vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Trans Union llc- Freezes my credit and l did not request any freezes, of credit, when call to unfreeze my credit, they ask generated question not on my credit report.. XXXX XXXX XXXX. I could not apply for home mortgage According to XXXX XXXX know one can view my credit report ... Because is frozen. I need your help to stop embracing and harrasing 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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

XXXX XXXX XXXX XXXX - signed to get approved in order to obtain a XXXX Membership. 
Never activated the XXXX XXXX XXXX XXXX - XXXX charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through Online XXXX XXXX Chat since I am hearing impaired. The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to XXXX XXXX XXXX inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking my score dropping? I was assured on XX/XX/XXXX that the issue from XXXX XXXX XXXX would be reported to the credit companies [ XXXX TransUnion, and XXXX XXXX. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of XXXX due to my new job. Can you please help me resolve this?

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

XXXX XXXX XXXX XXXX - signed to get approved in order to obtain a XXXX Membership. 
Never activated the XXXX XXXX XXXX XXXX - XXXX charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through XXXX XXXX XXXX XXXXXXXX since I am XXXX XXXX   The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to XXXX XXXX XXXX inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking my score dropping? I was assured on XX/XX/XXXX that the issue from XXXX XXXX XXXX would be reported to the credit companies [ XXXX, XXXX, and Equifax XXXX. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of XXXX due to my new job. Can you please help me resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

XXXX XXXX XXXX XXXX  - signed to get approved in order to obtain a XXXX Membership. 
Never activated the XXXX XXXX XXXX XXXX  - XXXX charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through XXXX XXXX XXXX XXXXXXXX since I am XXXX XXXX   The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to XXXX XXXX XXXX inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking my score dropping? I was assured on XX/XX/XXXX that the issue from XXXX XXXX XXXX would be reported to the credit companies [ Experian, XXXX, and XXXX XXXX. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of XXXX due to my new job. Can you please help me resolve this?

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 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
16 credit cards were closed by synchrony Bank on XXXX XXXX because a representative told me it was due to the fact that I was a High risk. But to wait for the formal letter which I was to receive in 7-10 business days. I have credit cards with {$5000.00} to {$20000.00} dollars available credit. I have never ever defaulted or paid late. I work for the federal government here in XXXX XXXX by the way. I only owe on two credit cards and it's only {$50.00} dollars. Synchrony Bank closed16 credit cards I had with them. I am suspecting that since I had close to XXXX in available credit they closed it fearing I might get in debt due to Coronavirus situation. The company itself can't furnish reasonable reply as to why my credit cards were closed. Company : Synchrony Bank XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this due to non-compliance with the CRA ( Transunion ). They have failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), which includes, but not limited to the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when they initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. The company came back and said that the accounts are accurate but have not produced any documents. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My file # is XXXX Note : This is my second complaint.

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 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage Corporation ( PHH ) of Florida currently services my existing 30 year fixed rate home loan. On XX/XX/2020 I called PHH Mortgage in response to an email offer to refinance my house. The PHH representative offered me a fixed rate of 2.75 % on a 15 year loan to refinance my existing home loan with PHH. I declined the offer, explaining that I had a better offer from a different lender. Today, I received a loan refinance package from PHH fora fixed rate of 6 % on a 15 year loan. 

I called PHH earlier today and asked to speak with a supervisor regarding this issue. The lady I spoke with said the supervisor on duty was busy and that she would have the gentleman call me. I have not yet received a call back. 

This seems like predatory lending practices and am reporting this for the following reasons : 1 ) The refinance package I received today is 6 % for a 15 year refinance, which is more than twice the rate I was offered on XX/XX/2020. This rate is also significantly higher than rates for similar products, especially given my excellent credit score of over 800. I am attaching a copy of the Loan Estimate and a copy of my credit score as provided in the PHH refinance package.

2 ) I received a refinance package today, even though I verbally declined the offer on XX/XX/2020. 

3 ) The lady I spoke with from PHH on XX/XX/2020 said she just had a couple of questions to get me a rate. She proceeded to walk me through the entire application process, explaining the whole time that it was just another couple of questions. I felt like I was being fed the elephant 1 bite at a time, but kept going on the assurance that we were almost done.

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 2020-04-16 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are addresses that need to be permanently removed from my report because they are incorrect. XXXX XXXX XXXX XXXX XXXX XXXX, Washington DC XXXX is INCORRECT and clearly was an error with the " XXXX '' dropped from " XXXX ''. Please REMOVE. XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX must be removed, this has been mixed up with the post office address and my P.O. Box number ( an incorrect combination ). 

My information was stolen from XXXX, XXXX, and XXXX. I dispute any and all credit debt associated with incorrect addresses. 

Please remove all phone numbers as my preferred method of communication is by email and most of these numbers are obsolete.

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 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I found out around XXXX time that strangers were ringing my doorbell asking for me. One appeared at my garage while I was inside and wanted to see my identification. I did not show it to them. My husband asked who they were and they did not reveal any information. We received knocks on our front door late evenings and early mornings on Sunday and XXXX XXXX. They would ring the doorbell and knock and ring the door bell. They would wait outside of our house in their car. I was afraid to leave the house and my kids felt disturbed about all of the times they attempted to knock and ring the doorbell over and over. They were different people over multiple times of day. Recently, I was sent a solicitation in XXXX by a debt lawyer to help resolve a collection case that XXXX XXXX has against me that I was unaware. The lawyer even provided the case number from XXXX XXXX County Superior Court against me which I verified. I never received any type of court paperwork notifying me of this legal action from anyone. I believe what XXXX  is doing is unlawful. I need some help in determining what they have done was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I never received notification this company was trying to collect a debt from me. 

I did however, make a {$100.00} payment on XX/XX/XXXX. However, the company apparently only reflects receiving {$50.00} The representative I spoke to on XX/XX/XXXX, named XXXX, is not only hostile and unprofessional, she refuses to give a copy of my payment history, refuses to send any kind of confirmation I made a payment nor will she assist in determining why the full payment on XX/XX/XXXX wasn't posted. 

I further asked XXXX to validate the debt or supply me with evidence of my payment, to which she replied, " don't tell me how to do my job ''. 

Aside from the unnecessary hostility, why can't " XXXX '' confirm anything about the account or help with resolving the missing payment? Why can't she send me a copy of my payment history or anything about my account? 

I made a good faith effort to contact these people and try to resolve the matter and work with them, but they are hateful and apparently, inept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I I originally wanted deferred payments due to coroanaviris. I thought about it and it would ruin my credit. I called quickenloan to remove it and made a effort and paid my mortgage. I tried to refinance for a lower rates and they told me Quicken loan had me on deferred payments.I told them to remove that from my credit. They said they would. They did not Twiice they did this to me. 
Quicken loans has ruined my credit during this uncertain times and scary times. I have always paid my mortgage each month and been withQuicken loan for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
The Bank Workers are not trust worthy. U.S. Bank inside XXXX XXXX in XXXX. And Also U.S. Bank on XXXX XXXX & XXXX XXXX. I am sorry for Banking with U.S.BANK AFTER ALL. CROOKED WORKERS ARE REALLY DECEITFUL WITH MY CHECKING ACCOUNT. information PROVIDED THROUGH MY MONTHLY STATEMENT ILLICIT AND CONSTERNATED BADLY. BY WAY OF REINSERTED INFORMATION HAS BEEN DONE PREVIOUSLY BEFORE. WHEN I WALK UP TO ( ATM ) MACHINE TO CHECK MY ACCOUNT BALANCE. THE WORKERS ADDED UP TO {$7.00} DOLLARS CHARGED. THIS IS RIDICULOUS, CROOKED TYPE OF INDIVIDUALS WORKING ON MY BANK ACCOUNT. I'V NEVER SEEING ANYTHING LIKE SO BEFORE. REALLY CROOKED DECEITFUL U.S. BANK WORKERS. I WONDER WHERE THEY COME FROM, AND WHAT COLLEGE THEY GRADUATED FROM. IT DEEMED EVIL, EVILDOERS TYPE OF WORKERS IN U.S.BANK. I COMPLAINTS SEVERAL TIMES BEWFORE ABOUT U.S.BANK WORKERS DECEITFUL ACTIVITY TO MY BANK ACCOUNT. I WONDER IF THEY ARE NEW IN OUR COUNTRY. ACCORDING TO THEIR DESPERATE TO FNAGLE ME AND MY BANK ACCOUNT ILLICITLY. IS A LAW VIOLATION. FURTHERMORE ; MY PENSION DEPOSIT GOES IN THE XXXX  OF EACH MONTH. UNLES OTHERWISE THE XXXX   FALLS IN SATURDAY, SUNDAY, OR HOLIDAY WILL BE IN BEFORE THE XXXX  THEN. THE WORKERS MIGHT TRY TO TAKE ADVANTAGE OF ME BECAUSE I AM OLDER MAN. AND MY SWEETHEART WIFE XXXX XXXX XXXX PASSED AWAY XX/XX/2019. THIS HURTS ME BIG TIME, ADDING TO MY PAINS U.S.BANK WORKERS TRYING TO FINANCIAL FINAGLE ME AND MY BANK ACCOUNT IS A LAW VIOLATION PERIOD. IN ADDITION ; MY XXXX  XXXX 4  YEARS COLLEGE  XXXX. ALSO WORKING AS A XXXX XXXX  AT HER JOB. BUT I DO NOT WANT TO BOTHER MY CHILDREN UNLESS SOMETHING SERIOUS THAT I NEED THEIR HELP WITH OF COURSE. I AM TRYING TO DO EVERYTHING ON MY OWN. TO KEEP ME GOING OTHEWRWISE. SURE APPRECIATE ANY STRICT SCRUTINY INVESTIGATION TO MY CHECKING ACCOUNT ARIGHT. THANK YOU, GOD BLESS.

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 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a complaint against XXXX XXXX XXXX. The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers  should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I have an auto loan with Bridgecrest. I have set up an account to manage my loan. However, their website does not show the loan balance, how/when my payments are applied so that I can readily see this information. It only shows a balance. Shouldn't I be able to se the start of my loan, when payments are applied and the current balance all at the same time? When I emailed them about this, I was required to all about this and I was advised that the only thing they could do was provide me with a loan payoff balance. This doesn't do me any good. What if I make extra payments and what this applied to the principal only ... ..how do I verify this? Why do I have to call them everytime I want this information and be told it will take 24-48 hours to get this information sent to me. 
Doesn't this violate some Truth-in-Lending statute?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV Funding is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I checked my credit report from XXXX   and Equifax. My credit score dropped 70 Points on XXXX   and 75 on Equifax. They said thats its because my XXXX XXXX card had increased by {$46.00}. I have never changed anything on the card for XXXX XXXX..I dont understand how my credit scores could drop that much and I dont have any delinquent or late payments accounts. I have attached some documentation that shows how many times my score has changed. Such a decrease in my score prevents me from obtaining a good rate.

Company response to consumer: Closed with explanation