vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I never received my Bloomingdale 's replacement cards nor did my authorized user. I have been working with Bloomingdales for over a month now to resolve the issue. There is an amount of {$630.00} balance on my account ending in XXXX. I have no idea what this balance is for since all prior transactions were reported as fraud since I never received the replacement cards. Bloomingdales refuses to work with me on resolving the issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: GA

Complaint narrative:
I have reached out to Transunion regarding several inquires on my credit report. I notified the Bureau that several of these inquires I did NOT authorize! Instead of them removing them from my file they IGNORED my complaint. As a consumer I deserve a credit report that is 100 % accurate. On my credit report I have notified them about XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX In the dispute process the Bureau are supposed to verify items that are on my credit report. They have not. I have notified them that I didn't give these people my permission to access my credit report at anytime. However Transunion still has not removed these items from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX {$1200.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
XXXX XXXX and its collection agency GC SERVICES have reported me to the 3 major credit bureaus for bad debt for a debt that I do not owe. I had services with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. More than the original agreement of 2 years. I kept their services on a month to month basis and signed no added / new contract with them ever. Somehow they are trying to charge me {$170.00} for an early cancellation fee. When asked about a contract showing this, neither XXXX XXXX nor GC SERVICES can provide one and have reported me to the 3 credit bureaus as Bad Debt which is affecting my credit score and home buying process. When called and asked to remove this, GC Services claimed they could not advising that I would have to call XXXX XXXX. XXXX XXXX  advised that the debt does not belong to them and still can not provide a contract to verify an " Early Cancellation ''. Someone please help...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Rocket Mortgage sent me a letter they are going to disburse {$1600.00} to pay for insurance that I already paid and they do not hold in escrow. This will artificially and fraudulently look as though I am low on my account, which I'm not. They do not have an escrow account for my homeowners insurance. They have all of the documenation from the insurance company that the homeowners insurance has been paid in full. They refuse to acknowledge this in writing only over the phone. I want it in writing as well to head off and potential problems with Rocket Mortgage since they have been unethical, if not illegal, in dealings with me in the past. I am trying to head off a problem. Rocket Mortgage advised that I should submit a complaint to XXXX if I don't like it. So here it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JAMES B. NUTTER & COMPANY
State: NJ

Complaint narrative:
Currently on XXXX XXXX. This company has failed to : 1. Assess for loss mitigation after 4 months as required by HUD0 regulations.

2. Given erroneous and false information about loss mitigation that it claims I do not qualify for. I requested documentation- it failed to provide.

3. Refuses to correct my mortgage statement address despite repeated requests to change my address on the statement that is incorrect.

4. Refuses to provide loan reinstatement amount needed to bring loan current 5. Routinely provides inaccurate bank statements reflecting incorrect loan balances 6. Failed to give proper credits for money paid. Repeatedly attempts to steal money 7. After identification of accounting errors, continues to credit for incorrect amounts 8. Refuses to provide updated loan information requested by borrower 9. Refuses to specifically breakdown charges assessed for legal fees, late fees 10. Payoff information was requested last week, said it would take 30 days to provide payoff-information on the loan.

11. Fails to change mortgage statement address to give appearance that I do not live at my home. It has known since the inception of the loan my home is owner occupied and is my primary residence.

11. Bulk of its customers are XXXX XXXX its repeated abuses are outrageous and systemic. Denial of relief programs available to qualified customers is unacceptable. It exploits and cheats XXXX customers repeatedly without consequences nor repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: KS

Complaint narrative:
Switched my bank to Albert because they advertised early deposits for pay. My check went out from work Wednesday of this week. Today its Friday morning at XXXX am and instill dont have my deposit. No one will answer question. No number to call. This is very frustrating and I need an answer. They can just steal my money!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX {$180.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
PHH Mortgage Services has spontaneously scheduled an illegal sale of our home on XX/XX/XXXX, in direct violation of numerous laws and regulations, while sending us no statements or other critical correspondence. 

They continue to periodically attempt to sell our home while providing no information or validation of any of their claims. Their violations continue to accumulate and remain unresolved. 

There are still unresolved Notices of Error from XX/XX/XXXX and XX/XX/XXXX. This company can not move forward with a sale while there are pending Notices of Error that have yet to be addressed and resolved. 

It is even more striking that I have not received any statements from PHH since XX/XX/XXXX, and I have not been in bankruptcy during any of this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: MI

Complaint narrative:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXnsurance gave me a quote on increasing my auto insurance and they automatically applied it to my account when I noticed about 2 days later I immediately called and canceled it. The information reported is false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: FL

Complaint narrative:
XXXX insurance gave me a quote on increasing my auto insurance and they automatically applied it to my account when I noticed about 2 days later I immediately called and canceled it. The information reported is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I co-signed on a student loan for my daughter. Upon her graduating in XXXX  she was to start re-paying loan. She did not work right away she so deferred the loan repayment. So I was under the impression it was being taken care of. Called Navient and they said it should be fine. Come about to this year my daughter was getting her career on track and started paying her loans back except this one. I called Navient and they said I am responsible for the XXXX whole loan and all the penalties. I tried to explain the situation they said there is nothing they can do. I feel stuck with over {$28000.00} on a {$9000.00} loan. This was not my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
SLS purchased our mortgage from XXXX bank. The entire process has been a complete mess. SLS never notified us that they acquired our loan and we continued to pay XXXX. After months of dealing with SLS, they finally obtained our payment from XXXX but during those months they called me daily demanding I pay a second time and threatening our property. Our initial statement from SLS was full of errors, including material errors in the escrow accrual. I got them to correct the escrow amount and in the process they confirmed they received our escrow balance from XXXX and acknowledged they needed to pay the taxes. Despite this confirmation, SLS failed to pay the property taxes on our property and we received notice from the county. I notified SLS and they assured me the taxes would be paid. I later received lien notice from the county and contacted SLS. They again assured me it would be taken care of. I then went to refi an home equity loan and was notified that the balance was still outstanding with the county and the lien had been sold to a 3rd party. SLS this time said they were researching and one step outstanding was determining who internally was at fault and they couldn't pay until that was determined. As of this complaint, I am still waiting for SLS to pay my taxes. I was told I could pay the taxes myself and SLS would reimburse me to get this resolved but if SLS hasn't paid the county as they promised, why would I take the risk of that proposition. In addition to the tax issue, I received an email notifying me that I was late on payment despite the fact that I had set up autopay. I'm assuming because of the escrow issue, the autopay was turned off without notice to me. As a result, SLS has applied late fees to my account. I noticed on their website that they have also noted me as late payments last year that was solely due to their purchase of my loan as I made all payments on time last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I have applied for a loan modification. The servicer is stating there are no retention options available. I have been trying to do a loan modification and a short sale for the last 3 years and the bank is not offering me any options at this time. I spoke to the investor who stated that they do allow modifications and short sales and that SPS is the one who is making this decision although they allow both options. SPS states the investor doesn't allow the options, which the investor has stated isn't correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I sent a letter via certified mail delivered on XX/XX/21 to NCA regarding a collection being reported on my credit report asking for validation of purported debt, to include pertinent information that is required to be furnished by law : Copy of original contract Name and address of original creditor Name and address of alleged debtor Amount owed Full account number Date account opened Date of last payment Date of first delinquency Complete account activity Proof that this debt was assigned or sold to the company, and that they have the legal authority to collect the debt I did not receive a response. 

It has now been well over 150 days since I initiated contact with NCA, and they have still not responded to my validation letter. I have the certified mail receipt to prove that it was received. 

This company is refusing or neglecting to address my inquiries in a timely matter as required by law. 

Acct starting with XXXX I know that this account can not possibly be verified as belonging to me if an actual investigation in to my inquiry is done. I kindly ask that this account be deleted from my credit report at all credit reporting bureaus, and all contact and collection attempts cease. 

Upon a response to this complaint, if this is not resolved as per the law requirements, my next contact will be the FTC, the attorney general, social media, and the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: CT

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation