vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I applied for a new home mortgage and my credit was pulled. Equifax reported that I had fraud. The other two credit reporting agencies did not report this. On XX/XX/19 I called Equifax and was given a fax number to send info to remove the fraud and was told to wait 5-7 days. After 7 days I called again and they said they didn't have the information in there system. I again faxed the information and verified the fax went through. I waited an additional 7 days and was told the same thing. I asked if I could talk to the department who handles the faxes and a supervisor told me they don't have a phone. They also wouldn't email or try and locate the paperwork and told me to send the same information in again. I did and called today XX/XX/XXXX and they still said no update in the system and refused to try and locate the information. They told me again to send in the info and wait another 5-7 days. I did give the representative all of my personal info and he said they couldn't pull up a credit file and not that it was fraud. This is a big difference not having a credit file is different then reporting fraud on my credit report. I have been on the phone over 6 hours with them and they refuse to help me. They just keep telling me to send in the same paperwork and wait 5-7 days. Plus I was hung up on the last call I made to them which lasted 58 minutes. I am going to lose my {$1000.00} earnest deposit and my  dream home as no lender can help me because they are misreporting as fraud rather than no credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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:
XXXX, EQUIFAX AND XXXX HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.. 

ACCOUNT : XXXX XXXX XXXX NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: FL

Complaint narrative:
EXPERIAN, XXXX AND XXXX HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.. 

ACCOUNT : XXXX XXXX XXXX NOT MINE

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 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
Hello, I'm a borrower of Cross Country Mortgage at the XXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I'm a young XXXX  also in XXXX trying to buy my first house. 

Unfortunately, my mortgage application has been poorly managed by the branch above and I am about to loose a good deal on a condo in XXXX because of this. 

My case has been delayed and closing date rescheduled due to the inefficiency of the assigned underwriter. 

My case was finally assigned to a more senior underwriter today and it seems that the documents part are now cleared out. 

As of now, I still do not know if I'll have a closing by Monday or not. This delay already caused me financial loses, and the seller will not extend the closing again if I do not have a closing by Monday at the latest. 

I tried reaching out to the branch manager XXXX XXXX however the phone listed on his website does not work. 

Also, the email compliant address given by the company does not work. 

Please, if you can kindly assist with this matter it would be truly appreciated. 

Best Regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I provided XXXX XXXX of Cross Country Mortgage of XXXX, FL all of the required information needed to receive a loan estimate. When I got a loan worksheet I was disappointed and asked specifically for a LE to ensure the prices would be locked in per the CFPB requirements on prices changes. I was told that their company doesnt provide LE until the entire approval process is completed ( he specifically said close the loan ). This is against CFPB policy, a waste of my time, and predatory since they can still change the pricing all the way up to the loan closing. This is exactly the reason the rule is in place. CC Mortgage is trying to take advantage of unknowing buyers. What can be done to stop this behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: STATE FARM BANK, FSB
State: IL

Complaint narrative:
This is illegal for XXXX to report this inquiry when State Farm clearly state they have no record of this at all. The following attachments will prove XXXX will not remove this inquiry and blaming StateFarm

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: MO

Complaint narrative:
On or about XX/XX/XXXX I XXXX XXXX maiden name XXXX XXXX took out a loan with Advance America unfortunately I had an economic hardship and wasnt able to payback said loan but today per an Advance America representative they sold my acct/loan to XXXX XXXX XXXX on or about XX/XX/XXXX XXXX XXXX   XXXX on or about XX/XX/XXXX per a Representative hired XXXX XXXX to collect on said account however for the past 3 years around tax time and again today of XX/XX/XXXX another frivolous company a name you cant find anywhere called from # XXXX called stating they were attempting to collect the debt on behalf of Advance America and had my Social Security number and date of birth and amount owed I today XX/XX/XXXX called Advance America and they stated there is a scam going around so I diligently asked if they had a data breach they said NO and advised me to contact XXXX XXXX XXXX which also advised me they didnt have NO data breach and they advised me to contact XXXX XXXX who also advised me they had NO data breach. Please understand this loan being outside the Missouri Statue of Limitations of 5yrs and the Fair Credit Reporting Act of 7yrs and a clear Violation of the FDCPA otherwise known as the Fair Debt Collection Practices Act there was definitely a breach of data with one of these ( 3 ) collection companies falling back to original creditor Advance America as they admit their are scammers calling and there all aware of this occurring but unsure how or why but obviously one of them have failed to advise the FTC Federal Trade Commission of this to warn consumers! This debt is now ( void ) in that its well outside the Statue of Limitations & Fair Credit Reporting Act & one of these ( 3 ) companies violated the FDCPA and consequences should entail a Class Action Lawsuit! And or an investigation by the Missouri Attorney Generals office and or Federal review/audit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX I closed my account with US Bank at the XXXX XXXX branch in XXXX, Ohio. There were four pending transactions which I stopped payment on. The bank was to return the money that would have been paid on, but to date they have not returned the money which totalled {$540.00}. Since then my employer forwarded my direct deposit to this closed account on XX/XX/XXXX. They failed to inform my employer that the account had been closed and now my employer is trying to find where the money is at. It was not returned to their bank so they have put a tracer on it trying to find where the check got off to.

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 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: NM

Complaint narrative:
AD ASTRA RECOVERY SERVICES , INC has filed a non payment derogatory for a debt which is not mine. They claim to be representing the original creditor XXXX XXXX XXXX NM The date opened is listed as XX/XX/XXXX for a balance of {$1000.00} ; I have never contracted for any amount of money with XXXX XXXX   and certainly would not have during that time. The date reported to XXXX was XX/XX/XXXX. I had ignored all previous correspondence with XXXX   XXXX assuming that it was a phishing scam of some sort and did not want to provide them with any additional personal information or acknowledge any claimed debt. I have recently received a similar claim of an unpaid debt from another party ( not related to this instance ) and believe there has been fraudulent use of my personal information resulting in damages to my credit and subsequent unwarranted increased expense in other financial matters. I would like to see copies of any contractual agreements signed by me. XXXX XXXX filed the same derogatory claim of unpaid debt with XXXX which I promptly disputed. I was notified via email that the dispute had been resolved but was unable to access the outcome on the internet interface. After multiple failed attempts I called the support telephone number as recommended on their website and their customer service representative was also unable to access the dispute records. Worst service I have ever seen, can't understand why any financial institution would use their credit reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am XXXX   XXXX the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX filed an eviction against me and my family after refusing to accept the rent for that month.Saying that we did not pay rent the month before.I sent in the rent receipt to courts proving they lied, they said no rent payment for present month sent in copy of money order in which they refused to accept and full rent amount.instead they demand the keys we forward all proof to courts in our response to eviction answer the Judge only ruled us to vacate property we didn't turn money into court register because they wanted keys and us to vacate The judge did not rule any funds owed to XXXX and closed the book on that no open judgements owing them anything. they kept our {$1400.00} deposit. we lived in a badly molded home which we should've never been there to began with never missed a month paying rent. Now they have their collection company Hunters Warfield harassing our credit reports for $ XXXX and the judge did not rule us to pay no $ amount to them. I have called the Clerk of Courts to see if they had anything that was ruled by the Judge for  us to pay and they says no nothing at all and the final Judgement is closed. we also forward the courts a copy of the emails sent to us from the property manager was demanding the keys over the money order for rent that month then they filed eviction saying we did not pay our rent they should have stated the truth that they didn't accept the rent money order. they had no reason to have treated us this way we feel very discriminated against and now harassed for $ XXXX dollars by their collectors Hunters Warfield and for what? We forwarded documented proof to the judge.so where is the open judgement of owing $ XXXX on our records? There is none Exactly we are being discriminated against why?? There was no reason for them not to except our rent payment why did we have to be treated so differently and still is with Hunter Warfield reporting to our credit reports. then lied to evictions courts 100 percent. still being discriminated against through Hunter Warfield this is so senseless. but we will get justice served by all legal means necessary. ( smile )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I CHECK MY CREDIT SCORE AND SAW SO MANY INQUIRES THAT I DONT KNOW AND DIDN'T AUTHORIES IT. I TRY CALLING THE COMPANY FROM WHERE THE INQUIRE WAS COMING FROM THEY TOLD ME THAT THEY DONT KNOW HOW IT END UP ON MY CREDIT CAUSE. THAT THEY CAN'T REMOVE IT BECAUSE THEY DON'T HAVE ANY INFORMATION OF MINE. THAT I HAVE TO CONTACT THE CFPB THEY MIGHT HELP. DATES FROM XX/XX/XXXX THROUGH XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On my first complaint to Comenity Capital Bank they provide a response stating that the because the application was fraudulently submitted and that they would contact the credit bureau to have the inquiries removed. Then on my second complaint I asked Comenity Capital bank to contact the credit bureaus but they replied that they cant find the applications of the inquiries that I am talking about. The inquiries are Comenitycapital/XXXX  inquiry date is XX/XX/2018 and Comenitycapital/XXXX  inquiry date XX/XX/2018. Comenity Capital bank has asked me for the correspondence that the bank sent to me and that is what I am including with this third complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
In XXXX of XXXX I purchased {$6200.00} on my Home Depot consumer credit card with a promotional offer of 24 months no interest. At the time, I had a balance of {$1700.00} originally purchased on XX/XX/XXXX ( original amount {$2400.00} ) due on XX/XX/XXXX All of the purchases in XXXX were erroneously put on a 6 month interest free promotion. I was told " Don't worry about that, it will get changed, but it could take 3 billing cycles to show ''. 
Beginning in XX/XX/XXXX, my payments were being applied to the " Earliest terminating promotion '', which was a balance of {$950.00} applied to my account on XX/XX/XXXX. This was supposed to be part of the 24 month promotional purchase. In subsequent months, they continued to apply my payments to the balances that had not been correctly moved to a 24 month promotion. Between XX/XX/XXXX and XXXX of XXXX, I made {$2800.00} in payments, which more than satisfied the balance due by XX/XX/XXXX if {$1700.00}, however, because they applied the payments to the incorrect balances, they never applied payments to that promotional balance. Subsequently, they charged me {$1500.00} in deferred interest in XXXX of XXXX, and moved the erroneous balance to a revolving balance which accrues at the rate of 25.99 % In all, I was charged {$1900.00} in interest in XXXX and an additional {$140.00} in XXXX Despite being told repeatedly it would be fixed, nothing has happened. 

The mistake was clearly theirs, however they are refusing to credit my account the interest that never should have been charged. How can this be legal? 

I have attached 4 statements : XX/XX/XXXX showing the purchases and previous balance XX/XX/XXXX showing the interest charged XXXX showing total interest charged in XXXX XX/XX/XXXX showing interest charged in 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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX  AND EXQUIFAX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX  XXXX  XXXX-NOT MINE XXXX/-NOT MINE XXXX  XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX  XXXX/XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX  XXXX -NOT MINE XXXX -NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, TRANSUNION AND XXXX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX XXXX XXXX-NOT MINE XXXX/-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX & XXXX XXXXNOT MINE XXXX -NOT MINE

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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN, XXXX AND XXXX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX XXXX XXXX-NOT MINE XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX/XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX  XXXX -NOT MINE XXXX -NOT MINE

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 2019-07-25 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: CORELOGIC INC
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am self employed the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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