vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There is one account that is a student loan and this is not mine I have been disputing this with the bureaus for months now I need this off my credit since it does not belong to me!!! 

XXXX - Acct # XXXX XXXX {$140000.00}

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 2021-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have applied for a {$15000.00} auto loan with schools first credit union. They originally asked for my paycheck stubs and after furnishing them they ask for other paper work like my 1040 schedule c and a schedule one, which is so new the phone agent didn't even know what it was. So, how am I suppose to have this document. They are making it almost impossible for me to get a loan. I believe I'm being racially profile and not getting equal treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I took out a Private school loan with My XXXX XXXX  ( aka XXXX XXXX XXXX ) back in XXXX. At that time I was at the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. Please note this school has changed its name to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. In XXXX I transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I am presently enrolled. A few years ago, I noticed that XXXX XXXX XXXX ( AES ) the loan servicer erroneously reported to all the credit bureaus that this student had begun making repayments on this private loan and then stopped. This resulted in XXXX issuing another false report to all the credit bureaus that this student had DEFAULTED on his loan payments and as a result, he has missed several payment deadlines. This is the crux of the problem because when you review the Credit Report ( CR ) of this student one will see that all of his student loans, both private and federal have been placed in deferment until graduation on XX/XX/XXXX. 
Interestingly, XXXX is the only servicer who has engaged in this type of unprofessional conduct. When I brought this to their attention a few months ago, they sent me a deferment form to fill out and return with a copy of school 'Enrollment Verification ' ( EV ) which was done about a month ago. Then two days after receiving the completed deferment form and EV -- -they issued a letter of denial stating among other things that I no longer qualify for deferment even though I have never left school and still in school. This 'Dirty ' tactic of reporting me as being in default is negatively affecting my CR and this reporting of false information needs to STOP.

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 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: OK

Complaint narrative:
The CBE Group INC-Former at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I have been working with AmeriHome Mortgage since XX/XX/2021 to figure out why my mortgage payments have been raised substantially. They told me in XXXX that my account was being investigated and that my account would not be penalized in any way in the meantime. I have another complaint about that issue with your organization that is still pending. 

This complaint is about AmeriHome continuously calling me regarding a debt collection over this mortgage. I informed both XXXX XXXX ( AVP, Customer Experience Office of the President ) and XXXX XXXX in writing about this harassing behavior. They call during work hours, they call in the early morning. They leave long rambling messages that fill up my voicemail. 

XXXX XXXX did not reply to my notification of the harassment and XXXX XXXX said there was nothing she would do to stop it. 

I have also written several times to XXXX XXXX and XXXX XXXX that I want any and all exchanges with AmeriHome to be in written form due to the lack of follow through or institutional memory on my case. 

This is harassment. I am actively working with this company and have pursued relentlessly getting answers regarding my case. All delays have been from the side of AmeriHome. They are threatening my credit score and my home. This predatory and harassing behavior needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Scheduled monthly credit card payment at XXXX XXXX  XXXX for XX/XX/XXXX. Chase added Mortgage payment to credit card online statement but instructions very unclear. In fact instruction was lengthy questionnaire for mortgage payment ca. {$840.00} due XX/XX/XXXX on refinancing of previous mortgage with XXXX XXXX since XXXX. Switched to Chase upon receipt of unsolicited refinance offer received in XXXX XXXX mistake. 
Closed on Chase mortgage loan mid-XXXX  and told initial monthly payment due XX/XX/XXXX. When we closed in midXXXX or months earlier we told closing officer for Chase to debit our XXXX XXXX account for monthly mortgage payment of {$840.00} beginning XX/XX/XXXX. 
Instead our XXXX credit card online statement added Mortgage payment due XX/XX/XXXX. But Chase instruction XX/XX/XXXX very unclear. Told us to go to Accounts and access external? and when we did there was no external accounts to access. Plus access denied both username + password on second attempt. Waited till end of day and still denied access to Chase on-line. Might add same thing happened with CFPB as asked to sign-in and received similar response : username and password denied. We are in our 70s and this is hard on us. Hope you can help us. XXXX XXXX XXXX XXXX, XXXX XXXX AR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I disputed my XXXX credit card account with XXXX  and directly with Synchrony Bank. XXXX is stating that this account has been verified with the company but Synchrony bank is saying that they are reporting accurate information to Transunion and if I have any issues to contact XXXX. This account with XXXX account # XXXX was opened on XX/XX/2014 and was paid in full. This account was never included in a bankruptcy. Furthermore I have asked XXXX to provide me with verifiable information of what the furnisher ( Synchrony Bank ) sent to them as evidence that the information is correct and a description of the investigation procedures used to verify my account. XXXX has not provided me with that information and all Synchrony bank provided me with is the attached letter which is vague and putting the onus on XXXX. As per Section 609, I am entitled to see the source of the information.

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 2021-04-27 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
GMAC had our mortgage our home was paid off in XXXX. We worked for XXXX transfered in XXXX our transfer monies was used for house we actually mortgaged XXXX GMAC did a piggyback for XXXX which they were to get when our transfer money was paid which was done in XX/XX/XXXX now we sold our home didn't realize no lein release closing is holding XXXX of our monies on the XXXX website it show 3 inactive. we have 1 release attempting to get other 2 no success contacted Bankruptcy court out of New York attorney General in Pennsylvania, Missouri, XXXX ( only autos ) we are hitting brickwalls everywhere we go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: WA

Complaint narrative:
I sent certified letters to XXXX, XXXX  and Transunion post marked XX/XX/2021 and received return receipt on XX/XX/2021 regarding the validity of 4 accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received a response from any of the credit reporting agencies, these items should be removed immediately Best regards,

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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened a XXXX account in XXXX, one purchase was made but no payments were ever made. The account was closed and charged off. It was then sold to XXXX XXXX XXXX XX/XX/XXXX. I have attempted to contact XXXX XXXX XXXX XXXX via mail and phone through all identification available on credit reports and have received no contact back by mail and when I speak to someone on the phone they either can not pull my account up or are unable to give information and direct me to their mailing address. When I contacted XXXXXXXX XXXX  they responded that they had returned the debt back to the original creditor and any complaints should be handled directly with XXXX. There is incorrect information being reported and then validated with the credit bureaus and I want the report removed as it has now reached beyond the seven year window to be reported. I have disputed multiple times and this company continues to validate that the information is correct.

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Please see attached complaint under my current name, I'm using my old name since this is what you recognize. In addition to my repeating the same material to get you to respond to that complaint, I need you to update my name to my current and maiden name, XXXX XXXX. You were absolutely wrong to reject the last complaint, I had given you my address and social. I will be giving a full account number and social with this complaint. FYI your past XXXX XXXX XXXX XXXX IS XXXX XXXX XXXX XXXX In addition : I have used the Home Depot credit card for over 20 years in like all of my credit items I am never late for any cost due. I am a terrific client for them. It was XXXX XXXX and it was shown to me that on my XXXX credit report that I missed a payment on my credit report and I was surprised. In reality I never received the bill because I had moved during several months of which I never made a purchase and had left it a XXXX balance. I never needed to worry or consider the fact that I moved and had put on mail forwarding. Because of this, Home Depot said that they would not incur incur a late charge or a late notice on my credit report and Ive asked them to remove it and its not working out too well. They said theyd remove it at in store and on phone discussions. Out of good faith and the fact that they sent it to the wrong place and I never knew of the charge not being handled effectively, not even online because I dont have an online account, we all thought it was invalid and it shouldnt be on the report. But its still on there. AS AN UPDATE, you didn't even mail it to the right person, I changed my name years ago. It's no wonder mail forwarding didn't work and I got no notice of the charges

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 2021-04-27 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is recording a late payment from XX/XX/2019 on my account ending in XXXX. Ive called multiple times regarding this late payment appearing on my credit report to have it removed because its inaccurate & erroneous. They first told me it would be removed, then they told me it wouldnt be. I asked for an investigation regarding a phone call I had with one of their representatives who assured me that it wouldnt be recorded because of a discover error locking my username. However it has been recorded on my report for several years. Ive been reassured that it would be removed several times. It has not. Recently I spoke with them and they said its verified and theres nothing thats reporting inaccurately. They refuse an investigation into the phone call because they dont keep recordings over 12 months. So they refuse to prove that it was their error & refuse to rectify my credit report due to their mistake. Ive asked multiple times for an investigation, they have not provided any paperwork regarding an investigation. Ive pushed them on the phone to get something more definitive but they constantly hang up. It has been more than 45 days since Ive received anything written.

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 2021-04-27 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: FL

Complaint narrative:
XXXX is recording a late payment from XX/XX/2019 on my account ending in XXXX. Ive called multiple times regarding this late payment appearing on my credit report to have it removed because its inaccurate & erroneous. They first told me it would be removed, then they told me it wouldnt be. I asked for an investigation regarding a phone call I had with one of their representatives who assured me that it wouldnt be recorded because of a discover error locking my username. However it has been recorded on my report for several years. Ive been reassured that it would be removed several times. It has not. Recently I spoke with them and they said its verified and theres nothing thats reporting inaccurately. They refuse an investigation into the phone call because they dont keep recordings over 12 months. So they refuse to prove that it was their error & refuse to rectify my credit report due to their mistake. Ive asked multiple times for an investigation, they have not provided any paperwork regarding an investigation. Ive pushed them on the phone to get something more definitive but they constantly hang up. It has been more than 45 days since Ive received anything written.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is recording a late payment from XX/XX/2019 on my account ending in XXXX. Ive called multiple times regarding this late payment appearing on my credit report to have it removed because its inaccurate & erroneous. They first told me it would be removed, then they told me it wouldnt be. I asked for an investigation regarding a phone call I had with one of their representatives who assured me that it wouldnt be recorded because of a discover error locking my username. However it has been recorded on my report for several years. Ive been reassured that it would be removed several times. It has not. Recently I spoke with them and they said its verified and theres nothing thats reporting inaccurately. They refuse an investigation into the phone call because they dont keep recordings over 12 months. So they refuse to prove that it was their error & refuse to rectify my credit report due to their mistake. Ive asked multiple times for an investigation, they have not provided any paperwork regarding an investigation. Ive pushed them on the phone to get something more definitive but they constantly hang up. It has been more than 45 days since Ive received anything written.

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 2021-04-27 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: CA

Complaint narrative:
My Equifax credit report apparently had a FREEZE on it. I never ordered a freeze on it, so I asked them to lift the freeze. They said I needed to mail in two forms of ID. I mailed in the two forms of ID to the address they indicated on their letter. I did this in XXXX of XXXX 
I then received a letter in early XXXX which was the same letter asking me to send in two forms of ID. I did the same thing again and mailed it into them.

I just received another letter that is the same as the last two asking that I send in two more forms of ID to the same address. Calling them resolves nothing. 

This is a total waste of my time and I want my Equifax credit account UNFROZEN. This is not a big deal and should be easy to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TN

Complaint narrative:
Hello I have been contacting this company Equifax, XXXX  AND XXXX for the past 7 months about this account on my credit report. 7 months and NOONE has gotten back to me. The reporting of those accounts violates USC 15 1681 b ( g ) 3. Medical information being released is violating my consumer rights. Please investigate this and remove it from my credit report asap im tired of waiting on responses in the mail that NEVER COME. The accounts are as follows below. They violated MULTIPLE laws thats I can sue for and I have the proof. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation