vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX My name is XXXX XXXX loan number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by XXXX  and was forced to skip my mortgage payments during the pandemic. I have been hospitalized and am unable to work during the pandemic and suffered from many long-haul XXXX  symptoms. Once my forbearance period ended, I was told that I needed to make 3 trial payments in XXXX, XXXX, and XXXX of XXXX. I even made 4th payment on XXXX of XXXX. 

I made these 4 payments on time and was given a new loan modification. The following is a direct quote from Cares Act passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus.

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' https : //www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/ XXXX is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made 4 payments in a row as they have requested.

My first request is that they immediately fix this error and report me to the three credit bureaus as the current which is in accordance with US law. 

My second request is that XXXX lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had 23 years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
XXXX has raised my monthly payment and added 17 years to my previous payment. 

17 years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

G-d bless you, 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 2022-01-31 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: GA

Complaint narrative:
Disputed Item : - Inaccurate Reporting XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX Closed Date opened XX/XX/XXXX Account type Credit Card

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 2022-01-31 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: NE

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: NE

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I asked for an itemized bill and no information matches whats on my credit profile. Company is no longer responding.

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 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX and my ex spouse used all my personal information to open a credit card through Wells Fargo for {$12000.00} until XX/XX/XXXX. 
I have been asking for copies of the all the transactions since XX/XX/XXXX. I finally received a copy of the application and it clearly showed it was not my signature, I was supposed to receive all transactions by XX/XX/XXXX. Instead, I received a letter stating that we would not comply and their decision remains the same. 
Both XXXX and XXXX sided with mw months ago and removed it. 
I am under high alert for aggravated theft and fraud and much more. 

XXXX XXXX. 
Executive Case Specialist refuses to send it to me for review. This makes no sense as I am trying to get my identity back and all the money stolen from Wells Fargo. 

Her number is XXXX ext 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 2022-01-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was in the hospital for over a year due to XXXX. I lost everything inclusing my wife passing from covid. I contact all credit companies via calls, email, and letters. 
XXXX XXXX placed me diseased. All credit agencies show no credit for me. I cant even get a car. 
They said they can not help because its all Charged off and your dead. 
The credit companies Cant accept payments and if they did they would not help my credit. The credit agencies are no help what's so ever. 

Here 's a list of the creditors The last one listed took a payment and cleared but so up negative on credit report. 

Im XXXX XXXX XXXX, XXXX XXXX  XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Past due 150 days. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6400.00} Status Account charged off. {$6400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5300.00} Status Account charged off. {$5300.00} written off. {$5300.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX I Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/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 2022-01-31 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Notice, it is a fact, I the consumer is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in XXXX  as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. The reported information published on my consumer report for account # XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed. This is also a violation of 15 USC 1681 ( 2 ) ( a ) i. This report contains information solely as to transactions or experiences between I, the consumer and the person making the reportXXXX XXXX  created the report.Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I was not given the chance to opt-out of having this reported information about Account XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.

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 2022-01-31 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Notice, it is a fact, I the consumer is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. The reported information published on my consumer report for account # XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed. This is also a violation of 15 USC 1681 ( 2 ) ( a ) i. This report contains information solely as to transactions or experiences between I, the consumer and the person making the report.XXXX XXXX  created the report.Notice, it is a fact, XXXX is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I was not given the chance to opt-out of having this reported information about Account XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
From XXXX to now I have been in contact with Navy Federal Credit Union letting them know that I was going through financial hardship. My wife abandoned me on a military base, took my kids, my brother and father died and that my mother was in hospice and they vowed to help me but as soon as I left the military in XXXX Navy Federal Credit Union repossessed my car and treated me like they never knew me. I recorded all my conversations and notes in this matter. I've been with Navy Federal for almost 20 years and to get this type treatment is unsat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: SC

Complaint narrative:
I get XXXX Loan and they wan na charge me XXXX!! I paid ever 2 weeks, automatically payment, but this is never gon na have a end!! I cancel the payments when I see this is was a abuse interest!! 
I already paid XXXX and I still have a outstanding balance for XXXX!! I talk to the customer services today to trying a some deal or modify the amount, but they dont wan na make any deal!! Even I offer to paid it in one time payment!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I've requested that Portfolio Recovery Services please have XXXX XXXX verify the original debt they are collecting on. They also list that they opened the account with the bureau 's although I believe the account is older than 2020. They have yet to verify the debt I've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: MI

Complaint narrative:
I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them has been heard. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Reference number : XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) # XXXX XXXX {$92.00}

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 non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APPLE RECOVERY SERVICES CORP
State: MI

Complaint narrative:
I received a letter stating I owed {$64000.00} for a credit card. I called the bank which stated there was no record of the the debt and the account number didnt match anything in their system. They also said they didnt do business with a third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
Chronological history of my encounters with XXXX XXXX XXXX  which operates the following business located at : Prosper Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Prosper Marketplace, XXXX NMLS # XXXX On XXXX, I received an alert from XXXX XXXX a credit monitoring agency, that a new inquiry has appeared on my credit report that contained my identity information including my residential address. The inquiry was generated by XXXX XXXX Prosper with this phone number XXXX On XXXX, I contacted Prosper by phone and spoke with XXXX. I informed him that I have never applied for any credit or requested any funding from Prosper. He told me that yes, indeed, an account was opened using my name, my birthdate, and my address. During the conversation I was asked to provide my contact phone number and e-mail address. I was also told that they will forward this info to their Fraud Team and I will hear from them within 24-48 hours. They provided me with this confirmation number XXXX. 

Subsequent to that I spoke with a number of different individuals, XXXX, XXXX, and others, at Prosper, over several days but did not receive any appropriate response or resolution as to the status of my complaint or inquiry. At one point, I was told that the account application is NOT moving further on their end as it was possibly an incomplete application. 

To my total surprise, on XXXX, within 10 days of my first contacting them, I received a credit card from Prosper LLC. It is a XXXX from Prosper, an unsecured credit card issued by XXXX XXXX XXXX, member, FDIC. It also included instructions as to how to activate it. 

This is ENTIRELY fraudulent. The company has completely failed to act in good faith and to resolve this in a timely manner after being notified. I also strongly suspect that the company, Prosper LLC and XXXX XXXX XXXX, may be involved in opening such Fraudulent Accounts without any legitimate applications for credit from their potential clients.

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 2022-01-31 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 — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I did a modification in the year of 2015 they are claiming that I owe over {$400000.00} on my home I did not take any money out of my home Ive never owned that much money on my home I need help Ive talk to an attorney they sent over a letter I have not got any response from Carrington they keep sending me the same paperwork over and over again stating that it is valid I dont see it in the paperwork I dont understand it I never pulled any money out of my home so that being said I dont believe I owe this. They added principal twice on my loan which does not make any sense to me please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've requested that XXXX XXXX XXXX please have Capital One verify the original debt they are collecting on. They also list that they opened the account with the bureau 's although I believe the account is older than 2020. They have yet to verify the debt I've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I spoke to XXXX XXXX, a Mortgage Banker with Rocket Mortgage NMLS # XXXX a couple weeks ago asking about the products they offer. 

He started asking for personal identifying information at which point I stopped him and explained I was not applying for anything. I just wanted to know if a certain type of mortgage product existed ( a home improvement loan above 80 % XXXX ). He responded that he understood and we were just collecting information to answer the questions. At no time did he mention running a credit check ( because I would have said NO ). 

After speaking with him and determining the product I was interested in was not offered by them I ended the call and received a notification from XXXX XXXX that someone had checked my credit. 

I called and complained because they ran my credit without my permission. I spoke to : XXXX XXXX Associate Resolution Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX She had to research and got back to me a week later stating that the banker asked my permission and I consented. I said I did NOT and she asked me what did you think your social security number and date of birth were for? She was very condescending and unprofessional which I imagine comes in handy when you have to lie to customers what actually took place in a converstation. 

I provided that info because it was specifically asked for ( which is what prompted me to Pause the conversation and clearly state I was NOT applying for anything ) I went out of my way to clarify I was only asking a product question and they ran my credit without permission. 

I have an excellent credit rating so it should be clear I dont wander around allowing banks to run my credit. 

This is plain and simple dishonesty and a breach of ethics while handling my personally identifiable information. 

See attached files. This inquiry no doubt knocked my rating from Excellent down to good. This can not be tolerated for such a mainstream company like Rocket Mortgage.

Company response to consumer: Closed with explanation