vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX has stopped reporting my positive credit history to Equifax. This has caused my score to drop over 100 points. I noticed that reporting stopped in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I looked up my credit report and saw a collection from Midland Funding, LLC. I wrote them and asked them to send information verifying the debt. They have not sent this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 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: NC

Complaint narrative:
Per the fair credit reporting act, I am obligated to send a letter to my credit bureaus to dispute any incorrect information before taking any further action, which is what I did. I sent a letter to XXXX, XXXX, and Transunion stating that the information regarding a closed account being reported by XXXX XXXX is incorrect and misleading. XXXX has been reporting past due payments on a *closed account* since XXXX, XXXX. In addition to this XXXX is knowingly reporting false information to my credit bureaus since XXXX XXXX  in spite of having closed the credit card account and selling the balance to a debt collector by the name of XXXX XXXX XXXX. Per the fair credit reporting act, creditors can not report false information and it is unlawful for the aforementioned credit bureaus to allow said creditors to report false information. Per the letters I've sent documenting emails which show XXXX XXXX is in violation of the federal law, XXXX, XXXX, and Transition have decided that it isn't in their best interest to recognize the law and instead want to conspire with the creditor to ensure that the consumer ( me ) gets the short end of the stick. This will be my last and final attempt to reach a fair resolution with the credit bureaus before I pursue further legal action. XXXX XXXX has done a great deal of damage as result of reporting false information which has XXXX me out of getting a business credit card and getting approved for multiple loans. I will not tolerate this any longer.

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: CA

Complaint narrative:
I am writing as I have reinvestigated the false, fraudualent information that XXXX XXXX and Corelogic, is reporting on my credit profiles, claiming they are receiving their information from XXXX, where in fact, XXXX has denied and proven they are not reporting any of the information XXXX XXXX and Corelogic is providing to creditors. 
In my further review and investigation, I found XXXX XXXX, Corelogoc and their client is reporting false, fraudulent information under three ( 3 ) different company names, XXXX XXXX XXXX, XXXX and XXXX Management for the same property address and filing with the courts three different cases for the same case. 
I have attached my original lease agreement with XXXX XXXX XXXX and not the other companies they claim I had a lease, as well as court documents/records pulled from the Justice Court records XXXX : XXXX? XXXX on XX/XX/XXXX and again on XX/XX/XXXX. 
Both documents clearly show a timeline from XX/XX/XXXX XX/XX/XXXX where clearly the Summary Eviction was DENIED. XXXX XXXX and Corelogic is showing a JUDGMENT as of present day XX/XX/XXXX, and nowhere on any of the court documents/records state a JUDGMENT. 
Not only is XXXX XXXX and Corelogic refusing to delete/remove these inaccuracies as well as stop reporting fraudulent information that they claim they are receiving from their client and Experian but also from the XXXX XXXX, are violating my rights as a Consumer as well as violating all ethical and fair practices of the FCRA. 
Clearly the facts are in front of you, and this company continues to disregard the law not to mention disregards any ethical practices by making me the consumer a XXXX single mother, suffer to continue to not afford us of XXXX and XXXX descent a fair opportunity to secure housing.

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 2021-02-26 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: TX

Complaint narrative:
I have contacted Equifax twice a month via us postal mail for the last past year with a dispute packet, police report, FTC affidavit, notarized documentation over incorrect student loans reporting due to fraud. This is hindering my life tremendously, I have contacted the furnisher by mail, please see attached documentation! These student loans were fraudulently submitted and not opened by myself, i am seeking help to get them deleted off my report! I have contacted law enforcement reporting the fraud, submitted notarized documents, and tried calling the credit bureau via phone but no resolution has been found. I am contacting the consumer financial protection bureau for assistance! 

Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX fraudulent loan accounts reporting on my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
It is impossible to get a human on the phone with AmeriHome Mortgage Loan Servicing department. There is no feature to go straight to a human one has to wade through multiple voice menus, then when one finally gets an option to get human help, a recorded message tells you how busy and understaffed they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Dear Sir or Maam, I am a XXXX XXXX XXXX who has a XXXX XXXX XXXX Veteran with a XXXX XXXX XXXX. After decades of using credit wisely and fulfilling all my obligations by having autopayments executed. I had to switch to minimum payments due to XXXX, divorce, and identity theft. 

XX/XX/XXXX, I was finally able to pay off my PenFed credit cards with a line of credit. Unfortunately, those accounts were closed XX/XX/XXXX. 

XX/XX/XXXX, I contacted PenFed customer service to reinstate the account. They suggested I reapply to open the account, which was a credit hit, I did reapply and then it was denied. 


Over the past 16 months I have had dozens of confusing conversations with Penfed representatives. 

XXXX XXXX, XXXX Pentagon Branch Office - Requested a hold on payments XXXX XXXX, XXXX to XXXX XXXX, XXXX : VA XXXX XXXX XXXX XXXX XXXX-present Pandemic XXXX XX/XX/XXXX XX/XX/XXXX Interest Charge on Purchases XXXX XXXX XX/XX/XXXX XX/XX/XXXX Interest Charge on Cash Advances XXXX XXXX XX/XX/XXXX XX/XX/XXXX CR. CARD PAYMENT XXXX VA XXXX ID : XXXX XXXX I am reaching out to the CFPB for assistance with Penfed customer service. 
I respectfully request the 2 accounts be reopened with a {$10000.00} and {$25000.00} line ( s ) of credit. I further request all points/rewards reinstated on the cash back rewards card. I also request the {$500.00} overdraft be reinstated. 

XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX cell Pen Fed XXXX XXXX, XXXX Penfed XXXX XXXX, XXXX ( 2 ) Penfed XXXX XXXX, XXXX XX/XX/XXXXXXXX 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 2021-02-26 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: MN

Complaint narrative:
In XX/XX/2016 my account shows that it was past due. This is very inaccurate and I have contacted XXXX XXXX Bank about this late payment and I was told to call the credit bureau. I filed a dispute with the credit bureau and the inaccurate report is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 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: MN

Complaint narrative:
On XX/XX/2016 my account shows that it was 60 days past due. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with XXXX  and the inaccurate report is still being reported on 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 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XX/XX/XXXX Complaint against : Quicken Loans On XX/XX/XXXX, I made an inquiry to Quicken Loans for refinancing my mortgage. The banker ( XXXX XXXX ) said that he would look into it. Shortly right after, I received an offer from Quicken Loan for refinancing. I noticed some discrepancies I talked about it with XXXX XXXX ( banker ), this was the last email from Mr. XXXX on XX/XX/XXXX stating that he had the information to proceed. 
On XX/XX/XXXX, I received an email from the appraisal company that quicken loans selected. An appointment was set and the appraisal for which I paid under the impression that the loan was a done deal as long as the value came under Texas guidelines. The appraisal value was within the Texas guidelines. 
On XX/XX/XXXX, I received an email from XXXX XXXX requesting a call. I called XXXX just to receive the news that Quicken could not help me with the loan and she asked me for several things that were not standard. XXXX was very rude as well as her supervisor XXXX XXXX who is the Director. The attitude from both was rude, aggressive. I received another email from XXXX and then a call from XXXX XX/XX/XXXX, I received a call from XXXX XXXX giving me other reasons for denying the loan. He was very professional a complete 180 from the two previous women. 
In short, A.-they entertained my application long enough to order an appraisal. I know that is not standard procedure. I need the appraisal fees back ( {$500.00} ) B.-I never received a written explanation for the denial after they had ordered an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-02-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In the state of Tennessee theres a charge for fraud by theft i have pressed on someone Ive never met in my life. This person pretended to be a friend dear to me by using pictures videos and sounding like them to steal from me thousands. Chase has denied my claim and said that basically theyre counting it as a scam because its technically authorized. Even with the police report and investigation ongoing. I was referred to handle it through the legal system. If i cant get this resolved i will simply close my accounts with all creditors except XXXX and XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Merchants and medical are trying to collect a student debt from a local college from me the debt is less then XXXX dollars they call multiple times a day including the weekends i have spoken to them several time to explain that i do not have the money at the moment but fully intened to pay back the debt to the college directly. I habe spoken to the college about this Today they call me and I am once again explaining this very politely and then begin to question me about my employer. I tell them I am not comfortable giving out that information to which the debt collector replies that they will find out and do what they have to do on my end. I will not be able to pay a debt if i get fired after they start harassing my employer. I need help to stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: MI

Complaint narrative:
At XXXX XXXX today I was contacted by Person Calling : unintelligible They said that they were calling about a Discover credit card from XX/XX/XXXX-XX/XX/XXXX, that multiple collections agencies had tried to contact me over the matter and that they were going to sue me for XXXX dollars unless i paid them XXXX dollars. They threatened to have the papers served to my home TODAY. Then they read me my social security number and birthdate and asked me to confirm them. 

The DiscoverAccount number they provided me is : XXXX XXXX XXXX XXXX Frustrated and angry about being threatened so harshly I hung up on the lady ( XXXX ) and called Discover. They confirmed that this was in fact a scam and that i never had a credit account open with Discover. 

The information i have on the people that contacted me is : Issuing firm XXXX XXXX XXXX Refer to Case number MI XXXX They also harassed my husband while at work ( we were not married until XX/XX/XXXX, how did they get his info? ) and said that their Field agents would be dispatched to our residence as well as verified place of employment That if I dont call them today I would be in non compliance and this would be filed with courts under failed action to serve and evasion of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We have a car loan with Capital One Auto Finance. 
I requested and received an approved payment deferral for this loan due to a COVID-related job loss. 
After receiving this approved deferment, the company listed a late payment on my credit report. 
After submitting a letter to the company, they responded that their actions were accurate and no further action was necessary. 
My credit rating has dropped over XXXX points in XXXX months due to, in part, the actions of this company. 
I would like to find an acceptable resolution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TX

Complaint narrative:
The following incorrect, previously removed, address information has reappeared on Report # XXXX dated XX/XX/21 : Incorrect Addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX CT, XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX Ct, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Correct Address : XXXX XXXX XXXX, XXXX, TX 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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
As of today, XXXX XXXX, 2021, another batch of ROBO calls have been coming in to our phone. This has been going on for weeks. 

The answering machine leaves our message and the caller from ( XXXX ) XXXX hangs-up without leaving a message. 

This harassment has to stop - NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: MN

Complaint narrative:
In XX/XX/2016 my account shows that it was past due. This is very inaccurate and I have contacted XXXX XXXX XXXX about this late payment and I was told to call the credit bureau. I filed a dispute with the credit bureau and the inaccurate report is still being reported on 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