vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
i have filed a dispute in regard to the incorrect items on my credit report... it has been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In the last week of XX/XX/2021, I received a letter from my mortgage company, XXXX, stating that my mortgage was being sold to Freedom Mortgage, and that all payments would need to be directed to the new mortgage company starting XX/XX/2021. I paid the mortgage payment to Freedom Mortgage on XX/XX/2021. When my loan was moved to Freedom Mortgage, my XXXX statement said that my escrow account balance was {$4000.00}. I checked my Freedom Mortgage statement on XX/XX/2021, and my escrow account is now at {$1400.00}. There have been no taxes, insurance, or any other payments made ( they are not currently due ). 

I called Freedom Mortgage on Tuesday, XX/XX/2021 and asked them why my escrow balance is now almost {$3000.00} lower. They put me on hold multiple times without answering my question and then hung up on me. I called again and was again put on hold. Finally they told me " a check was sent to me. '' I never received a check. They will not provide me with any further information. If a check was sent, why can't they give me a tracking number for it? 

Today, Wednesday, XX/XX/2021, I received an online message on their customer portal stating that they are going to start an investigation into my question. This still doesn't answer my question. Where is my {$2900.00}? If they really are sending me a check, why did they not send me an email, call me, or send me an online message? 

I am greatly concerned, because this is my money that has suddenly vanished. Freedom Mortgage has been awful in communicating with 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 2021-09-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the day of XX/XX/2021 I noticed that my EDD PREPAID DEBIT CARD was stolen XXXX $ dollars. It said that I had withdrew it from the atm but I had not even visited Bank of America this is to much coincidence since I had just gotten deposited money into that account from the EDD I had not really used the card for the same reason of hearing so many stores of people stealing the information on those cards. My issue is this is ridiculous how can a debit card that is supposed to be safe, they stole XXXX $ dollars in a heart beat and no one is doing anything this is money I need to pay my rent and all they are saying is oh its gon na take 90 days are they gon na pay my late fees for rent I think not Bank of America has done this with me multiple times but unfortunately this is the bank the EDD is in contract with. I just need this issue fixed I am a new mother and was counting on this money to pay rent, buy diapers etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 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: CL Holdings LLC
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Around XX/XX/2021 I logged into my account and found that it erroneously reflected that it 90+ days past due. I immediately reached out to the finance company in an effort to get this corrected. I was informed that they had recently undergone a system update which caused multiple accounts to reflect incorrect information. I was assured that this would be resolved with out any affect on my credit. Approximately a week and a half later I received a credit monitoring alert informing me that the account has reported delinquent. i have followed up multiple times both via phone and email. I was repeatedly assured that this was THEIR ERROR and would be fixed. I have not heard from Regional Acceptance. Any communication was initiated by me.I was told by someone who identified himself as a collections manager that if I would file a dispute with the credit bureau, they would see that the information was corrected. I filed a dispute and at the end of the investigation the dispute result reflected no change. They have finally corrected the issue in there system but the erroneous credit report still remains unresolved.

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 2021-09-29 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: GA

Complaint narrative:
For the past weeks I been calling TRANSUNION WITH NO HELP FROM ANYONE WHO WORKS THERE ON REMOVING THESE INQUIRIES THAT WAS NOT AUTHORIZED! I ALREADY CALLED THEM ABOUT TWO PREVIOUS INQUIRIES MONTHS AGO AND THEY DID NOTHING ABOUT IT AFTER I SENT IN PROOF!! They gave me the run around and neglected everything I said on a recorded line. They said their policy was above the law!!! I spoke with MULTIPLE reps AND THREE SUPERVISORS that was incredibly rude with no understanding and empathy what so ever! 
I did not authorize these inquiries and need them DELETED ASAP! Inquiries listed below. Its like TRANSUNION IS MAKING MONEY OF BAD CREDIT AND NOT HELPING REMOVE INCORRECT DATA!! 

XXXX XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 I provided them all information needed to them and filled they refused to DELETE THE INACCURATE 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 2021-09-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have freezes on my credit at all three reporting services because my personal information was released by Equifax in XXXX breech. 
On XX/XX/XXXX my credit freeze was removed by Equifax without my consent and someone tried to open credit accounts with my information. XXXX XXXX notified me about this. 
I contacted all of the companies that inquired and one contacted me. No credit was given in this case. 
Equifax had sent me a 10 digit code in XXXX after I froze my credit. 
In order to un-freeze my credit, I would have to call and give them that code. 
I never contacted Equifax but my credit was un-frozen. 
When I learned of this, I contacted Equifax to re-freeze my credit. 
It's an automated system now and all you really need to freeze or Un-freeze my credit is my SS # which is out there because of Equifax. 
I have placed a fraud alert at the 3 reporting services. 
Equifax freeze/un-freeze procedure does not protect my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: GA

Complaint narrative:
Thursday XX/XX/2021 I submitted all of the proper fraud documentation to all 3 credit bureaus, only bureau that took the proper action was XXXX, XXXX and Transunion completely ignored my requests and documentation that was provided.

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 2021-09-29 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: TX

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I applied for a {$15000.00} personal loan in 2019 and it was approved at a fixed 14.72 % interest rate for 60 months. The first payment was done on XX/XX/2019. My monthly payment is {$350.00}. However, the amount of interests charged is much higher than the interest stablished in the contract. Out of the {$350.00} payment, between $ XXXX {$170.00} is being applied toward interest every month. 
When I first noticed this problem on my first statement I contacted the Citizens Bank Customer Service where they explained that this irregularity was due being the first payment and it was going to be readjusted in future payments. Something that appeared nowhere in the loan documents I signed. 
I've made 25 monthly payments since then and this irregularity has not been resolved. Not just the rate is higher and irregular every month, the dollar amount the credit was going to cost me ( {$6200.00} ) has been overpaid and my balance has decreased less than {$5000.00}. 
This lender is not respecting the terms of the loan contract and it's using predatory, illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following account must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 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: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
i have filed a dispute in regard to the incorrect items on my credit report... it has been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
i have filed a dispute in regard to the incorrect items on my credit report... it has been well over 30 days and i have not received any investigation results

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 2021-09-29 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: MS

Complaint narrative:
On XX/XX/2021 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. I 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: GA

Complaint narrative:
Good morning, While observing my credit report I noticed several inquiries that I do not recognize nor were they authorized by me. This inquiries are not affiliated with any open accounts I have so if possible, I am asking for them to be removed from my credit report. The inquiries that I do not recognize or authorize are : Transunion 1. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XX/XX/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 2021-09-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
onXX/XX/XXXX I sent in a dispute requesting that they delete the public record due to incorrect reporting between the credit bureaus. I sent in proof and ask for an immediate deletion. Results came back and nothing was changed. This inaccurate reporting is wrong and goes against the law. I also have two credit reporting incorrectly XXXX XXXX XXXX. Attached is the information that is reporting incorrectly. Please help me remove this inaccurate information. Thank you.

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 2021-09-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/21 I reached out regarding inaccurate and unknown things on my credit report. To this day over 60days later The following Company ran multiple unrecognizable inquires. I need these removed. I will not wait another 60 days to receive no response because clearly im being ignored. I do not recall the following or giving authorization : Company : XXXX Dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a immediate removal.

My information was also impacted by the equifax data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-09-29 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:
I was given a subprime car loan with unfair rates and interest. Car was totaled and XXXX continued to charge me interest and monthly payment. XXXX issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but XXXX is still listed on my report in error.

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 2021-09-29 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: NC

Complaint narrative:
I was given a subprime car loan with unfair rates and interest. Car was totaled and XXXX continued to charge me interest and monthly payment. XXXX issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but XXXX is still listed on my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: NC

Complaint narrative:
I was given a subprime car loan with unfair rates and interest. Car was totaled and XXXX continued to charge me interest and monthly payment. XXXX issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but XXXX is still listed on my report in error.

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