vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm a XXXX year old female who has had credit since I was XXXX years old. I can't say that I haven't had any issues with credit, but overall, I'm not bad with credit. I pay my bills on time and if I've run into financial issues, I will work out something with my creditor. My problem is with the credit reporting agencies. I've experienced all negative reporting from them all the time. If I'm paying everything on time, my credit file will reflect old items from previous years. For example, I had 1 late payment on a vehicle, 4 years ago, with everything else on time, and my credit score, because of this 1 30 day late payment was in the 500s. To date, I've paid off 3 vehicles, 1 mortgage, have never had any issues with my student loans that I've been carry for 25 years, however, my score doesn't reflect any of this. I've experienced sexism from these agencies when my husband and I were trying to get approved for a mortgage. He had bankruptcies and repos, all kinds of bad debt ; however his score went up to over 700, mine never made it past low 600s. I know the industry is XXXX because I've seen other races with horrible credit history and scores that were very high. I guess my question is who's monitoring these agencies and their XXXX and sexist practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm a XXXX year old female who has had credit since I was XXXX years old. I can't say that I haven't had any issues with credit, but overall, I'm not bad with credit. I pay my bills on time and if I've run into financial issues, I will work out something with my creditor. My problem is with the credit reporting agencies. I've experienced all negative reporting from them all the time. If I'm paying everything on time, my credit file will reflect old items from previous years. For example, I had 1 late payment on a vehicle, 4 years ago, with everything else on time, and my credit score, because of this 1 30 day late payment was in the 500s. To date, I've paid off 3 vehicles, 1 mortgage, have never had any issues with my student loans that I've been carry for 25 years, however, my score doesn't reflect any of this. I've experienced sexism from these agencies when my husband and I were trying to get approved for a mortgage. He had bankruptcies and repos, all kinds of bad debt ; however his score went up to over 700, mine never made it past low 600s. I know the industry is racist because I've seen other races with horrible credit history and scores that were very high. I guess my question is who's monitoring these agencies and their racist and sexist practices?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: AMA Advisors, LLC.
State: GA

Complaint narrative:
I am writing to you in regards to the results of a recent dispute I submitted to XXXX. Ive made two attempts to them, offering all of the proper documentation, following the correct process in order to have a negative and unfair listing against my credit to be removed. Ive reached out to them to understand their hesitation and can not gain an understanding nor the results needed. A representative of XXXX informed me the decision to leave this on my report is in the hands of Homebridge. Ive talked with Homebridge representatives on several occasions and they insist they have nothing in their files to initiate any derogatory remarks regarding this transaction or my relationship with them as a previous customer. The simplest form of proof that I have is XXXX nor XXXX has not reported anything like this. 
In the meantime, this negative mark against my credit is causing other creditors, in which I have worked very hard to build relationships with, to suddenly cut my credit limits, some even cancelling my accounts entirely ( since a negative mortgage remark holds a lot of value ). I have lost {$6500.00} in credit limits as a direct effect of this remark from XXXX since most of my credit cards are held by XXXX XXXX who relies heavily on XXXX for accurate reporting. 
This began in XX/XX/2020 with completion of a refinance on my home loan in order to lower the interest rate on my home loan. The closing was completed XX/XX/2020. Apparently there was a shortage in the payoff from the title company to Homebridge Mortgage in the amount of {$4900.00}. I was then reported 30-days late for XX/XX/2020. XXXX XXXX XXXX was the title company in which this human error occurred. They promptly corrected the error, Homebridge closed the loan XX/XX/2020 and offered a no fault letter to me to ensure this error would not reflect on my credit reports. 
I did not have an account with Homebridge in XX/XX/2020, therefore, impossible to report this month as a 30-day late payment.

Homebridge recd a payment of {$200000.00} toward the payoff amount of $ XXXXthis amount clearly would cover the 3 day delay for XXXX mortgage payment of {$1500.00} ; regardless of the human error that occurred. 

I am pleading with you to review the supporting documentation and review this in its entirety to consider the possibility of not penalizing me for an error that was beyond my control. Please let me know if you need anything further from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: AZ

Complaint narrative:
Been reporting fraud on my credit report, a lot of unknown inquiries TransUnion fail to investigate under FRCA 1681i, Mailed my FTC fraud report in via certified mail and they still fail to investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
probably the most disorganized mortgage company i have worked with ever. I make a payment and it just sits there as unapplied funds. If i dont call in to speak to one of their account reps it will just sit there, potentially ruin my credit although i made the payment. So that happened this month and i have been trying to call all day and their phones are down. This has happened at minimum 10 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was KOHLS/CAPITAL ONE customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced 'paid in full ' account. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit reports. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
I'm being harassed by mail and phone call by Jefferson Capital Systems LLC a collection agency on a bill from XXXX a phone company that I have never used in my life. Not only are they accusing me but my father because we share the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a dispute to XXXX  and Experian letting them know that some information on my credit report was inaccurate because it was removed from XXXX. I have documents to prove that the information was removed from my XXXX. XXXX  and Experian both said the information was verified but how if it was removed from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
In XXXX of XXXX, our household refinanced our mortgage with LoanDepot. On XX/XX/XXXX, we signed up for automatic payments, and received confirmation that we were enrolled in automatic payments. On XX/XX/XXXX, I was made aware that automatic payments had not been applied, and that our credit had been negatively impacted by this. At that time, we had received no communication from LoanDepot, either in snail mail ( our first communication from them about a " past due '' debt arrived in XXXX of XXXX ) or electronically. On XX/XX/XXXX, I emailed XXXX XXXX, our representative for the loan refinance, and also disputed the report with the three credit reporting agencies. The research department then contacted me, and asked me to write and fax a letter in, which I did that day XXXX XX/XX/XXXX XXXX, and the fax was confirmed to have gone through at XXXX XXXX XXXX. As of XX/XX/XXXX, my credit score had dropped 71 points due to these shenanigans. As of XX/XX/XXXX, not only had things not been fixed, but gotten worse. I contacted XXXX again, who messaged the team, who sent a generic response about the dates and amounts paid ( getting them incorrect ), but not acknowledging the basic problem, which was that they had unenrolled us from automatic payments without notifying us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have file disputes with all three bureaus back in XXXX and I still havent heard anything from any of them. How long does this take? I know it suppose to be 30 days and it over 30 days now way over 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: CA

Complaint narrative:
I have file disputes with all three bureaus back in XXXX and I still havent heard anything from any of them. How long does this take? I know it suppose to be 30 days and it over 30 days now way over 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: CA

Complaint narrative:
I have file disputes with all three bureaus back in XXXX and I still havent heard anything from any of them. How long does this take? I know it suppose to be 30 days and it over 30 days now way over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: MI

Complaint narrative:
I receive spam email every week from Lending Tree. Clicking the unsubscribe link goes to a website that says " access denied ''. They keep emailing me and have a fake reply address on their emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Revenue service has place a collection on my credit report. I do not owe this debt. XXXX XXXX was placed on my XXXX  report on XX/XX/XXXX. I received a letter from them on XX/XX/XXXX. The letter accused me of owning Medical Revenue Service a total amount of {$410.00}. In the letter which was dated XX/XX/XXXX, stated that I had 30 day 's from receiving this notice to dispute the validity of the debt. Medical Revenue service Violated FDCPA by placing a collection on my credit report with XXXX  on XX/XX/XXXX for the amount of {$140.00} Four days after they wrote the letter without giving me the 30 day 's to dispute the validity of the debt. This act on their part has defamed my character, damaged my Exceptional credit score with XXXX  by bringing it down 63 points. This has put me under stress because of this. Medical Revenue Services has violated of my consumer rights. This is a violation of the FDCPA 15 U.S code 1692k- civil liability a violation of a XXXX.. This needs to be removed from my account immediately. I will be sending a letter to the FTC immediately! 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 2021-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On my reports there is a closed account with missed payments. BANK OF AMERICA. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account 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 explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: LA

Complaint narrative:
I received a letter from US Bank Relicard Cardholder Services in XX/XX/XXXX stating that they had conducted a review of my account and they needed additional information to verify my identity and if I didn't provide the information my card would be closed and the remaining balance would be returned to the appropriate agency, assuming this was the XXXX  XXXX XXXX. At the time I had received unemployment benefits and lost my card and did not access all of my benefits. I called US Bank upon receiving the letter and provided the necessary information needed. I was told that there was a $ XXXX balance and I would be receiving a new card in 7-10 business days. I never received that card after weeks of waiting. I called then again in XX/XX/XXXX and was told I would receive a card. After waiting for several more weeks without receiving a card, I called then again in XX/XX/XXXX. I was told I would receive a card in 7-10 business days. Throughout this whole process, I received one card ( XX/XX/XXXX ) days after my last call, which I thought was strange because I had just spoken with someone only days before that, but when I activated the card, to my dismay, I learned that there was a XXXX balance on the card. So, I called US Bank again on XX/XX/XXXX, to inquire about the XXXX balance to only be told I need to call the unemployment agency in my state to inquire about the funds. So, I decided to file this complaint after speaking with the agent because I responded to the letter I received from US Bank to handle to matter so I could get the much needed money and it is now 4 months later and nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
Please see the below timeline : XX/XX/XXXX : Initiated mortgage process with Axos Bank ( signed initial disclosures ). XXXX  closing was in XXXX. 
XX/XX/XXXX : Have had numerous delays up to this point simply because Axos employees forgot/failed to process the submitted documents. They simply don't read emails or pick up their phones. On this date, I sent a correction email to the bank because they made an error in the closing disclosures with regard to local tax escrow. This tax payment is due XX/XX/XXXX, and should have been part of the prepaid portion of the mortgage. Email communications are available at your request. 
XX/XX/XXXX : Mortgage was funded. 
XX/XX/XXXX : I received a letter from the XXXX XXXX  XXXX that the property taxes were not made. 
XX/XX/XXXX : I tried calling several numbers/sending secured message via Axos website/using online chatting services on the website. No response received. 

First, I do not want to bear late fees, because it was a failure by the bank. They should bear this fee and resolve this issue ASAP. Second, I do not want to escrow insurance and tax payments. I did not have other options because they said that rates will be higher if I opt out from escrow. Now that I see they are incapable of servicing loans, I do not wish to take my chances. LASTLY, I want the CFPB to take measures so that the bank will have capable employees to respond to these types of issues. I should not have to make complaints to the CFPB in the first place. My experience has been horrible and I do not wish anyone else to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I called XXXX to discuss a financial hardship and to question a large charge of {$1500.00} on the account. I was told there was nothing they can to do help but will escalate my inquiry and get back to me within 48 hours. Within that timeframe, not only did I not receive a call back regarding my concerns but they reported me late to the credit bureau and my score was dramatically impacted. I request my account be reviewed under the circumstances of my financial loss of significant income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: TN

Complaint narrative:
I have numerous accounts with netspend prepaid I have two accounts that were opened while I was married not joint accounts I have a savings account accumulated since 2017 I have tried to access these two older accounts but was either hung up on or put on hold for more than 30 minutes in this time I need to have all finances that I have given I am divorced with a new XXXX year old 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