vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: CA

Complaint narrative:
In XX/XX/2020, I disputed some inaccurate late payments with FedLoan through XXXX, XXXX and XXXX. The discrepancies were corrected. After the disputes were handled, these accounts are being reported to the credit bureaus with " dispute remarks ''. I have contacted FedLoan directly and asked them to remove the remarks since the dispute has been resolved. FedLoan responded that there were no accounts under dispute. The next reporting period, they were still there. I then contacted the XXXX credit bureaus. XXXX removed immediately and they have never showed back up. XXXX and XXXX removed immediately but the remarks returned shortly after during the next reporting period. I then contacted XXXX and XXXX again the following month, with same results. I need to have these remarks PERMANENTLY removed in order to purchase our first home. This is the only obstacle standing in the way please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am a victim of identity theft and there are items on my account that do not belong to 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 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
the XXXX XXXX XXXX is not looking into investigating I need to know where the information is coming I need to see proof. which they are not providing I will like to get it remove off my report

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 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX. Now TransUnion XXXX bought the debt. 

XX/XX/2018 I moved out of my house that the billing is for electric. I called and told them to turn off the power and I lived 2 hours away. They said they were shutting it off. 

Next I get a bill for {$1000.00} something for something that wasnt supposed to even be on. 

I called and let them know when I got the bill that it wasnt suppose to be on bc XXXX  was told it was being turned off. This bill shouldnt be hitting me on my collections for an error on their part. I even had XXXX XXXX in a different address at that time!

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 2021-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I wish to complain about the charges brought up by XXXX XXXX XXXX ( ambulance transport service, Creditor Account Number xx-xxxxxx ) which happened 9 years ago. And on XX/XX/XXXX, I received a letter in the mail dated XX/XX/XXXX, from which WAKEFIELD & ASSOCIATES, is asking me to pay {$3000.00} in behalf of XXXX XXXX XXXX that had accrued interest of 7.00 % from the service date XX/XX/XXXX. 
When I read that letter, I contacted one of your representatives ( XXXX XXXX XXXX XXXX REPRESENTATIVE ) and he gave his name as XXXX XXXX no last name ). As I spoke to him on the phone, I informed him ( XXXX ) that the amount they XXXX XXXX XXXX XXXXXXXX ) gave me thru WAKEFIELD & ASSOCIATES are unfair. XXXX and XXXX are my insurance providers and based on the reviews I read about XXXX XXXX  XXXX, most patients ' complaints are about billing ( not billing the insurance providers ). 
I am permanently XXXX due to the hemorrhagic XXXX I acquired in the year XXXX. And I'm fully aware that before I was released by the hospital, which I was confined and rehabbed for almost 7 months, that the hospital and other services provided were cleared by XXXX and XXXX that year XXXX. So, me and my spouse know that we are clear of any financial obligations regarding my hospitalization. 
Finally, as XXXX ( WAKEFIELD & ASSOCIATES REPRESENTATIVE ) suggested, write them a letter with the reference number XXXX. I am a permanently XXXX person, my medical doctor advised me not to work because I can not handle any physical or mental stress and as of this date I'm just relying on my family 's support. And the letter that I received from WAKEFIELD & ASSOCIATES puts a lot on me, both XXXX XXXX XXXX XXXXPlease HELP ME and kindly intervene in my behalf, so this people/ collection company that represent the interst of their client company will stop any future harrasments of some sort bec. my mind and body can not tolerate such XXXX XXXX XXXX XXXX XXXXXXXXthank you.F.G

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
FOLLOW-UP TO COMPLAINTS ID # XXXX & XXXX XX/XX/XXXX Re : Rocket Mortgage,XXXX XXXX XXXX, XXXX, Michigan XXXX ( XXXX ) XXXX rocketmortgage.com XXXX Loan # XXXX XXXX ) After I sent complaints to CFPB that Rocket took advantage of senior citizens forcing them to continue to pay their mortgage at pre-pandemic high interest rate, Rocket gave me the 3rd refinance package, which lowers the interest rate, but increase the loan fees, and increase cash closing from borrower. So it's pay now and save later. 

2 ) They wanted to get 2 tax returns for XXXX & XXXX from me, which I faxed immediately, but refused to remove it from Completed Task. Why?

3 ) They also wanted me to pay Flood Insurance, get a Declaration Page, and have the Flood Insurance agent call them. 
I protested, saying that I already paid flood insurance via escrow within the same mortgage company. Why do I have to pay again, when I am not even sure that I will get the refinance loan? 
I had to fax them from my current loan statement the Annual Escrow Account Disclosure Statement which shows that I already paid Flood Insurance via escrow. 

This is very shady and deceitful practice for uninformed borrowers. 
You just pay and pay as they say. 

Yes, I will save {$150.00} a month, but the life of the loan will be lengthened by 2 more years of payment. On top of that, I have to pay {$6000.00} for loan fees because the principal increased from 142K to 148K. Additionally, the closing cash went from {$630.00} TO borrower, to {$800.00} FROM borrower, to {$1000.00} FROM borrower. 

Talking about loan sharks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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:
On XXXX I mailed a dispute letter disputing inaccurate accounts that have been involved in identity theft that are still showing on my credit report. I never received a response and has been well over 60 days. Therefore, I submitted a complaint on XXXX with all of the documents I mailed on XXXX and EQUIFAX replied saying they needed legible identification to proceed. This is a stall tactic for them to not follow federal law because I submitted legible identification which was my DRIVERS LICENSE, SOCIAL SECURITY CARD, and a utility bill that has my current address. I am submitting the complaint again because they are infringing on my consumer rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Reserved and paid hotel travel with thank you rewards trip ID XXXX member ID XXXX. Reservation was subsequently shortened one night, documents confirming this requested by and provided to citibank, case file # XXXX. Many subsequent contacts initiated by me with refund of {$140.00} promised each time- never received.

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 2021-12-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: NY

Complaint narrative:
It took me months to go back and fourth, I have hard credit inquire on my all three reporting agencies between XXXX some are dated XXXX and XXXX of the month auto loan. I never gave permission to second nor third parties to use nor abuse my credit. As you see many used it months, or days without my knowledge. I now have alert on my report once again. I did reach out to these company which was stated not seeing anything on their end with my name, as my information is not in their system I'm asking for them to be removed and updated. Thank you

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 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I completed a re-fi on my mortgage with Wells Fargo and XXXX XXXX on XX/XX/XXXX. 

The closing completed on XX/XX/XXXX at which time my new loan was set up by Wells Fargo. 

I took some money out and had my equity line of credit rolled in. 

After several escalations to XXXX, my e-check was delivered via email on XX/XX/XXXX. ( They kept on telling me to check spam/junk and trash ), but the check was never issued until I contacted them multiple times. 

Meanwhile, as of XX/XX/XXXX, my equity line of credit has not been paid out. I have contacted both XXXX ( long wait times and I leave a voicemail ), and Wells Fargo ( customer service reps do not know how to resolve, and the loan agent has simply acknowledged " I appreciate your frustration '' but after multiple follow ups, this hasn't yet been resolved yet, although she says she is " working with the title company '' ). If this truly priority, it would have been resolved by now. Meanwhile, I am being charged interest on my new loan, and the equity line of credit. Points of contact at Wells Fargo : 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 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: AL

Complaint narrative:
I am a XXXX XXXXr, I do XXXX as a side, XXXX as usual every year request a background check. Their servicer is the Checkr company. This company is in fault of my wages been lost, more than $ 2500+, they took more than 30+ days to do my background check. When I asked about the long time and what was going on, they told me that the check was in the county process and that was the reason they were taking that time. Now, after I notified them that I will file with FCRA, CFPB, they write me back saying that there are unable to proceed with my background check because of a miss of information. Thats completely wrong and the support agent XXXX is lying. I asked about the proof of that email they sent, Im still waiting for that email XXXX XXXX, told me. 

Adding here : They have access to my information directly with XXXX company, XXXX have my full name as how its supposed to be on my driver license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: Exeter Finance, LLC.
State: CO

Complaint narrative:
XXXX is reporting fraudulent Credit inquiries on my credit. 

I am writing to request the removal of fraudulent credit inquiries on my transunion report. My latest credit report shows six inquiries that I did not authorize. I am writing to dispute the inquiries and ask for their removal from my credit report immediately. Please have these fraudulent inquiries removed from my report within 30 days as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX is reporting fraudulent Credit inquiries on my credit. 

I am writing to request the removal of fraudulent credit inquiries on my transunion report. My latest credit report shows six inquiries that I did not authorize. I am writing to dispute the inquiries and ask for their removal from my credit report immediately. Please have these fraudulent inquiries removed from my report within 30 days as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: IL

Complaint narrative:
I've been trying to contact equifax for over a year now to correct my credit information. I had a legal name change in XX/XX/2020 and I contacted them when they were causing issues with incorrect information beginning XX/XX/2020. They required I send in documents which I sent my ID, social security card, proof of address, and legal name change court document. I sent 3 copies of these documents 2 times and they claimed they never recieved them in the mail. I called and they claimed I could fax the information so I faxed it 4 times and they claimed they only recieved one copy. Finally they said I had to verify my account information and they unlocked my account which they never told me was locked, I was just unable to login. I finally am able to access my account and they aren't reporting my accurate legal name nor my credit accounts correctly. I've called over 20 times and most of the time I get a very rude customer support representative, who doesn't speak XXXX well, and will start using my old incorrect name when they learn I've had a legal name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: VA

Complaint narrative:
Equifax, XXXX, and XXXX have neither reviewed nor investigated the information in the past disputes. I have disputed the bankruptcy on my file several times with supporting documents from XXXX and The US Bankruptcy court. I have sent each agency certified copies of these documents- ( XXXX ) I have also attached the supporting documents to this complaint. The misinformation on my credit file is hindering my financial growth and causing me great humiliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I received a bill from my Mortgage lender that my Escrow account had a shortage for over {$1400.00} plus an extra monthly payment that will begin on XX/XX/XXXX. 
I reached out to the bank right away and was told that the increased was because of the taxes and insurance and I said to the representative that the taxes from last year to this year had an increased of {$110.00} and the insurance increased was {$55.00} how did that equate to over {$1400.00} plus an increased in monthly payments and I was told that those are the payments. 
One of the reason why I chose to pay a " Bundle '' meaning Mortgage, Taxes and Insurance per month together was because I didn't want to get burdened with a sudden hefty lump sum of Taxes and Insurance payments, now I have great concerns that I am paying out double payments and eventually will have difficulties making the payments moving forward.

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 2021-12-06 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. XXXX XXXX XXXX XXXX  ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of XXXX and XXXX  and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Account Name : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2021 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2020, I disputed some inaccurate late payments with XXXX through XXXX, Transunion and XXXX. The discrepancies were corrected. After the disputes were handled, these accounts are being reported to the credit bureaus with " dispute remarks ''. I have contacted XXXX directly and asked them to remove the remarks since the dispute has been resolved. XXXX responded that there were no accounts under dispute. The next reporting period, they were still there. I then contacted the three credit bureaus. XXXX removed immediately and they have never showed back up. Transunion and XXXX removed immediately but the remarks returned shortly after during the next reporting period. I then contacted Transunion and XXXX again the following month, with same results. I need to have these remarks PERMANENTLY removed in order to purchase our first home. This is the only obstacle standing in the way please 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 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2020, I disputed some inaccurate late payments with XXXX through XXXX, XXXX and Equifax. The discrepancies were corrected. After the disputes were handled, these accounts are being reported to the credit bureaus with " dispute remarks ''. I have contacted XXXX directly and asked them to remove the remarks since the dispute has been resolved. XXXX responded that there were no accounts under dispute. The next reporting period, they were still there. I then contacted the three credit bureaus. XXXX removed immediately and they have never showed back up. XXXX and Equifax removed immediately but the remarks returned shortly after during the next reporting period. I then contacted XXXX and Equifax again the following month, with same results. I need to have these remarks PERMANENTLY removed in order to purchase our first home. This is the only obstacle standing in the way please help!

Company response to consumer: Closed with explanation