vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I purchased a ring from XXXX on XXXX in the amount of XXXX. I never received the ring and contacted XXXX. They told me XXXX delivered the package on XXXX! I was sent a copy of the signature and it was clearly not my signature and my last name was spelled incorrectly. I was told it would take 90 days to get this resolved and told to contact the police, which I did and get a report, which I did. After numerous phone calls and correspondence over 2 months I was told by XXXX they didn't find anything wrong with the shipment and that I needed to pay for something I never received! They told the police I had filed missing deliveries 8 times in the past 2 years, which is a lie. I pulled up my transaction history and it shows all of my purchases, payments and returns with credits. I had a good relationship with this company over several years and have always paid on time in full! They keep telling me they have a signature, which again, is not mine. If I had 8 transactions in the past 2 years that were reported as missing, why would this company keep doing business with me after just a few times of missing deliveries? I have no late payments to any of my creditors and have no criminal record, yet this company is treating me like a criminal. Why wouldn't they insure a delivery of this amount? I am trying to attach all necessary documents but they are not going through. I have about 30 statements, police reports, statements of fraud, bank statements and letters from XXXX to prove my point. The police are continuing their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$590.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX $ XXXX XXXX  XXXX XXXX {$500.00} XXXX XXXX {$400.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2600.00}

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 2020-08-18 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$590.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX $ XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX {$400.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2600.00}

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 2020-08-18 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: WV

Complaint narrative:
I recently sent letters over 60 days ago to these bureaus and they are disregarding the regular consumer disputes. I have been sending letters before this and still no respones.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: WV

Complaint narrative:
I recently sent letters over 60 days ago to these bureaus and they are disregarding the regular consumer disputes. I have been sending letters before this and still no respones.

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 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
CMRE financial Services keeps posting a debt on all my credit reports. I will get them removed because they can not be validated and they put them on again. 

I have no idea what this debt is. And now when I try to get dispute the debt again, it will bot let me, even though it was already removed. This is not be debt and if it was already removed, it should not be constantly put back on my credit report. 

XXXX : : CMRE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The creditor XXXX marked my report derogatory on XX/XX/XXXX over an misunderstanding account that i closed to switch service back in XX/XX/XXXX i made it abundantly clear to shut my service off XX/XX/XXXX and my service was still on even when i moved out until XX/XX/XXXX My account was charged and i paid it still and months later on XX/XX/XXXX they flagged my report for a {$62.00} payment charge off which i paid the same day The agreement was to remove the account once it was paid but it still shows on my report i tried numerous of times to dispute it and nothing was 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 2020-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
I was offered a streamline refinance with Freedom Mortgage, which was supposed to be a quick process by what I was told. I agreed to proceed and have my rate reduced as well as my payment and believed I was in good hands. I was told this process was to take about a month to process. This was started back in XXXX and it is now XXXX and I have not heard from my main contact named XXXX XXXX. The last contact I received was to supply a survey for the tile company and after this was completed I have received no emails or call backs to answer my questions about this process. I have sent multiple emails to XXXX XXXX, XXXX XXXX, XXXX XXXX, and Customer Care with the only response of " we will direct this to the proper department ''. Note : this response was from a customer care representative, not from any of the individuals named above, they have remained silent and have yet to reach out to me over the many emails I have sent. The main reason to proceed with the streamline refinance was to help ease financial stress due to the current global situation. Now 5 months later I have yet to reap from the benefits of this program which I believed was being handle by a competent team of individuals. I would greatly appreciate if I can receive the lower rate in which I was promised and locked in over a recorded line as well as signed documents. I would also like to have up to date communication on this process and have it actually " Streamlined ''.

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 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nobilis Credit Management, LLC.
State: VA

Complaint narrative:
I received several recordings from a different numbers indicating that this company was trying to locate me. Number from different states the last number was XXXX. These people also contact my aunt with the same recording. 

When I called the number back they indicated at first they were from NCM I looked up that company and could not find it then they said they were from Noblis Credit Management. I asked if it was a collection company and they said no. They said that they represented their client and I was being contacted because of criminal breech of contract and falsification and he was there to let his client know if he should proceed with legal action. Or if I wanted to settle the debt. I again asked if he was the debt collector and he said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
Date : XX/XX/XXXX To : Specialized Loan Servicing LLC XXXX. XXXX  XXXX XXXX, CO XXXX From : Confirmed Successor in Interest Re : Error Resolution Notice under 12 C.F.R. 1024.35, 12 CFR 1024.38 ( b ) ( 1 ) ( vi ) ( B ), 12 CFR 1024.32 ( c ), 12 CFR 1024.34, 12 CFR 1024.17 Mortgage Loan Number : XXXX   I am writing to request a correction of the error described below in regard to the mortgage on my property. On XX/XX/XXXX, I paid off this debt. 

Surplus Escrow Payment Errors : Your company incorrectly paid/handled the surplus escrow payment. The check was incorrectly addressed. The check or the payment of surplus escrow funds was sent on XX/XX/XXXX. 
The check was written payable to : " The Estate '' The check should have been made payable to : the Confirmed successor in interest. 

The XXXX Servicing Rule establishes definitions of successor in interest and confirmed successors in interest, and provides that the latter are considered borrowers for the purposes of Regulation Xs mortgage servicing provisions. 
Confirmed successor in interest means a successor in interest once a servicer has confirmed the successor in interest 's identity and ownership interest in a property that secures a mortgage loan subject to Subpart C of Regulation X. 

Note : As of XX/XX/XXXX, a servicer must treat a confirmed successor in interest, as defined in 12 CFR 1024.31, as a borrower for purposes of 12 CFR 1024.17. 

Thank you for your assistance.

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 2020-08-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In response to my complaint XXXX Transunion responded : '' We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. '' Please note that I am not using any third party or " credit clinic '' services at this time ( although I do have the right to do so ). The complaint XXXX was initiated by me and I do not understand what made you think that " it didnt appear to have been communicated by you .. '' as I have not only provided my name, DOB and last 4 digits of SSN but also attached a copy of complaint to FTC XXXX 
Therefore, please investigate and delete disputed accounts : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account 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 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One reduced the credit limit on a card I held with them by two-thirds with no warning, because I don't use the card enough for them. I have been a customer for 9 years with not one late payment and I more than qualify for the credit limit I had previously. Reducing someone's available credit with no warning by {$20000.00} is not ok and should not be allowed in such circumstances. 

When I called Capital One, the only recourse I was given was to apply for a higher limit. A limit I was originally given by Capital One without having to ask. This request would result in a hard inquiry on my credit, which is also not ok. I ended up canceling the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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:
XXXX XXXX sent me an email that it looked like my personal data may have been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. XXXX, XXXX  XXXX {$0.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX XXXX {$610.00} XXXX   XXXX {$1900.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$460.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$670.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX {$670.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX  XXXX {$36000.00} XXXX XXXX XXXX XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Today XX/XX/2020 at XXXX XXXX  a man named XXXX XXXX phone number XXXX called my office phone. He then stated that I would be served at my job and arrested! I asked him to not call my work and he then called back anonymous and asked to speak to my supervisor?? He then proceeded to call several of my co-worker 's extensions harassing them. Not sure how he knows all my co-worker 's names but he does and their phone numbers too. I asked him to not call my work and he called 4 times back to back to back harassing me and my co-workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am having a problem with Equifax removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. Equifax is claiming that this statement is there because of XXXX XXXX  XXXX. However, I have never made a late payment with XXXX XXXX  XXXX since my loan was transferred to the company. They claim they investigated this matter and XXXX claimed that this information was true. The document provided from XXXX shows my actual payment amount in some places incorrect. All payments through XXXX XXXX  are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to XXXX XXXX have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. Equifax continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If XXXX XXXX  is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with XXXX nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with XXXX XXXX XXXX for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am having a problem with XXXX  removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. XXXX is claiming that this statement is there because of XXXX XXXX XXXX. However, I have never made a late payment with XXXX XXXX  XXXX since my loan was transferred to the company. They claim they investigated this matter and XXXX claimed that this information was true. The document provided from XXXX shows my actual payment amount in some places incorrect. All payments through XXXX XXXX  are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to XXXX XXXX  have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. XXXX  continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If XXXX XXXX  is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with XXXX nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with XXXX XXXX XXXX for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.

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 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Home Depot Credit / Citibank believes I owe them money. I disagree. However, that does not stop them from calling me 2 to 4 times a day, trying to collect. They use an auto-dialer to call my cellphone, when I answer, there are a couple clicks, and the calls are connected to a live agent. They have admitted that they use an autodialer and have told me " Well, our system will still keep calling you ''. This has been going on for about 4 months now, I'd be happy to send you a copy of my cellphone 's history showing the incoming calls. I have gotten to a point where I keep my cellphone on do not disturb mode until around noon, but lately they've started calling later in the day as well. This is rather aggravating.

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 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello I would like to make a complaint of XXXX has been made me a black list account and my name I cant apply any credit card or debit card or account XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX Please email me XXXX XXXX

Company response to consumer: Closed with explanation