vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In 2013 a Home Equity Line of Credit was transferred to Specialized Loan Servicing. Since 2013 payments to SLS has been made, not all on time, but in good faith. Since 2013 SLS has been reporting to the credit bureaus as a collections account. The account was part of the housing crisis and the interest rate was adjusted. Payments have been paid for almost 9 years and the status has not changed. SLS sent a 1099C for the 2013 tax year. We did not request the cancellation of debt. Since the cancellation SLS has taken upon themselves to continue to report it as a collections account. I have requested several times for a copy of the note to reflect the status of the account, additional research to resolve the issue and for my own records. I have disputed the account on several occasions and still have not had a clear understanding why this account reflects as a collections account. It is not right or appropriate that SLS is hindering my ability to repair my credit for 30 years.. Please help

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 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX have refused to send me my overage escrow refund in the amount of XXXX. 
XXXX XXXX XXXX XXXX even sent me an email with false information where they alleged the refund was sent in XX/XX/XXXX with the escrow analysis letter. I received the letter but not the refund check. 

I have contacted XXXX XXXX XXXX over the phone just to be told it can take 7-10 business days for the check to arrived. They said it was sent XXXX XXXX which contradicts the original email I received stating it was sent on the escrow analysis in XX/XX/XXXX. 

I also have sent multiple emails by secure messages and XXXX XXXX XXXX have ignored all of them since XXXX XXXX. 

I am requesting from CPFB to step in and have XXXX XXXX  XXXX pay me my refund escrow since I am a XXXX XXXX XXXX XXXX XXXX XXXX Veteran and not required to pay property taxes in the state of FL. 

Please have XXXX XXXX XXXX XXXX overnight this check without any further excuses. 

XXXX XXXX XXXX XXXX have the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On the morning of XX/XX/XXXX fraudulent transactions were made on my chase freedom card account. I called Chase to report the incident at XXXX EST, and spoke to a representative for 11 minutes. They closed the account, and issued me a new card. During this phone call I also received a text message from Chase fraud at XXXX stating 'a transaction for {$480.00} with my card was declined at XXXX XXXX was this you? ' I replied No. I let the representative on the call know they were still trying to use my card, and I just received a text message. At XXXX i received text messages from Chase stating my text alerts were being now sent to a different phone, and a notification of a password change to my mobile banking. I called Chase back at XXXX, and spoke to a rep who walked me through changing my username and password, and reset my alerts to be sent to my phone #. By XXXX there were more unauthorized charges to my account so I called Chase again, and was told by the representative that someone called around XXXX impersonating me and was able to get the card turned the card on. At this point I was on the call with the Chase representative for 44 minutes setting up a verbal code so in the future when calling they can verify it is me calling. By now there were 5 unauthorized transactions totaling {$1800.00}. Within the next 72 hours the charges were removed however I was re-billed for these charges on XX/XX/XXXX. From here I have been calling Chase Fraud department every morning trying to get this issue resolved. I have sent in all the documentation needed that proves my case, and have spoken to multiple supervisors. I have also been requesting to speak with a manager since XX/XX/XXXX, but have been told the manager has to call me. I informed them I can only accept calls before XXXX EST because of my work schedule, and no manager has yet to call me in that time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My phone was stolen last year around XX/XX/2021, I have not made any inquiries on credit cards or loans. On my phone that was stolen I had XXXX XXXX  and XXXX XXXX, I had it where it would auto fill my information. I need all them inquiries removed from the past year. I cant believe how many car inquiries and XXXX XXXX inquiries are on my trans union and 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 2022-01-25 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: CA

Complaint narrative:
In 2013 a Home Equity Line of Credit was transferred to XXXX XXXX XXXX. Since 2013 payments to XXXX has been made, not all on time, but in good faith. Since 2013 XXXX has been reporting to the credit bureaus as a collections account. The account was part of the housing crisis and the interest rate was adjusted. Payments have been paid for almost 9 years and the status has not changed. XXXX sent a 1099C for the 2013 tax year. We did not request the cancellation of debt. Since the cancellation XXXX has taken upon themselves to continue to report it as a collections account. I have requested several times for a copy of the note to reflect the status of the account, additional research to resolve the issue and for my own records. I have disputed the account on several occasions and still have not had a clear understanding why this account reflects as a collections account. It is not right or appropriate that XXXX is hindering my ability to repair my credit for 30 years.. Please help

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 2022-01-25 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: VA

Complaint narrative:
XXXX Bank is reporting 3 accounts on my Experian credit report that have incorrect information which leads me to believe the accounts are not mine. I have attempted to get them to delete the 3 accounts multiple times, yet they refuse. I have asked for verification of the debt, including the original application, and they have not provided it. All they do is change the balances which they allege I owe by a couple dollars, and subsequently push the reporting date out further. They stall, they manipulate and they continue to report these three accounts. 

I don't know what else to do. 

The accounts are : 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 explanation
Consumer complaint received 2022-01-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. The companies are : American Express, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX  XXXX - this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the XXXX XXXX card canceled and all information removed about it from my credit report. I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: VA

Complaint narrative:
All three major credit bureaus continue to report a bankruptcy on my credit report. The information is inaccurate and I can not get it deleted. I have attempted to dispute with the three major bureaus, they pass me to the data furnisher ( XXXX ) XXXX XXXX then passes me back to the court, the court refers me to the credit bureaus. 

It is a horrible circle and very frustrating. I just want the bankruptcy and accompanying erroneous information about me deleted. The XXXX was never filed, yet they continue to report that it was on my wife and my credit reports. 

Please help us.

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 2022-01-25 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: VA

Complaint narrative:
All three major credit bureaus continue to report a bankruptcy on my credit report. The information is inaccurate and I can not get it deleted. I have attempted to dispute with the three major bureaus, they pass me to the data furnisher ( XXXX ) XXXX XXXX then passes me back to the court, the court refers me to the credit bureaus. 

It is a horrible circle and very frustrating. I just want the bankruptcy and accompanying erroneous information about me deleted. The XXXX was never filed, yet they continue to report that it was on my wife and my credit reports. 

Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
As I was attempting to review my credit report. I noticed there was a account that shows as a charge off account that has been delinquent since XX/XX/2016, I was uncertain what this meant or what it was for. I proceeded to reach out to the company ( SEARS ) handling this account, after many hours of wait time I finally contacted the agency handling this account. However agency was unable to provide any information connecting me to this account, they could not discuss anything over the phone but did mention they can take a payment without verification as if this truly was my account. I asked for additional information mailed to be mailed out to me so I could know what this amount was for or if it even was mine! I have yet to receive any documents and this has been affecting my credit negatively for many years and I still can not receive a resolution on this matter.

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My phone was stolen last year around XX/XX/2021, I have not made any inquiries on credit cards or loans. On my phone that was stolen I had XXXX XXXX and XXXX XXXX I had it where it would auto fill my information. I need all them inquiries removed from the past year. I cant believe how many car inquiries and XXXX  XXXX inquiries are on my XXXX XXXX and 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 explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently learned that a past care provider opened accounts in my name using incorrect date of birth. I have paid on these accounts, but after freezing my credit reports when I tried to unfreeze and retrieve I learned rthat the date of birth was incorrect. I did not know at the time that the provider opened the accounts how they did this with incorrect date of birth and I have been unable to have my social security XXXX  checks deposited in a bank account in my name because the bank can not retrieve credit report with my correct information since the buruea has a different date of birth. 

Correct Dob is XX/XX/2003 card was opened by care provider before I was XXXX -not responsible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: VA

Complaint narrative:
XXXX XXXX is reporting 3 accounts on my XXXX credit report that have incorrect information which leads me to believe the accounts are not mine. I have attempted to get them to delete the 3 accounts multiple times, yet they refuse. I have asked for verification of the debt, including the original application, and they have not provided it. All they do is change the balances which they allege I owe by a couple dollars, and subsequently push the reporting date out further. They stall, they manipulate and they continue to report these three accounts.

I don't know what else to do. 

The accounts are : 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 2022-01-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX Bank is reporting 3 accounts on my XXXX credit report that have incorrect information which leads me to believe the accounts are not mine. I have attempted to get them to delete the 3 accounts multiple times, yet they refuse. I have asked for verification of the debt, including the original application, and they have not provided it. All they do is change the balances which they allege I owe by a couple dollars, and subsequently push the reporting date out further. They stall, they manipulate and they continue to report these three accounts. 

I don't know what else to do. 

The accounts are : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: WI

Complaint narrative:
I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. The companies are : XXXX XXXX, US Bank, XXXX XXXX XXXXXXXX, and XXXX XXXX - this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the XXXX XXXX card canceled and all information removed about it from my credit report. I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. The companies are : XXXX XXXX, XXXX XXXX, Bank of America, and XXXX  XXXX - this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the XXXX XXXX card canceled and all information removed about it from my credit report. I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.

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 2022-01-25 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: LEXISNEXIS
State: VA

Complaint narrative:
All three major credit bureaus continue to report a bankruptcy on my credit report. The information is inaccurate and I can not get it deleted. I have attempted to dispute with the three major bureaus, they pass me to the data furnisher ( LexisNexis ) , LN then passes me back to the court, the court refers me to the credit bureaus. 

It is a horrible circle and very frustrating. I just want the bankruptcy and accompanying erroneous information about me deleted. The XXXX was never filed, yet they continue to report that it was on my wife and my credit reports. 

Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
PURCHASED A MICROWAVE OVEN IN FALL OF XXXX  FROM HOME DEPOT. CITIBANK HOLDS THE CREDIT DEBT FOR HOME DEPOT XX/XX/2021 PAID XXXX XX/XX/2021 PAID XXXX XX/XX/2021 PAID XXXX I did not realize I had an old Home Depot account with a XXXX balance in my bill pay and made both XXXX payments to that account. I started getting calls from Citibank for this debt back in XXXX. It was constant harrassment. I was on a cruise in the Atlantic and told them that but they continued to call several times a day. 
In XXXX I spoke with a person from Customer Service and we straightened it out, so they said and waved the late fee. 
In XXXX the harrassing calls began again. Citibank wanted 2 months late fees now. I talked to " XXXX '' in Customer Service wto stated late fees were taken off because the account was paid. I asked him to close any and all Home Depot Accounts ( the old one was supposed to have been closed in XXXX ). Now in XXXX XXXX they have started again. 
I AM XXXX WITH XXXX XXXX AND STAGE XXXX XXXX. I CAN NOT HANDLE THIS STRESS.

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