vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: GA

Complaint narrative:
Someone is using my personal information and social fraudulently.

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 2022-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX Account XXXX : XXXX Please provide me with the name of the person/company that is saying I have this collection. 
Account XXXX : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX  XXXX  Account Number : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX XXXX XXXX XXXX Account Number : XXXX The account above is showing as a repossession with a balance owed. Please provide me your method of how you verified that amount that is still owed. 
XXXX XXXX XXXX Account Number : 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 2022-06-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX Account XXXX : XXXX Please provide me with the name of the person/company that is saying I have this collection. 
Account XXXX : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX XXXX  Account Number : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX XXXX XXXX XXXX Account Number : XXXX The account above is showing as a repossession with a balance owed. Please provide me your method of how you verified that amount that is still owed. 
XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: AL

Complaint narrative:
I received a Covid-19 Forbearance for my mortgage for the year of XXXX. Upon the end of our forbearance ( XXXX XXXX ) we started making on-time payments on our mortgage beginning XXXX XXXX. When we called to cancel our forbearance we told the " Loss Mitigation Department '' that we wanted to do the loan modification with partial claim. At the time we were under the impression that according to the " Cares Act '' this would not affect our credit as well as an employee in the the Loss mitigation department told us it would not. Upon receiving the documents in XXXX of this year we noticed in the documents that it stated it WOULD affect our credit so we decided it would be best not to do the loan modification and only do the partial claim option. I called the loss mitigation department to convey this back in XXXX and they told me they would have to redo the paperwork and would send me documents in the mail. Fast forward to today -- - I still have not received any documents from the bank for the single claim option, I have called every week since XXXX only to get the same answer that " its been escalated and we should receive our documents soon '' They even told me once that they were mailed but we never got them if that is even true. By law our bank statement should reflect the payments we have made since XXXX of this year, which it does not. It shows that we are behind, and shows all the months this year that we have not paid when in fact we have paid AHEAD of time every month and I have bank statements to prove it as well. It should not take almost 5 months to send someone some paper work. We have been in limbo with our mortgage and enough is enough. I am tired of getting the run around by this bank, their employees, and the shady practices they are implementing. It is absolutely pointless to even call them, b/c we get the same answer and no results. We are at a loss of what to do. I am trying to get a home improvement loan and I can't b/c our bank statement is incorrect and shows that we are delinquent and owe XXXX?? This needs to be corrected ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX  XXXX balance of {$1400.00} I have tried to clear this balance and have it removed from my report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original creditor is XXXX XXXX XXXX. I paid a balance of {$820.00} in XXXX of XXXX. Also XXXX of XXXX, I moved back into the apartments and has to pay a deposit of {$630.00} to pay off balance and move back into the apartment complex. I have submitted this and tried to work with XXXX XXXX  several times where they kept giving myself and account manager the run around. They eventually told me since they weren't able to get a response from XXXX management, the management company of XXXX XXXX apartments, that I would have to dispute with the credit bureaus or pay the balance again. I have submitted the documentation to the bureaus several times. However, they only investigate and verify debt the collection agency and have not reviewed my documentation and refuse to remove the collections from my report. I have uploaded a copy of my bank statement, my receipt, an email where the apartment complex actually gave me a refund, and copy of my new lease showing as a current resident/tenant of the apartment complex again.

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 2022-06-27 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: GA

Complaint narrative:
Experian lowered my score by XXXX points for no reason. the other two credit agencies have not done this and my scores still remain the same at over 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 2022-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
This is updated information with regard to Case # XXXX. Although you show this as closed, it is by no means not. I am continuously getting phone calls from their agents, which at times are very rude. Recently an agent told me " Ma'am I have a notification about you and your account. No calls regarding this account will be handled. Don't call back we will call you if any information is needed. Here is an XXXX number you're to call. Good day XXXX XXXX XXXX. '' This is supposedly Citi 's Recovery Dept, which I've called numerous times, only to get the proverbial run-around. 

Now I am receiving statements with totally different account numbers that I am not nor have been aware of namely their statements only show the last four digits, which are in no way connected to anything I am aware. How can Citi ask for positive or negative feedback when their statements allude to accounts I have never created nor have used? 

Harassments are now more provoking than me instigating dialogue with you. 

Thank you ever so much.

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 2022-06-27 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: MO

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX account # XXXX & XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX all have violated my rights.

15 U.S.C 1681 Section of 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: NC

Complaint narrative:
This is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't 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 us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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 im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/2022 I sent out a letter asking for them to send me my form 1099-c that they should have sent to me when when they filled the account as a canceled debt/ Charge off to My address. i have not heard back from them at all.

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 2022-06-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute in regards of items on my credit report it has been well over 30 days I havent received any investigation results. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
On XXXX I received notice that my mortage was being transferred to Carrington Mortgage company On XXXX I received a letter that an escrow analysis had been completed and due to the projected taxes, our mortgage would increase by over {$600.00} a month. 
On XX/XX/XXXX XXXXI contacted Carrington and advised them that my taxes had not been increased and the analysis was wrong. I spoke to XXXX in the tax department, and she advised me to send them the letter from my tax assessor. I uploaded my tax document and was told it will take XXXX days to research. 
On XX/XX/XXXX - I called my municipal tax assessor to confirm that there was not a tax increase and she informed that there had not been and the amount I had for my taxes was correct. 
On XX/XX/XXXX - I called Carrington Mortgage to find out the status of the escrow analysis and spoke to XXXX who indicated they received my tax document with the correct taxes, and she would request a new escrow analysis, On XXXX I called Carrington Mortgage and spoke to XXXX and she said she could see the new request for the correct taxes and a new escrow analysis would take XXXX  days. 
On XXXX I received the exact same escrow analysis letter as the XXXX on XX/XX/XXXX and nothing was changed. 
On XXXX I called Carrington Mortgage and spoke with XXXX again and she was frustrated because the XXXX Department didn't look at her notes the first time with the correct quarterly taxes. I was assured again that it would be taken care of. The mortgage payment for XXXX was not sent because the mortgage payment amount was incorrect. I informed this company that I did not want to be charge a late fee and have my credit affected because of their error. Was told that they could waived the late once everything was corrected. 
On XX/XX/XXXX - I called Carrington Mortgage and spoke to XXXX and he said he saw the escrow request and it would be updated in the system no later than XX/XX/XXXX and I would have the correction in my account so I could pay the correct XXXX payment. 
On XXXX I checked my Carrington Mortgage account again there had not been correction. So, I called again and spoke to XXXX, and then XXXX in the XXXX Department that said they had made the changes to the taxes on their end, and she transferred me XXXX in customer service, and he transferred me to XXXX who said she will contact the XXXX Department and get back to me. 

This process has been extremely stressful and time consuming. I have never had this kind of problem with any escrow analysis on another house I own for over 30 years. This company has projected an outrageous tax increase without checking the facts and expected us to pay this significant increase in our mortgage payment. Carrington Mortgage has not done its due diligent and has not properly assess my taxes based off facts not projections. I find this to be an unfair practice and predatory and they should be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: LA

Complaint narrative:
XXXX  XXXX balance of {$1400.00} I have tried to clear this balance and have it removed from my report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original creditor is XXXX XXXX XXXX. I paid a balance of {$820.00} in XXXX of XXXX. Also XXXX of XXXX, I moved back into the apartments and has to pay a deposit of {$630.00} to pay off balance and move back into the apartment complex. I have submitted this and tried to work with XXXX XXXX  several times where they kept giving myself and account manager the run around. They eventually told me since they weren't able to get a response from XXXX management, the management company of XXXX XXXX apartments, that I would have to dispute with the credit bureaus or pay the balance again. I have submitted the documentation to the bureaus several times. However, they only investigate and verify debt the collection agency and have not reviewed my documentation and refuse to remove the collections from my report. I have uploaded a copy of my bank statement, my receipt, an email where the apartment complex actually gave me a refund, and copy of my new lease showing as a current resident/tenant of the apartment complex again.

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity Bank shut down all services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
On XX/XX/2022, I used my social security account ( SSN ) to receive an extension of credit for a credit card with American Express and was sent an adverse action. Pursuant to 15 U.S.C. 1605 a credit card is defined as any card, plate, coupon, book, or other credit device existing to obtain money, property, services, or credit for family or household purposes. I am at the age of majority and have realized competency in the order of my affairs and see this act as discrimination against me and my good faith in my usage of my credit. This has harmed myself and my family from being able to benefit from the use of my account and in the full faith and credit that is promised to my by the United States Codes as a natural living being and original creditor. I believe American Express has violated 15 U.S.C. 1691 in this discrimination and I demand that my credits be made available to me for personal and family usage. No company or partner company was every given permission to furnish any negative information on my account or accounts to American Express to be able to make any type of discriminatory determinations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-06-27 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: MO

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX account # XXXX & XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX all have violated my rights.

15 U.S.C 1681 Section of 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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