vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Hello- Pulled my credit report and noticed a closed collection with XXXX balance from XXXX. I am not aware of this debit and have never been contacted by the creditor. I am asking for this derogatory report to be removed from my report as I don't believe it belongs to me. 


Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Northern Trust Company, The
State: FL

Complaint narrative:
Requested a wire transfer to a client in XXXX on XX/XX/2020 in the amount of XXXX USD. The funds were debited from my account, but not received by the client to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Good Morning everyone! Listen, I was going back and forth with a MEDICAL collection account for XXXX XXXX that was supposed to be handled by them and noticed that it was placed on my credit report. I called PETER ROBERTS & ASSO and they said that if I pay it they will remove it from my credit in a couple of weeks on their next reporting cycle. I paid it under pressure because I'm in the process of buying a house I honestly don't want to deal with my insurance company and i can appreciate if you guys can expedite and delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA

Complaint narrative:
After pulling my credit I noticed a collection account listed. I have never received any communication from The Law Offices Of Mitchell D. Bluhm & Associates to validate debt. 

I then sent over a validation letter to have them provide physical documentation to validate this debt & make sure they are allowed to collect this debt. I have received no response & contacted the original creditor to request a copy of my HIPPA release form. I have never signed off on a HIPPA release to have a 3rd party debt collector to have access my medical information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 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: IL

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. US DOE XXXX XXXX {$25000.00} XXXX XXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX {$960.00}

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 2020-08-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. US DOE XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$4000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX {$960.00}

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 2020-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CapitalOne continues to double and triple report delinquency on the same account many times a week which appears as separate reporting on all 3 credit bureaus. My score continues to drop because of this. I have gotten notifications for months about an account being reported as closed due to NEW bankruptcy when in reality the account was opened after my bankruptcy and remains open to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
I was forced to leave XXXX XXXX XXXX due to unsafe and healthy conditions and notified them of such. when I moved out I owed nothing and they owed me a credit plus my security deposit. I filed a complaint in court to receive my security deposit back and received it. They then Hired a collection agency who then posted a false collections report on my credit record. I filed a dispute with the collection agency Hunter Warfield and receive no response, and I filed a dispute with XXXX. 
This is in XXXX county XXXX, Maryland. I moved out XX/XX/2019.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
My mortgage has been serviced by Home Point Financial since I originally bought the house about 8 years ago. I have ALWAYS paid my mortgage on time and have always paid more than the monthly amount due in order to pay down the principal and pay it off more quickly. This was never an issue until 3 months ago and now every month instead of Home Point Mortgage putting the additional amount I pay towards my principal they are instead paying it towards future escrow and interest payments which is paying themselves instead of putting in towards my principal. This is infuriating. I called them twice and had them reverse and now this last time they were supposed to and they did not reverse. So they are stealing my money and I'm talking over {$3000.00} for last month. The total amount left on the mortgage should by about $ XXXX but it's still $ XXXX since they aren't handling my payments correctly. It seems that since they see that I'm paying this off quickly that they are trying to keep me from doing so by applying my payments to where they want to continue making $ $ off of me. BTW, there is NO Pre-payment penalty to this mortgage. Home Point Financial should be investigated and fined and I should have my mortgage payments fixed by them for this absolute illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : Bankruptcy Ref. No. XXXX Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. 

To whom this may concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. 
In XX/XX/2020 and months preceding from XX/XX/2020 onward I received a response from Experian stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. 

I have sent several letters to Experian, which have been repeatedly denied for removal this public information from my credit file. I have contacted both the U.S. Bankruptcy Court of Texas and the PACER system and they have both confirmed that they do not and will not verify such personal information. Per FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 

Please be advised that a copy of this letter has also been sent out certified mail and to the U.S. Bankruptcy Court of ( Texas ). 

Regards, 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 2020-08-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have never been late once, and I have carried a XXXX balance this year because of Covid19. The  company sent me a letter to tell me they closed my account without giving me a chance to make a purchase to keep my card open. 
Citi sighted incorrect reasons for this decision. My FICO score is XXXX and I have not had a late payment on ANYTHING on my credit report for over 7 years. 

My credit revolving balance is 20 % on my other cards. This was unfair and arbitrary abuse of Citi Cards. My longest credit account is 30 years. 

During unprecedented times this was a way they are protecting Citi and not following fair practice under the law.

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 2020-08-17 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$560.00} XXXX XXXX {$3600.00} XXXX XXXX {$810.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$810.00}

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 2020-08-17 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$560.00} XXXX XXXX {$3600.00} XXXX XXXX {$810.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$810.00}

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 2020-08-17 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: NE

Complaint narrative:
I had 2 collections accounts from XXXX XXXX XXXX. I arranged to pay off both collections and they were to submit to the credit bureau the collections were paid and to remove them from my account per our agreement. I see that they have updated that my account is paid, but the credit report is still showing it instead of removing it. XXXX said they submitted a letter to remove the accounts from my report, but it is still there.

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 2020-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Our process started on XX/XX/XXXX. We contacted rocket mortgage about a personal loan but the broker said that we would be better off by refinancing our current mortgage loan. 
We completed the process of sending all necessary documentation to get our loan refinanced. We did get a lower rate and a lower payment. In this process, we did get the refinance done. We were told that after the loan closed, we were to get a check for XXXX as a refund. Everything went well until the end of the process. The loan closed on XX/XX/XXXX. The final disbursement of funds were to take place on XX/XX/XXXX. The paperwork from the attorney to record the loan until XX/XX/XXXX and we did not find out about that until XX/XX/XXXX. So we received a call from XXXX XXXX with Rocket to tell us she would call with the tracking number. After this point is when everything went terribly wrong. She never called and we tried to call her. She never would answer out calls. Our banker was XXXX XXXX. Every single time we spoke he assured us we were getting this refund. I have numerous emails from him. We had 3 days after signing this paperwork to cancel and not proceed with the loan. We called every other day to speak with XXXX and he assured every single time, yes we were going to get this money. After XX/XX/XXXX that is when he said he didn't have control where this money was applied. We told him repeatedly if we were not getting this refund, we would NOT proceed. Since we found out way too late to stop there was nothing he could do. After numerous phone calls and he wouldn't answer we were directed supposedly to his superior XXXX XXXX. She said in the process that XXXX had clicked the wrong button to submit the closing paperwork. She said when Rocket/Quicken make a mistake they will admit it. In consolation she is suppose to send a XXXX gift card. I tried to explain to her again, we would not have proceeded with loan if we had known we would not get the refund. Our payment was XXXX it is not XXXX or so. We are saving money but we really needed that refund. She said we should be glad we didn't have to pay our XXXX payment but we had to pay XXXX in closing costs. We are in a financial crisis now because of them. They are not taking any responsibility for this and his story and her story does not add up. We feel like this loan was continued under false pretenses and no one will do anything about it. I truly believe XXXX knew all along we were not going to get this refund and he must have had a quota he needed to meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2020-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
RE : Citi Accelerated Savings acct XXXX route XXXX I'd like to make a formal complaint about the quality of customer service. 

I opened this online account in a few minutes for the express purpose of a deposit point for several annuities.XXXX had no problem making initial and recurring deposits with what I gave them. 

But I have had a hard time getting the another institute, XXXX/XXXX - who seems to be in the dark ages on doing ACH 's!?! They are requiring a signed, bank letter head note, indicating the account holder info, with account # and routing # Now I have tried repeatedly and been promised a confirmation letter thru their call centers including, several supposed supervisors, nothing has completed!!! Also never get the same story twice so not sure if ever do get a letter that it will be adequate? 

I have also repeatedly requested a POD/beneficiary form which unbelievable needs to be be snail mailed both ways? And have never received!!! 

And the real rub comes that since I opened this account in the beginning of XXXX and have yet to get a simple, standard letter as promised repeatedly. They have been able to 4 TIMES reduced the interest rate in that time?!? Now I will admit I didn't read the total details, and after 35 years in the banking industry, I am well aware of the feds rate changes but it is the same since XXXX?!? 

And usually when an institution advertises a special rate on a new account, it usually holds for a time like 6 months or even a year. And as mentioned above I have several of those that are still at the starting rate!?! 

All service contact has been by phone as even their chat function is so slow that i continually get logged out waiting for responses. And transfers to a branch office who could supposedly do something, always ends in a disconnect, sorry no one is available to talk your call goodbye, or a roll right back to the overseas help line?!? 

This is an online account, and they don '' t have branches in my state and even if I would want to go to one i cant get an office online to setup an appointment?!? 

This is unacceptable in the 21st century and especially under the present covid issue. 

XXXX XXXX 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 2020-08-17 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: AR

Complaint narrative:
I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX  XXXX {$850.00} XXXX  XXXX {$440.00} XXXX  XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX  XXXX {$360.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX  XXXX {$510.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}

Company response to consumer: Closed with explanation