vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
RE : Late payment on XXXX 2016 Late Payment .... 

Dear Manager ; I am notifying you of issues with the information on my credit report. I am curious as to how you are allowed to report this information. With a little research, I found out that I have some rights in place. This letter will serve as a formal dispute under FACTA section 312. This law gives me the right to dispute my credit information directly with you instead of dealing with the run-around that happens when someone goes to the credit bureau. Please take note that I have already dealt with the so called investigation process that the bureaus claim to have completed. Nonetheless, I now wish to exercise my rights to dispute this account directly with you.

I would like to dispute the inaccurate reporting of the above account. Please verify the following : That all balances and amounts are reporting correctly.

That all dates are reporting correctly and that any prior pay history you are reporting is correct Please remove this account from my credit report immediately! It has caused quite bit of damage. I want to point out that you are legally liable for any erroneous information as decided in XXXX vs. XXXX XXXX. This case set a legal precedent that a consumer can sue you for reporting inaccurate information on their credit report. I demand that you remove this account immediately. Should this account not be taken care of, my next step will be to file complaints with the FTC, XXXX, State Attorney General, and any other place I can think to file a complaint. I trust this matter will be handled promptly. 

Thanks for your prompt attention to my concerns, Sincerely yours, 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 2019-04-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Frustrating dispute resolution process over fraudulent charges with Citibank We have an XXXX XXXX Aadvantage Platinum Select Card with Citibank. Despite multiple calls to their Customer Service and providing the same information many times to them and their Security Operations team, we were not credited for multiple fraudulent pharmacy charges for a total amount of XXXX. Below is their text. They asked me how anyone could use my card, which was on my possession, on a chip-enabled card reader. I told them they should be the experts in cybersecurity, not me. I have, since that last call, closed my account and filed a police report. To add salt to injury, they charged me for interest on the disputed amounts after they had previously told me on the phone not to worry about the disputed charges and they sent me an email stating they had reduced my minimum payment for the month. 

" Throughout our investigation of your dispute, we found that your card, embedded with an XXXX chip, was used to make the below disputed transactions ( s ) at a chip enabled card reader. Since this card was in your possession at the time of the transaction ( s ), we don't consider this fraudulent activity and your account won't be credited for this transaction ( s ). '' Below are Sale Date - Amount - Vendor and distance from my house XX/XX/2019 - XXXX XXXX 18 miles from my house XX/XX/2019 - XXXX - XXXX 27 miles from my house XX/XX/2019 - XXXX XXXX 1.8 miles from my house XX/XX/2019 - XXXX XXXX 85 miles from my house

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 2019-04-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am contacting you about a matter of great concern to me. Recently, I found multiple mistakes on my credit report. As I understand it, I have the right to contest these items with XXXX, Experian, and XXXX XXXX ; and each bureaus is required to conduct investigations into the specified accounts. I contacted the bureaus, and requested investigation via postal-mail, on XX/XX/2019. I expected to receive a response from the bureaus within 30 days, alerting me that the accounts have either been corrected or deleted. As of today, 44 days have passed without a response, and this is unacceptable.

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 2019-04-10 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: CORELOGIC INC
State: TX

Complaint narrative:
Just find this morning XXXX XXXX inquiry was made without me known, I did authorized this inquiry, therefor I want it removed, it lower my score with XXXX by XXXX points, please removed this inquiry and I notice more inquiries that are not mine XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX I do not recognize neither and did not authorized, there for I want them removed and deleted from my XXXX and XXXX, I been working very hard to fix my credit report of all inaccuracies and unauthorized transactions, thank you this inquiries are in my XXXX and XXXX  and also 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 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: CO

Complaint narrative:
Observed on my credit report from Trans Union that the company XXXX XXXX XXXX XXXX is constantly doing unauthorized inquiries into my credit worthiness each month. Called XXXX out of XXXX TX on XX/XX/2019 to ask them to stop abusive inquiries. 

They're phone system reports 1 ) I don not have a loan open with this company 2 ) that they can not find a loan application that I have made with this company. 

When prompted I asked to be placed on hold to speak with a real live person/representative. After 5 minutes the automated system reports that no representatives are available and hangs up on me. 

My guess is that these people got my information off the web and are " considering '' offering me a debt consolidation ( personal ) loan that I have not requested or authorized and do not want. 

My efforts to stop they're inquiries into my credit are prevented intentionally by their phone system. 

This is the mark of a scam or unscrupulous company. 

- 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 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: TX

Complaint narrative:
First communication made with rep on XX/XX/19 the first representative I spoke to hung up on me before allowing me to give her new information. Second communication on the same day I was hung up on by the supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: NC

Complaint narrative:
I am contacting you about a matter of great concern to me. Recently, I found multiple mistakes on my credit report. As I understand it, I have the right to contest these items with Equifax, XXXX, and XXXX XXXX ; and each bureaus is required to conduct investigations into the specified accounts. I contacted the bureaus, and requested investigation via postal-mail, on XX/XX/2019. I expected to receive a response from the bureaus within 30 days, alerting me that the accounts have either been corrected or deleted. As of today, 44 days have passed without a response, and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: CA

Complaint narrative:
I have requested a copy of my credit report, however TransUnion has failed to provide me with a copy.

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 2019-04-10 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: CA

Complaint narrative:
one account name XXXX XXXX XXXX started reporting on my equifax credit file, and i began disputing because does not belong to me, it is a fraud account opened with out my knowledge, i have disputed this inaccuracy with equifax many times but they have been ignoring my request and not been able to resolve this issue, which is very much stressful. 
please help me to have this inaccurate and fraud account removed from my equifax credit reporting agency, and since i had been a victim of ID theft therefore, i have a police report and FTC report filed, please fin attached thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IL

Complaint narrative:
Debt was paid directly to the original debt holder. Collection agency is reporting on my credit report not the original company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
I feel that I may have become a victim of predatory lending from representatives of First Home Mortgage. I placed an offer on a home in XXXX of 2019. Although the loan was approved, I chose to rescind the offer on the home. I informed the lender, via a verbal telephone conversation, I did not want my loan over {$1800.00} per month and I required down payment assistance to put down and little cash possible. He assured me all would happen. My loan ended up being placed at one of the highest interest rates available and although I did not qualify for down payment assistance, I was never told until I questioned information that was being forwarded to me. They attempted to include a second mortgage in the form of down payment assistant and disguise it as a program. The final offer from the mortgage companies company consisted of a mortgage at a slightly lower interest rate, however they insisted on depleting my saving and attempted to have me move into a home with nothing. I filed bankruptcy over two years ago and did not want to put myself in a position to lose a home, possible go into deeper debt, ruined my credit and possible lose my job. One of the requirements of my employment is to stay in good financial standing. Although I submitted documentation supporting I could not afford the loan, the lender told me well before approval the underwriter planned to approve regardless. That they would look bad if they did not approve a loan for a XXXX women and I would have no choice but to refuse the loan and owe my realtor a 3 % commission and be sued by the home owner. I was being made to feel like I had no choice in the home purchase, refuse and be sued. The lender along with the realtor attempting to use the threat of a lawsuit to scare me into a home purchase. I was never provided a correct closing disclosure document although I requested it several times prior to the scheduled closing date. I am requesting assistants in reviewing how the loan was processed and if it should have been approved at all. The underwriter requested additional information, a budget and a statement on why I filed bankruptcy. I believe the lender used a part-time job I have worked for less than two years to qualify me. I am not confident they submitted documentation reflecting this. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern : I am hoping you can help me in this matter. I have been struggling for years with my dealing with XXXX, XXXX, and now XXXX. I only recently found out that this accounts principal is in fact still Bank of America. I was lead to believe this account was sold off in early XXXX. This is a charged off, closed collection account in the amount of {$85000.00} which first became delinquent in XXXX. My first mortgage is under a HAMP modification with XXXX XXXX and the 2nd is COUNTRYWIDE / B of A I believe there has been a been a breach of contract ( oral contract with XXXX/XXXX which was confirmed in writing ) of a settlement in the amount of {$35000.00} which was reached between myself and XXXX/XXXX. I had been making good faith payments on the settlement amount renewing the agreement and reestablishing same by setting up automatic payments in six month increments held for settlement of account.. See exhibits. When I was ready to pay lump sum due to divorce proceedings. During my recent divorce I needed to settle this account and reached out to XXXX who informed me it had been sold or transferred to XXXX. XXXX is not honoring the settlement agreement. It asked for all my information which was given and a professional valuation. Then indicated reduction of 1 % ( {$78000.00} ) or short sale. This is terrible.. I have been trying to get out from under this for 10 full years. 
FEES JUST KEEP PILING UP WITH OUT ANY MONTHLY STATEMENTS When I asked to speak to the principal or find out who was rightful party, they gave me the attached redacted document with pages missing. Now I have to sell the house. I fully expect the agreement to be honored. It was {$35000.00} I paid {$7700.00} toward it : total {$27000.00}. Remaining balance. THIS IS OVER TEN YEARS OLD IS STILL BEING REPORTED ON MY CREDIT

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 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My mortgage was transferred to Shellpoint. I repeatedly called and requested my new loan number and payment information. I finally got auto-pay set up successfully and the first payment was drawn. It draws it from an account that I do not closely monitor, and I set up the autopay on DAY 1 so that I would never be late and never have to worry about. In fact, I pay an additional $ of 200 to 2000 to the principal each month. Imagine my shock when I opened the mail today, and it is from Shell Point stating my mortgage is in default by TWO MONTHS. I called immediately. After waiting on hold for six minutes, I spoke with a representative. I explained the problem She CONFIRMED that YES she shows my account is in fact ACTIVE and on AUTOPAY and said she did not know why it was not withdrawing the funding, as everything was set up correctly. I said, okay, so please fix it because I am trying to refinance a house and and I need my XXXX and perfect credit to be dead on right now!!! She said she could NOT help me because my account was past due. I said, but you can see right there, it is on autopay. I can pay the amount but I want the autopay fixed and I want any late charges taken off and NO credit reporting. She said she had to transfer me. She transferred me where I waited on hold for another 16 minutes. THEN, it finally started ringing. And then it rang and rang and rang. I let it ring for an additional five minutes, and nobody ever answered. Being concerned I went BACK ONLINE and paid the two months. HOWEVER I want the autopay issue fixed, as they admitted it is their fault. ALSO thank goodness I could pay immediately, otherwise, I would not have even been able to pay the mortgage since I got a 20 minute run around!!! This company is garbage and it feels predatory. I always pay my mortagage on time and early and extra principal. The fact that their autopay has a glitch should not penalize me. I am concerned over my credit and the fact that this company can not even get me in touch with a PERSON to talk to and resolve my problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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:
I have made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency have reported them verified and accurate when clearly they are not Also your agency has failed to state that XXXX purchased this account from XXXX as previous account

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 2019-04-11 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: GA

Complaint narrative:
I have made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency have reported them verified and accurate when clearly they are not Also your agency  has failed to state that XXXX purchased this account from XXXX as previous account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
A group of doctors from XXXX hospital are trying to get the money from me that I keep fighting for medical malpractice in XX/XX/XXXX underneath different debt collectors.. now it was all sold to Commonwealth. The malpractice is they kept saying noting was wrong with my XXXX and yes I can get previous prove that something was wrong with me XXXX and a doctor concealed it too in his doctor office since I had the XXXX as well he admitted they messed up on my XXXX XXXX as well. XXXX XXXX. 
also here what common wealth really is a backdoor. I contacted them today XX/XX/XXXX and the guy said to bad so they don't care.also old debt from XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: GA

Complaint narrative:
I noticed that some of my accounts have not been being updated regularly and have missing payments. Please review and update all active accounts on my credit profile to assure they are accurate

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