vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: AZ

Complaint narrative:
On XX/XX/XXXX or there about I submitted a dispute and it did not get removed when it Cleary was mistaken, it is in the letter I am attaching and the company representative said it clearly is to be removed

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 2021-06-02 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
This account don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies 1. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account Name : XXXX XXXX. Account Number XXXX* Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, XXXX  reports as XXXX, and Equifax reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TX

Complaint narrative:
Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX Account Number XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for TransUnion, XXXX  reports as CO, and XXXX  reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.

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 2021-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX. Account XXXX XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, XXXX  reports as CO, and Equifax reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We, XXXX XXXX and XXXX XXXX ( husband and wife ), the borrowers and now the owners of the property purchased on XX/XX/2021, received the mortgage loan from Citibank in connection with the home-purchasing transaction. Prior to the settlement, a closing disclosure was issued to us from City Bank indicating that the mortgage tax in the amount of {$10000.00} would be due and payable at the time of the closing. However, on the day of the settlement, the mortgage tax that had to be paid was actually XXXX and the we were compelled to pay the difference at the time of closing. 
Our real estate lawyer representing us at the closure, has later followed up multiple times to try and resolve the situation. I have personally contacted Citi and was not assisted.

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 2021-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX  did not send me any notifications of a car payment was behind or in repo status. My husband had the car. Me and my husband separated due to XXXX  XXXX over a year and half now. My husband also got {$5000.00} money from XXXX XXXX for the car in which I recently found out. 
I was getting the run around last year due to covid 1to reclaim 9 in which was going on sent 2 letters to XXXX XXXX XXXX XXXX  with no reply. I was the co signer on the loan in which i could never get no real information to the loan by XXXX XXXX XXXX XXXX. 
I never received any letters of payments behind or the car went into Repo status with XXXX XXXX XXXX. 
There was no notice to reclaim the car in repo or any letters mail to me of any kind to the said car. 
I now received a letter from Revco solutions in which is a collections company. 
I have also talk to attorney about this situation with this loan about notice of the the car payments behind and no letters to reclaim the car when it was going into repo status from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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:
This fraud account is not mine. Moreover only one bureau reports this misleading information. Obviously, that this is an error. Please remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield Account number # XXXX After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. 
I ask that this request for validation because I do not recall or have knowledge of this so-called debt. Please provide physical evidence that I have a legal obligation to pay you. That is exactly all I need. Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
If you can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report. I look forward hearing from you to resolve this concern. 

Kind Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Security National Financial Corp
State: ID

Complaint narrative:
We paid off our mortgage on our property located at on XX/XX/2021. We have received a letter indicating that our loan has been paid off but we have yet to receive, even after repeated calls to Security National Mortgage ... and promises that the closing documents/payoff packet would be sent out ... .with no results. 

Each time we speak with a customer service representative that seems to be quite helpful. They say that they are looking up our loan, and when they find the record, they look into notes ... and tell us that the information has been requested and would sent, rushed ... .etc ... .but nothing ever comes of our requests. 

I have asked if there is another phone number/manager that I can use to get this issue rectified and I am regularly told no. 

We are at a dead end at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: TX

Complaint narrative:
XXXXXXXX XXXX  collections is reporting violations to my credit report, and when I send them a certified letter, they refused to sign for it. Please see below the violations that are being reported. 

Account Name : XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX original creditor XXXX XXXX XXXX ) Account Number XXXX XXXX Violation Reported : account type listed as a collection. 
Violation Reported : account status listed as derogatory.

Violation Reported : illegally re-aged of accounts.

Violation Reported : date opened reported as of XX/XX/XXXX, and XX/XX/XXXX. 
Violation Reported : date of the last active is XX/XX/XXXX, and XX/XX/XXXX. 
Violation Reported : accounts numbers are the same and reporting different balance amounts. 
Violation Reported : original creditor refused to sign a certified letter ( copy enclosed ) These accounts are reporting inaccurate information, which makes these accounts in violation of FCRA requirements. Please see the evidence enclosed as proof of violations. Please see enclosed proof of mail, stating refusal to sign for the mail that was sent.

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 2021-06-02 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: CORELOGIC INC
State: CA

Complaint narrative:
I applied for a home mortgage today at 2 banks XXXX XXXX XXXX  and XXXX XXXX XXXX and was denied. I found out from XXXX XXXX bank that the reason was my low credit score XXXX, which they obtained from XXXX. Prior to applying for the mortgage loan, on the same day, I checked my credit scores from 3 credit reporting agencies ( XXXX XXXX, and XXXX  ). From XXXX, my credit score was XXXX. 

I called XXXX  and asked about the the discrepancy and was told that the problem is likely the third party company, CoreLogic Credco LLC ( XXXX XXXX XXXX, that reported my credit score to the bank. So I called CoreLogic Credco and after a very extensive hold, I was told by a customer service agent that the the score came from Fair Isaac ( FICO ), and there was nothing for them to fix. I then contacted XXXX XXXX about the discrepancy and was told that there was nothing that they can do and I needed to resolve the credit score discrepancy for any reconsideration of a mortgage loan and will need to submit another application.

Attached are my credit score from XXXX website, which I had to pay $ XXXXmonth subscription to obtain the credit score, indicating XXXX score and a letter from XXXX XXXX XXXX which I was able to electronically obtain, showing XXXX score and XXXX  as the source of the info. The letter also states Credco LLC as another credit info source.

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 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My service with my bank makes me feel unimaginably scare to stay with company that is supplying my checks because they seem to not want me to be calm about me cashing or receiving my benefits of having XXXX bucks a week. The last time I cashed a check or even herd from my payee I want an added by a teller more than once and consent tell until I left the bank tryna make it back home. I am a XXXX XXXX XXXX  involved with a XXXX and can't be stable with out XXXX XXXX XXXX  being my payee. I pay I get some help and get the bank investigated or even my life back safe. Thanks

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 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NY

Complaint narrative:
A unauthorized transaction through XXXX  in XX/XX/2021. Contacted pnc bank multiple times open multiple disputes tried contacting through phone mail and email and I'm constantly being ignored. None of the reps know what's they're talking about being lied to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : 02/23/2021 This is not mine. 

2. Identity ThefXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

7. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXXN Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft T XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase closed my business credit card for no reason or any warning. Can you please reinstate my account or let me reapply for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). It's due to the fact that there are irregularities in my consumer report, It's compelling and greatly damages my reputation as a consumer. I do hope that these things will be taken care of.

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 2021-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report from XXXX XXXX XXXX XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect. 

I was affected by COVID-19. Per the amendment of the FCRA with the CARES Act passed by Congress in March 2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. 

Therefore, I would ask that you please conduct a reasonable investigation on the inaccurate negative information being reported on my credit for any errors or mistakes on your end.

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 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
i have contacted discover on several occasions in the past year. i did get behind on my credit card. i spoke with a representative that said if i can get my card paid down to below my credit limit they will work with me to keep the card open. i made a large payment that brought me below my credit limit. within 2 days they closed my card after that. i contacted them and asked why and no one really had an answer other than once it closed they cant reopen it and then i was told that they got a power of attorney letter from a debt consolidation company and that was why. i fought with them for a while with no resolution. i contacted the debt resolution company and they stated they did not send them a letter. they refused to send me a copy of the letter they got. about a month ago i got a preapproved offer to reapply. i did and i got denied and the status for denial was due to a situation with another discover card. ive contacted them again. i am in the phone with them for the second time today. i have been unable to get a manager or a supervisor on the phone. they said i have to call the attorney who got my case after they closed my account. i never once got a letter from an attorney and discover was still automatically deduction payments fro my account to pay this card down. they insisted today i have to go through the attorneys office. i called the attorney they told me i have to contact and gave me the number. the woman i spoke with from there was very rude and told me she cant speak to me about anything and referred me back to discover. i found out today while speaking with a representative the letter they received was received back in 2018 and it was because i did go to a debt consolidation company but i did not include my discover and a few others. but they got this letter originally in 2018 and continued to allow me to use my card and make payments and then out of nowhere they close it using this letter as an excuse. i feel like my account was closed and not for the right reasons and now i get an preapporal offer to reapply and i was declined to to the situation with my other card. so they have no intention of being honest about why they really closed my account t and continue to send me stuff to reapply when they will not even consider giving me another card which i. turn affects my credit. i feel this company is shady and doing illegal stuff to justify closing accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: MI

Complaint narrative:
I have disputed the inaccurate late payment for XX/XX/2020 showing on 23 student loan accounts with XXXX XXXX XXXX  and each time the credit bureaus stated they have investigated the issue and come back that the late payment reporting is accurate. I now have documentation from XXXX XXXX XXXX stating this late payment that is being reported is indeed incorrect and that it should not be reporting as late. Also the balances reported are incorrect. Therefore this shows that the investigation that the credit bureaus supposedly conducted was flawed.

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 2021-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account Name : Dept. Ed XXXX. Account Number XXXX ( both accounts ) Account Name : Dept. Ed XXXX. Account Number XXXX ( both accounts ) Violation Reported : missing reporting payment dates. 
Violation Reported : reporting dates states OK, to 90 days, to OK days late.

Violation Reported : account datesXX/XX/XXXX, 90 days late.

Violation Reported : account dates, XX/XX/XXXX, no reporting.

Violation Reported : account datesXX/XX/XXXX no reporting.

Violation Reported : account dates XX/XX/XXXX no reporting.

Company response to consumer: Closed with explanation