vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: CIG FINANCIAL LLC
State: FL

Complaint narrative:
The company said we were late for XXXX but we were not when we tried to fix it with XXXX. XXXX did the investigation came back and it was the same thing I called the company and asked them how can we be late for XXXX when we paid all of XXXX and it was just turning XXXX. I told them that's not e 30 days late. They reported it on my credit and my credit score went down as a result. the company fails to do anything about it. I even talked to a lady and sent her all the information and still nothing they didn't even get back to me it's like they don't care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened an Account with Victoria Secret and my Balance was XXXX. They decreased down to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2022 I locked myself out of my original Venmo account. I created a new account because my father had died and I needed my husband to send me {$780.00} instantly to cover my dads cremation ( my portion ). I had trouble connecting my card so I contacted customer service. The told me that I cant have two accounts with the same card and I advised them that I lost access to my other account and that they can close the old account and I will use the new one. At no time was I advised that this would cause a problem or flag my account. The old account was deleted, and the new one was allowed to receive the money. I tried to instantly cash out the amount and it wouldnt let me because I needed to ID verify. I sent I. My ID and was verified the next day. I went to cash out the money and found my account. Was frozen. I contacted customer service again explained to them that this money was for my dads cremation and that I was ID verified and they told me that a different department handles this and that they are only reachable through email. It has been 8 days. My father is lying in a freezer, dead. And I still cant have him put to rest because of Venmo holding my money. I turned in my ID 3 times. My husband account. Was frozen as well and he also sent in the bank statement, and ID showing proof that this is real. I want my money released back to me. The fact that I cant speak to anyone, that no one can help me but they can hold my money for weeks in a time when Im already grieving, hurting they just traumatized me more. This was all the money I had for this, I have no other family to help and the funeral home will be disposing of my fathers body without releasing the remains to me because of failure to pay. My fathers remains will be dumped like garbage because VENMO decided to hold my funds after I verified my identity. I have contacted an attorney and we will be suing for pain and suffering involved over this. I want my account opened and I want to transfer my funds. Now. Venmo is a horrible company that never disclosed to me that it would be a problem. They had the opportunity to tell me and didnt. Shame on them. Im absolutely traumatized that my fathers remains will be garbage by morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: ID Analytics, Inc.
State: NC

Complaint narrative:
On XX/XX/2022, SageStream , LLC, a subsidiary of XXXX XXXX reported a " credit score '' of XXXX to XXXX XXXX  during attempts to secure a loan for a vehicle. After securing my report from SageStream , LLC, there is no such " credit score of XXXX '' on the report THAT i HAVE JUST RECEIVED TODAY, TUESDAY, XXXX  XXXX, XXXX, unless I am over looking the XXXX pages plus. It is a general understanding that the SageStream , LLC is a personal consumer reporting agency not a personal credit reporting agency that deals with finances. My report consist of my residences, auto report information, insurance information, and the XXXX XXXX report. There is no information regarding how I pay my debts, the debts that I have, and extended credit. Thus, how can SageStream , LLC determine and submit a credit score to XXXX XXXX? 
When I called SageStream , LLC about this, I was told that they had not submitted a report to XXXX XXXX  which appears to be false according to XXXX XXXX  's denial letter to me. There is a lot of confusion, misrepresentation, and harm caused. Originally, I was denied securing my report from SageStream by employees overseas. I had to keep calling and calling and finally secured the attention of a supervisor who sent me the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon recently viewing my consumer report I noticed many inaccuracies. On XX/XX/2022, I XXXX XXXX sent via certified mail to Experian, XXXX and XXXX letters asking them to please delete all old and previous items from my personal history for fear of identity theft and to remove all old employment and education history. 

I've only received a positive response from XXXX, who removed the old information and used the current information I provided. I feel like I'm being taken advantage of, and my disputes ignored by XXXX and Experian. 

FCRA 611 ( a ) clearly states failure to investigate the items within 30 days give reason to immediately delete the items from my consumer report. Its my right as a consumer to have proper, current information on my report. 

I demand old, irrelevant personal information be deleted immediately, or I will file for litigation due to the stress Ive undergone for fear that my information may fall into the hands of the wrong person creating further anxiety.

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 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
I purchased my property in XXXX, WA that I had my mortgage with United Wholesale Mortgage closed on XX/XX/XXXX. My monthly mortgage payment was {$990.00} and I've been making payments on time every month. I never skipped or missed any payment. I had my payment automatically paid online every month on time for {$990.00}. I did not get any notification until I checked my credit report online showing my credit scores has been decrease from XXXX to XXXX due to UWM been negatively reported that I was late for XXXX and XX/XX/XXXX and I was charged {$45.00} every month for late fees even though I've been paying on time during covid pandemic. I've been on the forbearance so they should not have reported as late or charged me any late fees. 
I contacted UWM to have them remove any late fee and remove negative reporting on my credit but they've ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I called target customer service via the number on the back of the card on friday XX/XX/XXXX. 
I asked to speak to someone about the late payments that were reported to my credit in XXXX, XXXX, and XX/XX/2021. I also explained I am trying to buy a house and those XXXX late payments are stopping me from doing so. 
I explained the company I worked for made us take a cut in pay due to co-vid 19. I emailed the ceo to ask for forgiveness doing a time I was not working. 
I received a letter from target stating they are not able to remove it from my credit report out of good will.I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 54 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 54 days so they should be deleted promptly.

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 2022-03-29 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: CO

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 54 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 54 days so they should be deleted promptly.

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 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: TN

Complaint narrative:
I have already submitted a complaint and the company called Direct Recovery ignored the complaint and keep harassing my sick mother. They have ignored the first complaint submitted to you and now I expect you to take action. They have broken the law when you told them to stop. The phone call was made today XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: SC

Complaint narrative:
RENTDEBT AUTOMATED COLLECTIONS I do not have a contract with this company Collection is not from original creditor. I have never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im complaint about Experian for having inaccurate information on my credit report I sent XXXX letters to Experian to remove the inaccurate information from my credit report and Experian ignored my disputes and Experian dont want to send me the reports of my disputes or to remove the inaccurate information from my credit report I request to Experian to remove the inaccurate names and addresses form my credit report and Experian is violating the law This XXXX XXXX XXXX company dont want to remove any of the inaccurate information from my credit report they have an inaccurate addresses on my credit report I sent prove and documents of my addresses and even like that they are violating the law ignoring my disputes this abusers of Experian Im tired of sending disputes to this XXXX 
and Experian is saying that this inaccurate information is accurate lying and violating the law I sent my ID and bills with prove of my personal information and this XXXX dont wan to do anything about it Stop XXXX  my credit All this information is inaccurate must be remove it How many XXXX XXXX I have to dispute and dispute my legal right XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I recently refinanced my home loan through Rocket Mortgage. One of the incentives to use them was a {$2000.00} credit to my XXXX card once i closed. XXXX closed on XX/XX/2022. My has called numerous times to Rocket customer service to inquire on the credit since we had not received. We were continuously advised that we needed to allow 8-12 weeks to receive but that we were eligible. I called XXXX on XX/XX/2022 and they advised they were aware of the problem but that Rocket had not notified them of my loan. In speaking with a Rocket Rep today ( the XXXX week ) my wife was advised that we were not getting the credit, even though we had been advised several times that we would. My wife was told that we were given the {$2000.00} credit at closing and that it was on the closing disclosure. The closing disclosure shows a {$2000.00} credit but nowhere does it say anything about XXXX or were we advised that is what that credit was for. A closing disclosure should detail the credit as my wife advised teh rep. The rep only reply was that she could send an email stating that was what the credit was for. I simply can not understand how i am how supposed to just take the Reps word when several other reps advised we were due the credit on our XXXX card account. Sounds like a bait and switch to get our business. We were told over and over again that we would receive the credit, even after closing and now they claim we already got it. The line item on the closing disclosure does not show XXXX. A page of teh closing disclosure is attached for review. the credit is on the lower right of the page.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies listed below, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX  ( XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I would like to also add that XXXX XXXX XXXX  and XXXX XXXX are reporting from the same creditor as well.

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 2022-03-29 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Filo Mortgage, L.L.C.
State: NJ

Complaint narrative:
FILO Mortgage NMLS : XXXX not willing to honor pricing shown on XXXX XXXX XXXX and attempting to bait and switch. Showing a note_rate//APR//Fees of 3.99 % //4.003 % // {$390.00} but then via email only offering 4.00 % //4.222 % // {$6300.00} which is a huge difference in price.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Midland Credit Management.

This collection agency is slandering my credit by placing false information onto my credit files. 

I had complained in XXXX about the untrue information that this collection agency is reporting, and they had stated that they were going to remove it, but they have not. 

And to begin with, this collection agency had placed this derogatory debt information onto my credit files without first verifying it. 


I dont owe the balances that are being reported, neither have I had anything to do with either, XXXX XXXX , nor XXXX XXXX since XXXX of XXXX. 

Midland Credit Management is reporting false, untruthful status, and date information regarding these accounts onto my credit files. 

Midland Credit Management is placing false information onto my credit files for, XXXX XXXX  account number # XXXX, for {$320.00}. 

And XXXX XXXX XXXX, account number # XXXX, for {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I had a Citibank credit card canceled for no reason I have lost all my sky miles I had with Citibank it was over XXXX sky miles I had a accumulated made while with Citibank I was Chargeed a Macys credit card bill. XX/XX/2017. I have never received a Macys bill DSNB/MACYS this is incorrect in my credit was hurt Because of Macys credit card Citibank close my account for no reason XXXX  make all my bills have been paid All my mortgages and other credit cards I own are all paid I also have collection agency XXXX XXXX and XXXX XXXX MA XXXX This is a hospital bills from XXXX XXXX my insurance is paying this and when you call XXXX XXXX for billing nobody answers the phone and you can not do any business For doing Billing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
A person pretending to be me has reported to XXXX, XXXX, and XXXX that my credit cards have been missing/lost and requested new credit cards to be sent to my address. They also submitted a " change of address '' request with the USPS which i never authorized or knew about. They also opened a new credit card/account with XXXX XXXX. I have called XXXX, XXXX, XXXX, and jet blue and had all my cards/accounts closed/replaced. The dates of these events take place between XX/XX/XXXX  and XXXX/XXXX/XXXX. I also filed a police report describing the events on XX/XX/XXXX  with the XXXX XXXX police department in OH.

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XXXX2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 120 days so they should be deleted promptly.

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 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Reference : Loan # XXXX Shell Point Mortgage XXXX XXXX XXXX I am very sick and tired missing with my Mortgage Lender. I have in my 20+ yrs been thru XXXX other mortgage loan modification and both have been very simple and easy. I need for Shell Point Mortgage to provide me an Amortization Schedule in clear cut understanding language. First Shell Point has added {$7000.00} for taxes i paid myself on property taxes and they are taking forever to remove that off the principal balance and i am paying interest on. Second they added {$2000.00} deferred for what?? No earth idea why and never explained to me. Last prior to starting my Loan Mod. my balance was $ XXXX and not its $ XXXX???? I see {$8000.00} added and from where??????? 

We need some investigation on this file ASAP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation