Chapter XXXX bankruptcy stay, however, the bky was discharged and BofA asked for a Relief of Automatic Stay, so BofA is well aware I no longer have any legal representation around my Chapter XXXX claim. 
As a 4th request : Bank of America, please extend my mortgage forbearance for an added 6 months as I am allowed by the CARES ACT. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-07-07 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I noticed a charge on my Citi card I did not make. I notified Citi and they opened a dispute. I have attached a PDF of the statement. At the top you'll note they gave me credit for the dispute. The charge shows on XXXX  XXXX to a XXXXXXXX XXXX store for {$550.00}, On XX/XX/XXXX they denied my claim. I have attached a PDF of their response. 

I carefully researched this, and responded to Citi on XX/XX/XXXX and XXXX to XXXX. My response referenced the XXXX XXXX response ( attached ).

Let 's look first at the response, page 2, on attached PDF " XXXX '' First of all, XXXX said " Customer claims credit not processed ''. No. I said I did not make the purchase. Not sure if this is Citi or XXXX at fault here. 

Now, blow up the receipt they attached. At the top, notice " Customer Name : XXXX '', My name, as shown on the statement, is XXXX XXXX XXXX This was a delivery of an appliance ( notice the white goods fee on the bill ) to someone named Mr. XXXX in XXXX County NC. BTW, I live in XXXX County NC, with a lake house in XXXX County, NC. Notice that near the bottom of the receipt is the notation " CUSTOMER : MR. XXXX '' Also note that this was an in-person purchase as evidenced by the scribble signature. 

I pointed all this out to Citi. I even included a screen print of my XXXX timeline showing that I never left my lake home XX/XX/XXXX - XXXX. The transaction at XXXX was made XX/XX/XXXX. I could not have signed that scribble. I'm including the screen shot of my timeline, You can read for yourself the notes from XXXX. on the next page of the XXXX response. They can't find the loading ticket, but she clearly states it was delivered and she even has some photos but can't figure out how to attach them. XXXX clearly thinks this is about a returned item. Nope. It's about somebody else using my account number. 

Moving through the XXXX response, they recite their return policy. This is not about about a return. It's about somebody else using my account number. 

I disclosed every bit of this advice to Citi. On XX/XX/XXXX, they denied the claim, again, stating that I had not provided valid proof of cancellation. 

They completely ignored all the facts I pointed out. This is frustrating. Oh, I even told Citi to tell XXXX to pull their video from the camera aimed at the register at the time of sale, get Mr. XXXX 's name and address, and prosecute him for credit card fraud. Nope. Just denied me, I think the attached Citi statement gives you account number and my name. If you need to contact me you can use XXXX at gmail. The dispute case with Citi is 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 monetary relief
Consumer complaint received 2021-07-07 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: TX

Complaint narrative:
I have been waiting for the investigation results from Equifax, XXXX and XXXX  regarding this account : XXXX XXXX Account # XXXX but it has been more than 45 days and I still haven't received any response regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: FL

Complaint narrative:
Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: PA

Complaint narrative:
I placed a call into US bank requesting that late fees be waived as I was going to make a payment on the card. The first rep I talked to said that their system is allowing for one fee to be waived, I asked to speak to a supervisor cause I had wanted to get both fees waived. The rep did advise that the {$29.00} fee was the one that could be waived but I asked why not the {$40.00} fee if I am allowed one, she said its cause it was the way it was. I was transferred to a supervisor rep XXXX ID XXXX call reference XXXX, who also advised that their system only allowed 1 to be reversed, I again asked why the {$40.00} fee wasn't the one that got reversed instead of the {$30.00}. She wasn't sure why the previous rep did the {$29.00} instead of the {$40.00} but that there was nothing else that she can do. I feel that the bank had cheated me out of a higher fee to be waived if I was eligible for 1 fee per 12 month period. The rep I had initially talked to did the process so quick that I wasn't properly informed or given a chance to select the fee to be waived.

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 monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX. Throughout the entirety of the loan i made all payments on time. The last payment to be sent in to XXXX XXXX Bank would have been from the dealership. Since I traded it in to XXXX XXXX of XXXX. I have asked the bank repeatedly to fix the one late payment and they have refused. They also show the account as closed and not payed as agreed. I am being held responsible for the mistake of the Dealership. And the loan showing as a closed vs a Paid as Agreed account is really affecting my credit score. 
I have also recently contacted the bank directly and was asked to dispute this again but the credit bureau said that it has been disputed twice already.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX. Throughout the entirety of the loan i made all payments on time. The last payment to be sent in to XXXX XXXX Bank would have been from the dealership. Since I traded it in to XXXX XXXX of XXXX. I have asked the bank repeatedly to fix the one late payment and they have refused. They also show the account as closed and not payed as agreed. I am being held responsible for the mistake of the Dealership. And the loan showing as a closed vs a Paid as Agreed account is really affecting my XXXX XXXX. 
I have also recently contacted the bank directly and was asked to dispute this again but the credit bureau said that it has been disputed twice already.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I contacted XXXX via Certified Mail in attempt to retrieve my XXXX  Credit Report for my own review and verification in XXXX of XXXX. I tried using XXXX  but was unable to get my credit report there due to " unverified information '' based on the answers that I have choose for the several of the questions asked. 

Again, as of XX/XX/XXXX, I have tried getting an update on my XXXX credit report to make sure that all of my private and personal information is correct and protected, but however, my request was denied via XXXX because of the answers that I selected based on my correct information, when questions were prompted on the screen. I also called XXXX  and have spoken to XXXX ID : XXXX, XXXX ID : XXXX, and XXXX ID : XXXX, in which XXXX from the " Dispute Department '' constantly ended the call in mid conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I contacted XXXX via Certified Mail in attempt to retrieve my XXXX Credit Report for my own review and verification in XXXX of XXXX. I tried using www.annualcreditreport.com but was unable to get my credit report there due to " unverified information '' based on the answers that I have choose for the several of the questions asked. 

Again, as of XX/XX/XXXX, I have tried getting an update on my XXXX credit report to make sure that all of my private and personal information is correct and protected, but however, my request was denied via www.annualcreditreport.com because of the answers that I selected based on my correct information, when questions were prompted on the screen. I also called XXXX  and have spoken to XXXX ID : XXXX, XXXX ID : XXXX, and XXXX ID : XXXX, in which XXXX from the " Dispute Department '' constantly ended the call in mid conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
My wife and I applied for an FHA mortgage on Rocket Mortgages website and when it was submitted, I was directed to chat or call a representative. After speaking with a member if their company, I was told we didnt qualify for an FHA mortgage loan because my FICO was XXXX. The credit letter i received from Quicken Loan, their parent company showed me with a FICO of XXXX and my spouse was a XXXX. Those FICO scores would qualify us for an FHA mortgage. I confirmed these scores with another lender. I got a ding on my credit report, no mortgage and the company did nothing to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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 — Problem with personal statement of dispute
Company: Conn's, Inc.
State: MS

Complaint narrative:
the agency must notify the consumer of the debts delinquent status through a demand letter or dunning notice. Please Send documentation of charges or written proof of purchase, Violation Charge APR fees monthly after statement date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
My Name is XXXX XXXX I was diagnosed with positive XXXX XXXX And just one time I was late for my Payment to XXXX  credit card Now bcz of that it effect my credit score and now I can not lower my mortgage payment and can't refinace It's national pandemic they can remove late reporting to my credit reporting so I will be able go normal and lower my monthly payments to be able to survive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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 — Problem with personal statement of dispute
Company: RFNA, LP
State: MS

Complaint narrative:
the agency must notify the consumer of the debts delinquent status through a demand letter or dunning notice. Please Send documentation of charges or written proof of purchase, XXXX XXXX XXXX fees monthly after statement date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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 — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
NAtionstar are deceptive in practices that resulted in financial harm, alleged compliance violations with abusive mortgage servicing practices, violated the law by increasing permanently modified monthly loan payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: ERC
State: CA

Complaint narrative:
I sent a letter to XXXX asking for validation on XX/XX/2020 and XX/XX/2020 and never received a response. XXXX has since removed this account from my XXXX  report. 
I sent a letter to ERC regarding validating this XXXX account on XX/XX/2020 and XX/XX/2020. I did not receive a timely response. A response was received after I mailed the XX/XX/2020 letter. ERC submitted documentation claiming to validate the account. All I received were billing statements not addressed in my full legal name. 

I sent a request to XXXX and XXXX on XX/XX/2020 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
Good time of the day! 

I got an alert that my debt went into collections. 
I do not recognize the original creditor, I never received any bills. 
My credit score immediately dropped 86 points due to collection. 

The original creditor is XXXXXXXX XXXX XXXX XXXX  The collection agency is M LEONARD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX This seems like an identity fraud to me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation