vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I lost my job and was unable to receive job offer paying nearly what I was making. Unfortunately as of XXXX I fail behind on my mortgage and decided to do a Forbearance for a year XX/XX/XXXX to XX/XX/XXXX. I have a buyer for my home but the mortgage company seem to not want to work with me. My current mortgage is almost XXXX dollars. 
Before the forebaarance I had NO choice but to file chapter XXXX bankruptcy., I just was not receiving the job offers. I worked for XXXX while interviewing for other jobs, I worked for XXXX  while interviewing for other jobs, I worked for the XXXX XXXX XXXX XXXX XXXX and was wrongfully terminated after 6 months. The situation is currently being investigated. I finally received a job offer that offers more stable employment but I am still over XXXX less than I was making. I called my mortgage lender ( Rocket Mortgage or Quicken Loan ) and asked for a final payout. It has been almost a month and I have not received anything from them. To be honest some of the agents were condisending about my Mortgage status. I expressed that I have a buyer who has the the income to buy the home but I have received absolutely NO support " We will put in a request for a pay off amount ''? No follow up. " We have a different email address for you '' Not True. " It takes several weeks to receive a Final Pay Out " We are almost at week 4. " Get a Realitor " I still need a pay off. Why can I do a simple sell by owner? No explanation. My buyer has already been approved so why add to my already stressed financial situation. None of this is my fault, its just life showing up in a bad way. The reality these Mortgage Companies are not sympathetic at all. I have been paying my mortgage without any problems since XXXX now I am treated as if I am a lazy low life. All I want is to be responsible and sell my XXXX XXXX condo to someone who can handle the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
BLITT and Gaines , P.C . XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. Has been sending me a collection notice balance {$1600.00}. The collection has reported as a pass due balance. I dont know this company. I have never done any business with this company. This company doesnt have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XXXX XXXX XXXX ; 2. XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NJ

Complaint narrative:
I have applied for a XXXX credit card back in XXXX an I havent received my card in the mail as of yet XX/XX/XXXX, I have called numerous times trying to get help they say they will do a dispute for fraud and they havent done so its hard to speak with someone then I do they have to mail me out a letter to verify its me because I dont no my account number only the last four digits but they can call me to ask for a payment what a joke and I no for sure that this XXXX credit card comes already activated and it shouldnt like other credit cards out here now I called 7x and still not getting the help that I need I explained to them I havent made no purchases off this card I live in XXXX nj they have no proof I made these chargers or my Id this company is a fraud and I will like for my bill to be fix and closed Im not paying for no one chargers thats on this account and its a lot of bad reviews regarding this XXXX company ridiculous I shouldnt taken 7 calls to get my dispute in correctly..they supposed to mail me a new card with a new account number I still havent received that yet they dont have too because now I want this account closed!!!

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 2021-11-12 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: TN

Complaint narrative:
I was reviewing a copy of my XXXX credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly investigate, update and delete addresses that I never resided and may possibly be listed on my credit report due to fraud

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion 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 are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry Date 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 2021-11-12 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: LendUp Loans LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX 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 are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with AMER CR ACPT ( Account number : XXXX ). I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I tried contacting Credit Bureaus with no successful resolution only reporting me late. There was definitely an error on their part. I was never late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, I am a XXXX XXXX in Colorado. 
I have an auto lease loan with Chase. 
I have never been late in the last 3 years of my lease. 
I was 2 days late, and it was reported to the credit agencies. 
With that being said, we are in our fifth surge of XXXX, and I thought I had scheduled a payment for XX/XX/2021. 
I work in a local XXXX, with bed capacity issues and working with patients on a daily basis. I totally forgot. My mind wasnt focused on my car lease. It was focused on saving lives. 
I contacted Chase and they would not help me. Im looking for a withdraw of my delinquent payment history from my credit reports. I sincerely appreciate any help you can give me. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: TN

Complaint narrative:
I was reviewing a copy of my XXXX credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly investigate, update and delete addresses that I never resided and may possibly be listed on my credit report due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: TN

Complaint narrative:
I was reviewing a copy of my Experian credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly investigate, update and delete addresses that I never resided and may possibly be listed on my credit report due to fraud

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 2021-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This acoount is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
After taking out Direct Parent Plus loans to put my daughter and son through college, I am fed up with the treatment and- let 's just say it- lies that I have been fed over the years. My payments have been on time and at the amount that I could comfortably manage. Two of the loans have been paid in full. I have taken advantage of the 0 % interest during the pandemic. Even with those measures, I still owe much more than I took out in loans. For example- one loan was for {$11.00}, XXXX. I have paid {$10.00}, XXXX and still owe {$6700.00}! Another example- a loan of {$12000.00} with {$7100.00} paid has a balance of {$15000.00}. As you see, the payment schedule with no confirmation and/or accurate counseling for forgiveness options leaves me with loans that I will never be able to pay off. 

This is year XXXX for me as a XXXX XXXXXXXX XXXXr. After hearing what seems like a million different things since I first took out loans to send my oldest daughter to college in 2011, my work in a low-income XXXX XXXXl recently qualified me for Public Service Loan Forgiveness XXXX From what my research tells me, I have probably qualified for this program- and possibly others- since that first loan was approved and dispersed. Rather than getting answers over the years in my many fact-finding phone conversations with XXXX and XXXX XXXX XXXX, I have had nothing but the runaround. One answer contradicted the next- sometimes within the same phone call. Yes- I took notes during these calls. 

Although I recently learned that I qualified for the PSLF, it was before the most recent changes to that program were announced. When I was notified, I talked with a counselor at the XXXX XXXX site to ask how my retirement after this year would affect this. I was told that I would have to continue working to receive the forgiveness because they do not count years of service ( I have XXXX qualifying years ). I was also told that I would have to start the 10 years/120 payments now since I just officially qualified, which would keep me in the classroom until XXXX. 

Because I tried in vain over the years to find out my options and make wise choices with the help of counseling through Navient only to receive bogus and ever-changing information, I feel that I have a case to bring to someone in a position to see that I finally receive some help. 

ATTACHED IS A COPY OF RESPONSES I HAVE RECEIVED OVER THE YEARS, WHICH ILLUSTRATE THE CONFUSING MANNER IN WHICH I WAS COUNSELED BY NAVIENT ABOUT MY LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
I bought my XXXX XXXX XXXX on XX/XX/XXXX of XXXX from XXXX  XXXX XXXX XXXX. My car loan is through American Credit Acceptance. On XXXX of XXXX they decided to Charge-off my car due to Natural Disaster affected by COVID-19. Even though I have been in paying my car loan the entire time and I had the transaction payment sheet as proof.They also never reported my car to the credit bureaus during the entire time I've had my vehicle. So, in XXXX of XXXX, I had an open case with the State Attorney General Office in Ohio. ACA refused to reverse the charge off from XXXX and refused to update my Credit report. But, they did agree to take the XXXX off my credit tradeline. So, now as of XXXX of XXXX they said they were going to repo my car for missed payments, even though the car has been paid off by pandemic relief money and I've been making payments. So, I sent in a {$2000.00} payment on the XXXX of XXXX, a {$730.00} payment on the XXXX of XXXX and the XXXX of XXXX, and a {$1000.00} payment on the XXXX of XXXX. ACA is now saying they can't find the {$2000.00} from XX/XX/XXXX and {$730.00} from XX/XX/XXXX even after sending in my bank statements for these 2 months. They refuse to fix the issue they have caused and the refuse to actually do their jobs. I have had issues with this company taking money from me for 2 years, not reporting it to the credit bureaus, and now not even showing the car as an active account on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: PA

Complaint narrative:
listen I have reached out via phone, mail and the CFPB and yet I am still being violated. These accounts are inaccurate and effecting me negatively. I have not benefited from any of these companies nor accounts and demand that they are deleted.By law you had 30 days to respond and I have heard nothing not a peep. I need this situation handled like yesterday my attorney generals office has informed me to report one last time before starting legal 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 explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Radius Global Solution LLC, XXXX XXXX XXXX XXXX, MN XXXX. Has been sending me collection notice balance {$550.00}. The collection has reported as a pass due balance. I dont know this company. I have never done any business with this company. This company doesnt have a contract with my signature.

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 2021-11-12 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Simultaneous examining my updates, the wrong information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I sent a letter to the Equifax Credit Bureau but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any evidence provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I sent a verification letter XX/XX/XXXX to national credit adjusters regarding a charge on my credit report of {$650.00} and have yet to receive anything back from this company verifying that this is my debt what this debt if for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Time has already passed but up until now, I havent heard any kind of response from the XXXX and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the account which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.

Company response to consumer: Closed with explanation