vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 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: WI

Complaint narrative:
On XXXX, I co-signed for a loan for my niece who is XXXX XXXX XXXX XXXX The next day I checked my credit score through credit journey saw my brother 's credit was now listed with my credit information. I contacted the XXXX dealership in GA who denies making the error. The Dealership reported the accounts were mixed when that ran my credit report with Experian on XXXX, but stated they used information from XXXX and process the loan. I contacted Experian on XXXX, and learned our information was mixed and my account was flagged so that would not happen again. I requested from several agents who mixed our information. I was not given that information as they kept saying they could see that information. I called back on XXXX, and requested to speak with a supervisor and spoke with XXXX who told me that someone would call me in XXXX hours. That never happened. I called Experian again on XXXX, and learned that now I could not get that information as the problem has been corrected. I explained that every time I called I requested this information. I was also in informed by the Supervisor XXXX, that I need to file a compliant with this office and should look up the information. XXXX wanted me to believe that XXXX of my brother 's creditors linked all our information all at one time on XXXX. I told her that sounded outlandish. I was told that now I could not learn that information because the problem was not fixed. Someone should not be allowed to have more access to my credit information or report incorrect information and not beheld accountable.

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 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX several times during the past 60 days regarding the XXXX credit card ending in XXXX. This account is reporting inaccurate, false information that is impacting my credit. 

2 of my credit reports list this card ending in XXXX as having a 30 day late payment in XX/XX/XXXX. I was never late on this account. This account is reporting incorrect information that needs to be adjusted. XXXX XXXX XXXX acknowledges that they have a verbal statement from me in XXXX stating that I was never late on this account. 

I have spoken with 5 representatives at XXXX XXXX XXXX since XX/XX/XXXX, including Customer XXXX  XXXX XXXX XXXX XXXX XXXX. Each representative states that they will put in a request to review the account to have the late payment changed to read as a paid payment, yet still the status of the account has not changed as of XX/XX/XXXX. 

I have sent in written statements via both mail and fax to XXXX XXXX asking that the XXXX XXXX 30 day late payment be changed to read as a positive payment, yet they have not changed the status of the payment. ( I have attached a copy of such written statement, including a copy of the XXXX report page showing the 30 day late listed for XX/XX/XXXX ). 

Both my XXXX and Transunion are showing this account as late, when it has never been late. I have also contacted XXXX and Transunion asking them to change this information so that it reports accurately on my credit reports as paid.

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 2022-01-13 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: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX several times during the past 60 days regarding the XXXX credit card ending in XXXX. This account is reporting inaccurate, false information that is impacting my credit. 

XXXX of my credit reports list this card ending in XXXX as having a 30 day late payment in XX/XX/XXXX. I was never late on this account. This account is reporting incorrect information that needs to be adjusted. XXXX XXXX XXXX acknowledges that they have a verbal statement from me in XXXX stating that I was never late on this account. 

I have spoken with XXXX representatives at XXXX XXXX XXXX since XX/XX/XXXX, including Customer Relations XXXX XXXX XXXX ID XXXX. Each representative states that they will put in a request to review the account to have the late payment changed to read as a paid payment, yet still the status of the account has not changed as of XX/XX/XXXX. 

I have sent in written statements via both mail and fax to XXXX XXXX asking that the XXXX XXXX 30 day late payment be changed to read as a positive payment, yet they have not changed the status of the payment. ( I have attached a copy of such written statement, including a copy of the Experian report page showing the 30 day late listed for XX/XX/XXXX ). 

Both my Experian and XXXX are showing this account as late, when it has never been late. I have also contacted Experian and XXXX asking them to change this information so that it reports accurately on my credit reports as paid.

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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
For no reason my account has been on hold for several months ND my money has been d fr several monthsXXXXthe bank sad they will not talk to me over the phone at all and I must come in to a branch which XXXX plusmiles away I went to the branch on the XXXX # th of this month to verify my identity however the correct depFtment was closed dforr they were supposed to. I got to the bank at XXXX pm they don't close til XXXX. They refuse t help meat all I verified my identity and the sill Wont release my funds at all for no reason .they refuse y re me there name r employee number so. Can reference the whole situation. Management is not willing t help me T all they said it's because of a transactions stayed was grad which is not true I never did that. They are holding my money illeally

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CA

Complaint narrative:
The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX 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 non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XXXX my adult daughter XXXX XXXX XXXX was in a car accident driving my car and was taken by ambulance to XXXX XXXX XXXX XXXX XXXX. She was not cooperating with the trauma team due to her condition and XXXX admitted her using my name and date of birth ( I'm assuming they obtained my name from the vehicle registration ). Even though they had her medical card! I was horrified to find out my medical privacy was violated when I noticed my daughter 's ER visit to XXXX XXXX XXXX XXXX XXXX was entered into my XXXX XXXX medical record as if I was her and the patient on that XXXX visit with them! They have may age, height, and weight all incorrect as well. I also received a collection notice attached here for the services they provided to my adult daughter. She is not a dependent and does not live with me. I've made numerous calls to the XXXX XXXX XXXX at XXXX and each time they assured me the information is corrected. Here we are months later and the information is incorrect in my XXXX medical record. They need to correct the XXXX XXXXXXXX XXXX link now. They also need to correct the billing information from the XXXX XXXX XXXX XXXX XXXX and CMRE FINANCIAL SERVICES , INC to reflect my daughter 's information XXXX XXXX XXXX XXXX. XXXX. I filed a dispute with them too and I'm unable to obtain what they are asking for because I was not the patient! Any assistance you can provide will be much appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VW Credit
State: TX

Complaint narrative:
Volkswagen Credit never disclosed my right to dispute the debt. 

I submitted a debt dispute to Volkswagen Credit. I have been told that they do not have to provide debt validation. Another agent informed me that they will not provide the documents that I requested, but she could submit what they send for a debt validation, which is a debt validation cover letter, copy of the contract and the payment history. - I still have not received this. 

I was told that they dont respond or deal with people like me who use sovereign person language. 

I have requested a notice to rescind from Volkswagen Credit and they refuse to submit the proper documentation to me. I have asked for this 3 times. 

In writing and on a recorded line, they continue to violate my XXXX and FDCPA. They refuse to disclose my documents and the information that they are obligated to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CA

Complaint narrative:
Equifax is in violation of federal consumer protection laws and is reporting information on my credit report that the FCRA clearly and conspicuously states are required to be excluded from credit reports. 
I have contacted them to seek prompt removal of the specified information, in hopes that the damage done to my name, life, and reputation will not exceed what has already been. It is my hope that equifax removes the accounts in question immediately so that they are not further liable under 15 usc 1681n of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CA

Complaint narrative:
The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX BANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX BANK 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 2022-01-13 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
I signed the statement with the mortgage company STEARNS LENDING , LLC ( Loan ID XXXX ). The settlement schedule on XX/XX/XXXX. Due to the rate surge, they cancel my settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I had a collection from Credit Collection services that I wasn't notified I had until I received an email from XXXX that my score has gone down. Immediately I called the company to pay it as the amount was only {$500.00}, and asked why they hadn't contacted me. They informed me they had been sending the letters to an address that was incorrect, and had not reached me any other way. They say they attempted to contact me via phone only twice, once in XX/XX/2021 and once in XX/XX/2021, but I never answer unknown numbers and they never spoke to me until XX/XX/2021 when I called them once I had seen it on my credit report. When I called, the representative I spoke to did not inform me I had the right to dispute the debt, did not inform me that paying the debt would not remove a negative mark on my credit report, and told me they had mailed my letters to an incorrect address. I have filed a dispute with all XXXX credit bureaus as I am now currently trying to get a mortgage, and although having 100 % on time payment history, this single collection has damaged my score by over XXXX points. A kind representative from XXXX today contacted CCS and spoke to a supervising XXXX, who informed him they would refuse to authorize XXXX to remove this debt from my credit report even though they failed to notify me or inform me I had a right to dispute, and simply said allowing them to remove it would make my credit report " inaccurate '' even though there are no laws that state this. I am incredibly frustrated and upset, I can't secure a good interest rate and I'm just trying to get ahead in life after years of saving and working hard. I explained my situation to CCS and they refused to help me, even though the rest of my credit report shows I've never missed a payment, ever.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I am a XXXX XXXX XXXX teacher and have been in the process to purchase a home since early XXXX. I was cleared to close Monday XX/XX/XXXX with caliber home loans. While I was at the closing table the lender found out that I just went on XXXX leave and wants to deny my loan. I have had multiple letters written by my supervisor and human resources stating my pay and that I will be paid at 100 % during my leave. I feel as if everything was fine I was at the closing table and as soon as they found out I had a baby they wanted more documents and pay stubs. I send in the documents and it doesn't seem to be enough. I am now waiting until I am paid again on XX/XX/XXXX to hopefully close then. My lease it up XX/XX/XXXX. So I will now have to move in 1 day with a XXXX week old XXXX XXXX. I feel as if I am being punished for having a child and I am experiencing a lot of stress making sure we will have a home next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TX

Complaint narrative:
On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CA

Complaint narrative:
Upon review of my credit report, it has come to my attention that Experian is reporting and furnishing information on my credit report that the Fair Credit Reporting Act specifically states needs to be excluded from credit reports. Thus, Experian is in violation of Federal Consumer Protection laws. I have disputed these accounts with reason and proof and have contacted Experian multiple times with no relief. This is my final attempt to resolve this matter before I seek damages in the form of monetary relief, as this incorrect and irresponsible reporting has caused irreparable damages to my name, life and reputation as well as by ability to take part in commerce.

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 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The company Loancare is a terrible company. Their website does not work to login and review, pay our account. The statements are confusing. It is close to impossible to contact them for help and assistance. We are so sad that we are with this company and we are stuck with them for now and it's so frustrating. They have added an escrow account to our payment without notice or consent after paying our property taxes even though we had paid our taxes on our own which we have done for years. We looked up thousands of reviews about this company XXXX and were horrified to learn that so many people are in the same boat and are thoroughly frustrated. We have been trying to contact them for months are always the same thing - a recording to leave a message. Of course we never get a call back, no letters or correspondence, ... nothing. We don't know what else to do but hire an attorney. The worst part is we checked our credit and they have been reporting us 30 day late for XXXX payments in 2021 even though we are on autopay without a hitch. Hundreds of people reported the same on XXXX. We felt to communicate to others who may be with Loancare is the best thing we can do to help and perhaps this agency can investigate their business practices.

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 2022-01-13 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: SC

Complaint narrative:
this complaint is to put on notice that Transunion received my letter today and starts the clock for them to respond to my request. I have included my letter with tracking and a certified mail delivery receipt with signature. As a courtesy, I have also sent this letter and return receipt to XXXX XXXX XXXX the State attorney general of Pennsylvania and My state attorney general XXXX XXXX XXXX to ensure compliance and further investigation into the investigative procedures by Transunion and maintenance and processing of my credit file to ensure that ALL federal laws have been applicable.

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 2022-01-13 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
One of the 3 attached bill collector shared my information with a relative. I am not responsible for any of these loans because of a natural disaster that was out of my control and left me without anything for a long long time. The current administration would gladly have this removed from my credit report.

Company response to consumer: Closed with non-monetary relief