vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II 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 60 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: GA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: GA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My school loans have been forgiven to due fraudulent actions and eventual school closure by XXXX XXXX. I had private loans serviced by Navient that I paid off in full but feel there is legal precendent to have these funds refunded. Navient has failed to provide proper insight or willingness to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: MidAmerica Mortgage Inc
State: OR

Complaint narrative:
My mortgage service provider ( MidAmerica Mortgage/XXXX XXXX ) continues to operate poorly in their management of my Section 184 mortgage loan. The current amount of money owned on our mortgage is {$350000.00}. However on XX/XX/XXXX we were assigned a fee of {$99000.00}. This was a large error on the part of MAM/XXXX. It took an entire MONTH ( XX/XX/XXXX ) to get this fee waived. However, because they dragged their feet on this my current credit report is showing, incorrectly, that we owe {$450000.00} because that amount is including the fee that was waived. So as a result of this negligence my current credit score has dropped 21 points. 

It is a constant struggle to have to be this hypervigilant when it comes to making sure I'm not being XXXX  by this service provider. I have to check literally every couple weeks and constantly try to email/call individuals at this organization to resolve my issues. This lack of oversight and due diligence from this group is subpar at best currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XX/XX/2020, Barclays Bank DELAWARE ( BANK ) put a Hard inquiry in my credit report for a credit card i never received. I never got accepted into the bank credit card and would like this hard inquiry removed from my credit report.

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 2021-11-12 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
Thought i had a valid Purchased a vehicle from a Local Car dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XX/XX/20 Was not aware that the Contract was Invalid do to Wrong Name on contract until I fell behind in payments do to Covid-19 and me losing one of my jobs, I contacted Lobel Financial Corp. the loan company, and spk with agent XXXX and a female who said that she was A supervisor, informed her of my hardship, said that there were not able to help me with payment plans at the time that I would need to make payments do to account status. I agreed to post a month payment and kept the arrangement, even though the payment put me in Overdraft with my bank. I wanted to Honor the arrangements, the agent then agreed to allow me 2 weeks for my next payment as I was behind. but then the Car was repo I called and asked Why, I was able to speak with the supervisor and she said that She was aware of the arrangements we made and that they needed more info. Informed that I gave them all that they asked for the assistance and it was denied and then I paid and was able to pay 2 weeks later as agreed and was not able to do to repp. this has effected my credit, I have lost my 1st time home Buyer cert of XXXX do to this hitting my credit. I would like this removed from my credit and to be compensated for defamation of who I am a person and my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
This company put this account on my credit, and the account don't below to me. 
My step mother open up an account this company, and me and my father share the same name and the company put this account on my credit and it stopping me from close on my house..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: IL

Complaint narrative:
I took the COVID XXXX forbearance for 9 months between XX/XX/XXXX and XX/XX/XXXX after losing a job due to the start of COVID restrictions in XXXX. I started a new job in XXXX of XXXX and was ready to work on the loss mitigation/modification plan for my mortgage after this time. Initially, no one would even talk about how to get the account current until XXXX year had passed from the forbearance date. Then I was asked to fill out a loss mitigation application in XXXX of XXXX to see what loan modification options were available to me. 

The loss mitigation process has been near impossible, and no end is in sight yet. This request has been going on for 5 months now, and probably a dozen or more different requests with new items requested each time. Things like bank statements, proof of hardship, explanations of deposits, tax returns, budget numbers- this list goes on and on. I send in the information requested each time, but it is definitely wearing on me and they know more about me financially than I even did at this point. 

I can not get past this process, and they say it needs to be 100 % complete to be given options to fix the account. It almost seems like harassment at this point. I continue to fill out paperwork and send things in, probably at least once a week. Then they come back with new generic documents with additional items required I have to procure. 

At the same time, the collections department is calling and threatening foreclosure on the home, even though I am working through the loss mitigation process. It is not my fault that they keep requiring additional information, and have pushed this process so long. The collections department and loss mitigation department are not connected for some reason either, so when I ask if they can reference prior discussions, they don't have that information. 

I am just trying to get some type of loan modification option so I can get my account current, whether that be the option to tag the payments to the end of the loan ( my preference ) or something else. I CAN NOT get to this point because their loss mitigation application process is a mess. And I fear they are going to try and foreclose because of how long this process is taking ( as stated earlier, over 5 months of back and forth at this point ). I am making my monthly payments now for a while, but they want to collect now on the 9 months of forbearance and I just don't have that kind of money available all at once. I thought there were rights offered to people in my situation with the CARES Act, but each time I bring that up I am ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: MI

Complaint narrative:
Our XXXX  XXXX XXXX  Acct # XXXX ( fully paid ) was totaled due an accident. XXXX of MI offered us {$21000.00}, which we agreed and paid from personal account towards new XXXX, financed by Honda Finance ( big mistake ). The only way to get hold of Honda Finance is thru phone, minimum 45 to 1+ hour wait. After trying 4 days finally got hold of customer service representative 15 days ago ; still waiting. 
Please have them overnight the lien release to the following address and email the copy to XXXX. XXXX will accept either, whichever is faster : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
Home Address listed with them : XXXX XXXX  XXXX XXXX XXXX, MI XXXX prefer business address above Sincerely, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2021 I requested an increase in the credit limit on my Wells Fargo credit card ending in XXXX. While I recognize I had recently requested an increase, since that time my financial circumstances have dramatically changed since I relocated, started my first career job after graduating from college, and purchased a condominium. On the same day, Wells Fargo issued a denial letter without considering my current credit worthiness. 

My call to Wells Fargo resulted in connecting with a representative who had no interest in helping me through the process to secure the requested increase in my cards credit limit. She never requested the information I was prepared to provide as justification for my limit request. She simply indicated I would receive a letter with a decision, a decision she knew would be a denial without the additional information I was ready to offer. She was abrupt to end our conversation. 

Had the representative shown the initiative to ask for information which supports my current request for a credit limit increase she would have learned : My credit score after taking a hit during my condo purchase process was XXXX I have equity of more than 20 % in my recently purchased condo I am fully employed earning income sufficient to qualify for the increase I requested I have a relationship with Wells Fargo beyond this credit card account Subsequent to that abbreviated conversation, Wells Fargo never initiated contact with me to secure the information I was prepared to provide to support my request for a credit limit increase. Wells Fargo simply moved ahead and denied my request. 

My complaint is Wells Fargo, following the process described above, denied my request without allowing consideration of additional information which supports my credit worthiness for such a credit limit increase. I respectfully request 1 ) the CFPB present my concerns to Wells Fargo and 2 ) Wells Fargo use information about my current credit worthiness to reconsider my request.

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 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is in regards to an account listed on my credit report as : XXXX XXXX XXXX XXXX XXXX XXXX. This alleged debt is past the statue of limitations. Experian continues to report as verified current information, This is also in regards to an improper address that is now appearing on my report as " XXXX XXXX  - XXXX, NY ". This is not a correct address and Experian will not remove. 

I received documentation from debt collection agency that shows this alleged debts original date of delinquency as XX/XX/XXXX. This alleged debt is now past the statue of limitations for collection and is now time barred. The debt collection agency no longer has the right to collect on this debt, therefore they ate no longer permitted to report this alleged debt to the credit reporting agency. The debt collection agency is also trying to report a new address of XXXX XXXX XXXX, NY Which is not a legal address and it is believed they are doing this as a form of retaliation due to them receiving a cease and desist letter from me, due to them trying to collect on a time barred debt, that is past the statue of limitations for collection. 
Documents attached.

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 2021-11-12 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2021, a purchase was made in the amount of {$51.00} on Macys credit card ( Citi Bank ). On XX/XX/2021, a tracking # was created ( XXXX ) ( USPS ) stating expected delivery date XX/XX/2021. This item shows not movement from XX/XX/2021. Notified Macys of this problem, I was told to wait 2 days, 5 days, 10 days for movement of this package ( still waiting ). I am now being told by Macys my order # cant be found in their system. A payment was made for this item on XX/XX/2021, in the amount of {$52.00}. I wound like to be reimburse for this item and to close this account. A feel they are just giving me the round around. Can you help me?

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 2021-11-12 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: IN

Complaint narrative:
I reviewed my credit reports and there is an collections account that does not belong to me i have made several calls and sent numerous letters to resolve this matter no response. The collections account is not mine and it should be removed immediately.

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 2021-11-12 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: OR

Complaint narrative:
My mortgage service provider ( XXXX XXXX XXXX ) continues to operate poorly in their management of my Section 184 mortgage loan. The current amount of money owned on our mortgage is {$350000.00}. However on XXXX we were assigned a fee of {$99000.00}. This was a large error on the part of XXXX. It took an entire MONTH ( XXXX ) to get this fee waived. However, because they dragged their feet on this my current credit report is showing, incorrectly, that we owe {$450000.00} because that amount is including the fee that was waived. So as a result of this negligence my current credit score has dropped 21 points. 

It is a constant struggle to have to be this hypervigilant when it comes to making sure I'm not being screwed by this service provider. I have to check literally every couple weeks and constantly try to email/call individuals at this organization to resolve my issues. This lack of oversight and due diligence from this group is subpar at best currently.

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 2021-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: OR

Complaint narrative:
This is the continuation of an issue related to the service fee/mortgage insurance associated with Section 184 loans. Our current mortgage loan has reached a threshold of 77.9 % LTV and the service fee/mortgage insurance for XXXX  ( {$73.00} ) should not have been withdrawn from the escrow account. The fee should not be withdrawn any longer actually due to the LTV calculation and the confirmation from HUD that the amortization schedule associated with our loan is correct due to the remove of the upfront loan fee that is applied when the loan was first generated. This not only affected my loan but all other Section 184 loan LTV calculations as well. Due to incorrect LTV calculations I am uncertain how many of these types of loans have been having escrow withdrawals that were not necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: LEXISNEXIS
State: GA

Complaint narrative:
I XXXX XXXX XXXX living man conducted an investigation of my consumer report which caused great XXXX and XXXX  on me mentally and physically when I found inaccurate, unauthorized, unverifiable and questionable items that your agency XXXX failed to make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Also in violation of 15 usc 1692e reporting false and misleading information, If you are unable to provide me a copy of verifiable proof within 15 days of your investigation, you must remove the accounts and or the information listed below. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX/XXXX  XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation