vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I really dont even know what to say at this point. I have filed so many complaints and called Equifax so many times and wrote so many letters and its been 8 months and still this issue has not been resolved. So now I am submitting this as a last ditch effort to resolve my issue before taking legal measures to resolve this ongoing problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
I have asked XXXX ( report # XXXX ) and TRANSUNION ( file # XXXX ) to verify an account reporting on my consumer report for errors by XXXXXXXX XXXX XXXX After multiple disputes, I am reaching out to the Bureau to help delete this unauthorized, inaccurate account that has financially hurt me and hindered my ability to extend credit. This account is said to be closed in two different times and written off amount are completely different. 

XXXX claims this XXXX has a past due amount of {$1900.00} however the account was said to be written off for the amount of {$1400.00}. How can this account be written off on the corporation and then still accumulate additional money after the account is charged off? This is a clear error that has been reported for years. XXXX continues to update this account without correcting the error. 

For this XXXX account to be valid and continue to report, It needs to be the same across the board. Because XXXX and TRANSUNION have validated the same account reporting inaccurately with errors. 

I am asking for the immediate deletion of this account.

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 2022-03-04 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 have asked EXPERIAN ( report # XXXX ) and XXXX ( file # XXXX ) to verify an account reporting on my consumer report for errors by XXXX XXXX XXXX After multiple disputes, I am reaching out to the Bureau to help delete this unauthorized, inaccurate account that has financially hurt me and hindered my ability to extend credit. This account is said to be closed in two different times and written off amount are completely different. 

EXPERIAN claims this XXXX has a past due amount of {$1900.00} however the account was said to be written off for the amount of {$1400.00}. How can this account be written off on the corporation and then still accumulate additional money after the account is charged off? This is a clear error that has been reported for years. Experian continues to update this account without correcting the error. 

For this XXXX account to be valid and continue to report, It needs to be the same across the board. Because EXPERIAN and XXXX have validated the same account reporting inaccurately with errors. 

I am asking for the immediate deletion of this account.

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 2022-03-04 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: CONTRACT CALLERS INC
State: OR

Complaint narrative:
CONTRACT CALLERS IS MISTAKENLY REPORTING ME IN COLLECTIONS. I VISITED XXXX  AND WAS ABLE TO GET A PRINT OUT OF THE RECEIPT FOR RETURNING MY EQUIPMENT AND DUES OWED AT THE TIME. PLEASE SEE ATTACHED. PLEASE DELETE THIS COLLECTION ACCOUNT FROM MY CREDIT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: RI

Complaint narrative:
My closing date was XX/XX/XXXX. On this day, I received Temporary Payment Coupons specifically for mailing in monthly payment for my mortgage to Guaranteed Rate. I was told by my Loan Officer that what I had received was the most up to date information. I was informed I could wait for my statement in the mail, but that it is common the first statement might not arrive in time for my first payment, therefore I can use the coupons. My first payment was due XX/XX/XXXX for an amount of {$1100.00}. The coupons had the wrong dollar amount due to a change in property taxes. But I was told by my Loan Officer I could send the check for the new amount, and still use the Temporary Payment Coupons even though there was a slight adjustment. My name and address was correct on the coupons, and the check was written out for the correct amount. I didn't see how this could go wrong. A few weeks went by, and I never received my statement in the mail. Because of this, I set up an online account so I could pay my XXXX statement online since I hadn't received any statements. It was then that I noticed my XXXX payment had not been posted on my account, and I soon got a call on XX/XX/XXXX being accused of not paying for the month of XXXX. I was shocked. They had taken the money out of my checking account though. I called Guaranteed Rate customer service and was informed my statement was mailed to the wrong address and that my loan number was changed. I was NEVER informed of this by phone or by email. Guaranteed Rate knew they mailed the statement to the wrong address as the statement was sent back to them ; they never informed me of this, and never asked for the correct address. The woman who helped me on the phone told me the statement had been mailed back to them since the address did not exist. I had her correct my address and she told me my correct loan number. I did everything I was told to fix this issue, yet, as of today, XX/XX/XXXX, they are still accusing me of not paying them for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
I have been sending dispute letters since XX/XX/2020 when it showed on my credit report on XXXX because this collection is not mine and doesn't belong to me. 

No one has gotten back to me and this is affecting my credit this is my last resort to get the help that is needed to straighten this out. 

I am having to pay higher interest on everything especially because it doesn't even belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: FL

Complaint narrative:
I am a victim of identity fraud. Per The Florida Department of Economic Opportunity in addition to alerts/notifications from XXXX, I have been advised that my identity has been compromised several times, sold on the XXXX  market and used to obtain unemployment compensation. It has been used to open the fraudulent credit card account with XXXX XXXX have disputed this account numerous times with Experian. In XX/XX/2021, I contacted them by phone and they agreed to delete the account but failed to comply. Experian has repeatedly refused to take this matter seriously and not only investigate this fraudulent account but provide their method of verification. Due to their inability to validate this account, I have demanded for it to be deleted from my credit profile but Experian has only updated the accounts without disclosing their findings. This is a direct violation of my FCRA consumer rights as well as unlawful practices. Please investigate this matter to see why Experian is being non-compliant and operating unlawfully. I have provided them with credible supporting documentation that proves that I am indeed a victim of identity theft but they refuse to comply with FCRA guidelines. Please 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 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
After I suffered a home owners claim, Citizens was impossible to work with and borderline abusive emotionally and financially. 

They moved my mortgage to XXXX XXXX, but I must still use their banking apparatus. They have zero customer support capability. Their online website is not only dated but unusable. I can not even view my annual mortgage docs. 

They are the worst bank I've ever worked with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed this account as fraud with Experian and it keeps coming back as accurate, But that not true because XXXX  and as well XXXX  have taken off 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 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I applied for a cash out refinance mortgage for {$280000.00} with Rocket Mortgage LLC ( NMLS # XXXX ) for my property in Texas. 

The loan officer confirmed I was eligible for their " delayed financing '' product which was also described on Rocket Mortgage 's website. On this basis I permitted him to pull my credit report and also provided my credit card details for the cost of the required appraisal. ( note : the appraisal fee was {$540.00} per appraisal report dated XX/XX/XXXX but Rocket debited my credit card {$790.00} on XX/XX/XXXX ) Further on XX/XX/XXXX I was verbally informed by the loan officer that Rocket Mortgage 's underwriter says due to Texas Law Section 50 ( a ) ( 6 ) my investment property in Texas was not eligible for delayed financing / cash out refinance. 

I received a decline letter on XX/XX/XXXX " the reasons why we are currently unable to help you with your loan - *Other - Product/Program not available. 

I have never been declined for credit my entire life and find this letter is completely inadequate as it provides no reason or explanation for the decline. As America 's largest mortgage lender they need to be held accountable for such poor standards of communication and arbitrary underwriting standards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have spoken with or written Transunion 3x about the same debt. I am not disputing this debt, just the way it was reported! The original creditor was Smart sales and lease, they stated the 1st date of delinquency was XX/XX/2019. This impacted my credit negatively by about XXXX points. Then they sell the debt to XXXX XXXX, i did not receive any type of communication for this but the collection account was added to my report as of XXXX and 40 or more-points were deducted again from my report! I have been disputing the way this was reported and they keep denying the dispute stating that the debt is valid, I know that i am not disputing that. My initial dispute I stated that the debt was reaged due to it being the same debt, but the collection agency added to my report using another date. Transunion stated that the collection agency was in there right to add it to my report as a negative account therefore impacting me twice. I know i owe the debt but i am working on getting my credit together and it will take time, but it seems like these credit bureaus are not helping. They take XXXX or more points from you when you fall behind but once you get back on track, they want to add 5 or 6 points a month to your report and thats not fair!!!

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 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mobiloans, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has repeatedly called my place of work, home and even my father and step mothers home. They told my step mother that I was getting ready to be sued for a debt and that they needed to tell them where I was. I finally got in touch with them, did not understand the debt, or remember the debt specifically. I asked them for proof of this debt and they stated they did not have to give this to me, because the name of the company seemed familiar and I was being threatened I agreed to be on a payment plan. I have made payments and have only 2 left and was unable to pay these last 2 due to COVID, these people are now calling my place of employment threatening me to call my boss, calling me and when I answer, this women keeps saying.. oh OK, just wanted to see if you were at work and then they hang up. I have told them DO NOT CALL THIS NUMBER AGAIN, it's my place of employment and it's a call center I can't receive these calls here. I am in California and I am told they must send me proof of any payments I have made within 30 days and I have NEVER received anything from them other than threatening calls. NOTHING BUT THREATS.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-04 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: CITIBANK, N.A.
State: TN

Complaint narrative:
XX/XX/XXXX I paid for my husbands XXXX online. To XXXX XXXX XXXX  in XXXX XXXX Arkansas. 
The charge was {$2200.00}. Later that day I open my credit card account online & there was a charge for {$22000.00} to XXXX XXXX. 
I called the Autopsy office & talked XXXX the office manager who had earlier that day walked me threw the steps to pay {$2200.00} online. 
She told me, there was nothing she could do. 
I needed to call my credit card company. 
XXXX Citicard XXXX Last 4 numbers of card XXXX. So I did & was told by Citicard the charge was approved already so I had to file a dispute for the {$22000.00}. Charge. 
So I did this right away over the phone. 
I did pay {$2200.00} for the autopsy on the same credit card that same day. 
XX/XX/XXXX. 
XX/XX/XXXX. I saw the {$22000.00} was put back on my card. 
I called. Was told the dispute department found this to be my responsibility unless I provided more info. So XX/XX/XXXX I faxed more information, & emailed it also. 
The person I was talking to at forensic office, XXXX, her phone number. The invoices paid to XXXX. One correct, other overpayment invoice. I provided, The phone number & person to speak to about the over payment of {$22.00} XXXX. In the XXXX XXXX account, which I had gotten from XXXX the forensic office manager. 
XXXX XXXX I called Citicard to check on status of this dispute. 
XX/XX/XXXX a second charge {$22000.00} was applied to this same XXXX, Citicard. 
I called XX/XX/XXXX & spoke XXXX. 
Told me was mistake & would be corrected. 
Called again XX/XX/XXXX to see why not not corrected. 
Talked to XXXX at Citicard who told me it was mistake & would be corrected. 
Still have 2 {$22000.00} charges on this card, showing it overdrawn. {$20000.00} due immediately. 
No credit on a {$30000.00} available card. 
I sent fax, email. On XX/XX/XXXX & again on XX/XX/XXXX trying to get this corrected. 
XX/XX/XXXX I got email from the dispute department saying. 
According to the documents received XX/XX/XXXX, you accept responsibility for Charge. 
So we consider this matter resolved!!! 
I called dispute department XX/XX/XXXX & spoke XXXX, who assured me this matter will be taken care of. 

No response as of today from the dispute department. 
Today I faxed & emailed them again. 
Because I still have these 2 fraud {$22000.00}. 
To XXXX XXXX in which the credit card company are saying Im responsible for. 
Man can only die once. 
So why would I have to pay for 3 Autopsys on Same person.

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 monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cascade Capital, LLC
State: OH

Complaint narrative:
I don't have a account number. Just a letter stating that i am named a Defendant in a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
CFPB PLEASE REVIEW IN ENTIRETY CCI has continuously tried to collect on an alleged debt that I the original creditor has not validated nor do CCI have the right to collect. I did not provide consent to CCI to house my personal information no report to the consumer reporting agencies without my consent as a federally protected consumer. 

CCI has continued to illegally communicate with me with harassing language and violations ( attached ) not in accordance with Federally protected laws. I have experienced marital issues due to the information that CCI is illegally reporting without my consent as well as inability to purchase a home due to adverse items listed on consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: IL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation