vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 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:
my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Bankruptcy has been over 10 years and still showing on credit report. Please remove and update my credit report by removing and updating all three credit reports to show accurate information. 
Thanks. 
Type : Chapter XXXX Bankruptcy Name : U.S. Bankruptcy Court Filed On : XX/XX/2012 Updated On : - Verified On : - Status : Discharged

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 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Bankruptcy has been over 10 years and still showing on credit report. Please remove and update my credit report by removing and updating all three credit reports to show accurate information. 
Thanks. 
Type : Chapter XXXX Bankruptcy Name : U.S. Bankruptcy Court Filed On : XX/XX/2012 Updated On : - Verified On : - Status : Discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: MA

Complaint narrative:
hi XXXX XXXX/ Sears/cbna ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Subject : Default Option of Statement vs. Coupon Issue Details : I refinanced my existing conventional mortgage back in XX/XX/2020. In about a month time frame, the loan was sold and ended up with BB & T ( now Truist ) for servicing, interestingly the same servicer as I had prior to refinancing. Soon after this, I signed up for the automatic draft for the mortgage payment jut as I do for all of my critical payments. As a result, I have been making a regular payment just as I have made before. 

About two months back, I happened to log into my existing BB & T account and I could see both of my loans prior and a new one, though statements only for the prior loan, not the new one. Just yesterday, I called up the bank to inquire on the matter of statements display in my account. Unfortunately, I received the answer that I am a coupon customer, not the statement customer. They had to switch me to be a statement customer from a coupon customer. There are no statements in my account online today! It will take about 25 days for the statement to be displayed, also not knowing my old statements will be available there.

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 2021-07-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am disputing a charge of {$29.00} plus interest, shipping and handling and sales tax to my credit card account on XX/XX/2021. The charge is in error because the item I ordered was missing from the delivery. 

I have been in contact with the company by phone calls, writing emails since XX/XX/2021 disputing their error until now. I received a letter from the company XX/XX/2021 dated XX/XX/2021, after registering my dispute on the telephone XX/XX/2021 stating the purchase was paid in full at the time your dispute was received ; a credit for the disputed charge ( s ) will not be applied. I responded " You will see on my bill of XX/XX/2021 which was the bill the following month of the charge on XX/XX/2021 that I was charged a minimum interest charge of {$2.00} because I did not pay for the missing item. I didnt want anymore interest charge so I paid my bill but you can see on the Statement Closing date XX/XX/2021 that there was a balance of {$35.00} which was the balance on XX/XX/2021, the date of my phone call and again a request for the missing item. It was not until XX/XX/2021 when my auto payment of {$29.00} was applied. '' Why would I be denied a credit for an item that I did not because I pay my bills?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: MA

Complaint narrative:
Hello XXXX Hospital /DYNAMIC RECOVERY SOLUTIO , Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My Name is XXXX XXXX I am a new immigrant to the united states, I have been settling for about 6 months, during the period of the spread of the covid 19 pandemic, the majority of proposals to work have been online, and this is how I had a proposition through the face book, attached all the discussion since the beginning. 
I had a proposition to work with XXXXXXXX XXXX XXXXXXXX company for a position XXXX XXXX remotely, the job request some devise and software so they send me a check with XXXX to purchase the necessary materials .I have receive a check next day with an amount of {$3800.00}, I have try many time to deposit the check online with my banking App of XXXX XXXX  XXXX XXXX but it was rejected, after 30min My supervisor told me to deposit directly inside the branch of the Bank XXXX Next day the check was returned. I was surprise how a big company like XXXXXXXX XXXX XXXXXXXX doesnt have money for this amount .... 
The most big surprise is when XXXX XXXX XXXXXXXX close my two account checking and saving account, I cant understand what is my mistake. 
My Proof The XXXX letter with the tracking number that I receive the check inside A copy of check and The receipt that I deposit the check inside the bank All the discussion in the messenger and the email from this company All the claim that I have do it with my calling of XXXX XXXX XXXXXXXX and my appointment to discuss and trying to resolve this issue no not succeed yet. 
I want to be remove all this information from the XXXX XXXX and Early Warning Service and be clear off. ( Credit Reporting Agency )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: CA

Complaint narrative:
I closed a credit account in XXXX ( XXXX ). My XXXX credit journey reporting, which is run by Experian, kept showing this account as open. I contact XXXX and then Experian to resolve this issue and no longer show this credit account as open. 

Experian requested I call the credit union first to ensure closure. I did this in XXXX ( XXXX  ) and the credit union said my name and account doesn't even exist because the account had been closed/terminated two years prior. 

I called Experian back and they asked me to file a dispute online. I did so and submitted my information that was requested. In XXXX of XXXX, I receive mail that says my dispute was denied/declined. 

I called Experian back and got in touch in XXXX of XXXX, and explained the process above. They claimed that no dispute was processed and that's why I received the denied dispute result in the mail. 

Experian mentioned that they would file the dispute ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) I received a notice of the dispute results. And the results show that the reporting will show the updated status " account paid and closed '', but that it will be reported until XXXX ... 10 years of inaccurate reporting. 

Experian has still yet to resolve my issue. The account from the credit union needs to be deleted/removed from all credit reporting. It does not exist anymore and is inaccurately reporting my credit.

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 2021-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage employees XXXX XXXX, XXXX XXXX deliberately delayed processing of my refinance loan. XXXX XXXX 's supervisor was copied on some of the e-mails but failed to intervene. XXXX XXXX and XXXX XXXX would not return my calls, or answer questions. They failed to put information I sent them in my file. They said they were my primary point of contact. My file was shifted to about three other processors who requested same information I had already sent XXXX and XXXX. Application process started on XX/XX/2021, and did not close and fund until XX/XX/XXXX, XXXX was locked into this transaction and not allowed to take advantage of historically low interest rates on other financial matters. I could not use credit cards or engage in other financial matters. Took about 90 days to close. No home appraisal or inspection was needed. I was already and existing XXXX/Freedom Mortgage customer. I only wanted to refinance my existing principal balance. I sent documents to them promptly when requested. Closing date changed 3 times, my payoff letter expired, substantial incresases in closing costs, my rate lock expired and had to be extended.

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 2021-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
hi PRA COLLECTION/ XXXX/XXXX  ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: FL

Complaint narrative:
THIS IS AN UNVERIFIED, FRAUDULENT ACCOUNT. TRANSUNION IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS UNDER THE FCRA. FURTHERMORE, TRANSUNION IS VIOLATING DOLA PRACTICES by UPDATING THE " CO '' MONTHLY ON MY REPORT. PLEASE REVIEW ATTACHED DOCUMENTATION AND IMMEDIATELY DELETE FROM MY CREDIT FILE. 

I WOULD ALSO LIKE INFORMATION ABOUT MY LEGAL RIGHTS AND ACTIONS THAT I CAN TAKE AGAINST TRANSUNION FOR SUCH 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 2021-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY
State: VA

Complaint narrative:
I paid my mortgage of XXXX on XX/XX/XXXX and Oceanside continues to harass me. The issue is that my XXXX mortgage payment of {$2500.00} was incorrect and does not reflect the agreement to spread escrow over 69 months. This caused my mortgage to be behind by {$260.00}. I set up payment arrangements and I continue to receive letters that I am in default when I have had no issues paying my mortgage by the end of the month. I have contacted the company with no luck. This is my third complaint. My next step is fixing lawsuit against Oceanside.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: TX

Complaint narrative:
On or about XX/XX/XXXX I received notice from Experian that my available credit had decreased for my XXXX XXXX account ending in ... XXXX. A login and perusal of my Experian credit file revealed that my XXXX/XXXX  account reported the following information : Account type NA Responsibility : Individual Date opened : XX/XX/XXXX Status : NO STATUS. 
Status updated : XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment : NA Credit limit - Highest balance : {$0.00} Terms : NA Spoke to XXXX ( XXXX ) on XX/XX/XXXX who verified that none of that information was accurate and immediately reported the correct information to Experian, while I disputed the inaccurate information with Experian. On XX/XX/XXXX, Experian sent me an email saying the following : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
A review of my report showed the same inaccurate so I contacted XXXX and spoke to XXXX. He verified my conversation with XXXX and suggested I call Experian at ( XXXX  ) XXXX-XXXX  which DOES NOT provide access to a live representative. XXXX confirmed that XXXX 's information reported to Experian on XX/XX/XXXX indicated a credit limit of {$5100.00} and an available balance of {$2700.00} with an account opening date of XX/XX/XXXX. Experian has a duty and responsibility to accurately report information supplied by a creditor and not a lie saying the verified the information. XXXX can be contacted at ( XXXX  ) XXXX-XXXX  to verify the information that should be reported by Experian.

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 2021-07-24 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: TX

Complaint narrative:
Experian, and XXXX  are reporting XXXX XXXX XXXX as a duplicate account 7 times on my credit report! That is a clear FCRA violation and they refuse to investigate for accuracy and it's hurting my credit rating!

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 2021-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I was approved for a construction loan on XXXX by Citizens Bank, XXXX XXXX XXXX  XXXX, XXXX, RI XXXX... then Citizens Bank denied that loan without any explanation. My financial/personal information was disclosed to a private citizen ( who I do not even know ) without my knowledge, consent, permission. Both of these situations were facilitated by XXXX XXXX of Citizens Bank. 

Please see CFPB Case # XXXX... XXXX XXXX, Office of the Chairman, Citizens Bank wrote me an " empty '' 2 page letter and never addressed/resolved my above concerns. She has refused to take my telephone calls even after she supplied her phone number for additional assistance/clarification. 

I want my complaints resolved! I need CFPB 's assistance in this matter. 

Thank you.

Company response to consumer: Closed with explanation