vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: AR

Complaint narrative:
My husband and I successfully sold our home and the mortgage was fully funded to Planet Home Lending on XX/XX/2022. We paid our mortgage every 2 weeks with an additional $ 500/month on the principal for several years. We were never late. When the house sold, the the proceeds were transferred into our account. Since that time, Planet Home XXXX has continued to debit our account {$940.00} on XX/XX/2022. I called them to have them stop as well as to return the monies that are owed as well as escrow funds. They ensured that we would not be charged again, yet we received another bill today for {$1800.00} for XXXX mortgage for a home that we no longer own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had late payments on XXXX of XXXX and XXXX of XXXX due to me being hospitalized for XXXX XXXXXXXX the previous month before making it impossible for me to make the payments on time for both instances. I reached out to XXXX  XXXX bank and informed them of the situation and they said that is understandable and can remove it or stop reporting it as late but I need to file a dispute with the credit bureaus. I did this to no avail, in fact, each time I dispute it they close it with in XXXX with no seeming investigation.

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 2022-02-19 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: NE

Complaint narrative:
Hello, my name is XXXX XXXX and I have new and updated information about Experian XXXX XXXX XXXX. I have recently submitted a complaint about Experian along with exhibits proving inaccurate reporting on my consumer report. I have exercised my right to dispute these inaccurate reporting however I have been receiving updated notifications that Experian is still reporting inaccurate information. 

I am now exercising my rights to receive any correspondences regarding any dispute and my consumer file from Experian XXXX XXXX XXXX electronically through the CFPB and no other form. 

This is regarding any dispute sent through the CFPB as well the correspondence sent through mail that was received on XX/XX/2022. Please see attached green receipt as exhibit.

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 2022-02-19 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: FL

Complaint narrative:
When i called the credit bureau ask can i have a copy of my credit File ( not my report ). I was told it would be sent to me and i never receive it. This was over 30 days ago. I would like to know why i havent received it. If this suppose to be my credit FILE why I cant have a copy of my FILE. This goes against my consumer right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When i called the credit bureau ask can i have a copy of my credit File ( not my report ). I was told it would be sent to me and i never receive it. This was over 30 days ago. I would like to know why i havent received it. If this suppose to be my credit FILE why I cant have a copy of my FILE. This goes against my consumer right.

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 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I called American Express on XX/XX/22 to close my account. I was told my card was canceled but future transactions would be paid. I stated that is not what I wanted. I wanted my account closed with no future transactions. They said this was not their policy and would not honor my request. 
I received a callback from XXXX, a supervisor, who again stated my account would not be closed according to my request. Future transactions would be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
We have submitted all the information requested for our loan modification. ( This is my second complaint ). We sent what they said we were missing when they responded to our last complaint.

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 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I just discovered today that I C Systems XXXX has placed a derogatory account on my credit report that is not mine. The debt came from a medical facility, XXXX XXXX XXXX. I have never taken a pet to that hospital for any reason or any services. By law businesses and the credit bureau are supposed to verify and validate any information they add to a consumer 's account. No one from this establishment has ever contacted me to verify If I am the person this debit belongs to. Ive recently added a fraud alert on my account due to my social number being exposed. Seems someone has compromised my personal 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 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I got a response stating that this item was verified on XX/XX/XXXX. I submitted another dispute letter, XXXX XXXX XXXX, on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I also asked for this account to be reinvestigated within XXXX days. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report on XX/XX/XXXX. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX Places Apts ) 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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a mortgage with XXXX XXXX Bank and was in good standing until I got a forebearance in XX/XX/XXXX after the pandemic began. I was given 18 months of grace. In XXXX of XXXX, I applied for a loan modification as one of my options for how to come out of the forebearance. They said the review process would generate a new loan agreement with a new monthly amount due. 
They started the paperwork and told me I would have a new mortgage payment deal set up in 2-4 weeks. 
In XXXX, when I had not heard back, I called in and was told that they were backed up and that it would take another 2 weeks. 
In XXXX, they told me my loan was still under review and that I would be receiving papers in the mail. 
In XXXX of XXXX, I called again, and again I was told my loan was under review, but this time, I was also directed to the XXXX XXXX XXXX where I could track my case. 
I saw no evidence of this on the site, but their representatives confirmed AGAIN in XXXX that they were reviewing my case. 
XX/XX/XXXX, I asked again for a response and was told that my case was still under review. 
Today ( XX/XX/XXXX ) I learned that I have been reported as being 180 days late on my payments! 
I have screenshots of this exchange. I have asked over and over again if I ought to make any payments and was told that this would complicate the review process. I have constantly asked if this review process was going to negatively affect me and they ALL confirmed that my records clearly show that I am in process for a mortgage adjustment plan. Now, my credit score has dropped XXXX points and I have been marked for delinquent payments!

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 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2022 I wrote to Equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that Equifax reply within a reasonable amount of time. 

Since this is my second request, I am notifying you that I have signed receipts for letters sent to Equifax and Equifax have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : Under 15 U.S. code 1681b - Permissible purposes of consumer reports 1 ) In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX, never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 
( Concerning account XXXX XXXX XXXXXXXX ( XXXX XXXX  ) and XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX  ) XXXX XXXX XXXX XXXX I also understand that Equifax is required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. Because they have not done so please have them remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MI

Complaint narrative:
I have submitted several disputes and even reached out to the CEO of XXXX XXXX XXXX regarding 2 accounts listed on my credit report. I was a victim of identity theft, filed a ftc identity theft report and faxed it to XXXX only ro be told the ftc report is invalid. XXXX refuses to tell me how the ftc report is invalid and refuses to remive the 2 accounts. I have sought legal help but also need these accounts remived because they are ruining my life and credit file. XXXX also are reporting the incorrect court for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MI

Complaint narrative:
This account still shows on my credit report with an incorrect balance. The collection agency was supposed to have the account deleted from my credit file after paying the settlement amount. It has not and was recently disputed XX/XX/2022 and remained as verified which is incorrect.

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 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
First I tried to go online to activate the debit card I received in the mail that did not work. 

I went to the ATM to activate the card and the pin I have used for years suddenly does not work. 

I tried then to go to the store to activate the card and make a purchase with and without the pin and it did not work. I have been humiliated in front of the whole Perspective XXXX Temple Community as my perspective temple is across the street from the store and the bank that all this happened in.

My credit score has gone down XXXX points since these issues with this card started happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: NJ

Complaint narrative:
I received a copy of my credit report and found some serious violations of the FCRA. It is illegal for the original creditor which is XXXX XXXX XXXX XXXX to Re-age a negative account that has been closed for years!!! This Account has been re-aged from the original first last date of delinquency and closed date!!! This account was closed and reopened without any consent or notified to me. This a serious matter and violation of the Fair Credit Reporting Act. I'm not playing with this erroneous errors on my credit report and will not allow you to violate my rights as a consumer. I am also filing a complaint with the Federal Trade Commission. XXXX Account XXXX : XXXX Please delete and remove from my credit report immediately. 

In addition. Every bureau is reporting a different date of last activity for this account. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Every bureau is reporting a different date of last activity for this account. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. Every bureau is reporting a different date of last activity for this account. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-02-19 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I reported fraudulent charges made to my account on XX/XX/22 when I received my monthly statement showing charges at a location in Singapore. I immediately called my card holder, Avant and advised the charges were fraudulent. 

I asked that the card be closed and that the charges be removed. Avant advised they would send me a new card and refer my report to their " investigation '' unit. 

A week later I followed up and the charges had not been removed and no statement had been added to my online account that I was disputing the charges and they were fraudulent. 

I then followed up with XXXX separate emails and a written letter to Avant asking that the charges be removed or disputed and advising them of my rights under the Fair Debt Collection Act, Credit Reporting Act and other consumer protection laws to dispute the fraudulent charges and not have to pay them while they were in dispute. 

Avant has refused to place these charges in dispute and has reported my new " balance '' to my credit reporting agency causing my credit score to drop XXXX ' points ( prior to this I had a XXXX balance on the card ). 

I have asked to speak with a supervisor and was told one would call me within 24 hours. That was a week ago and to date no one has called me. 

I believe Avant is intentionally delaying its so called " investigation '' to force me to pay for these fraudulent charges before my payment due date or have a late payment reported to my credit bureau causing my score to drop again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I originally went to the emergency room for a medical issue. I spoke to the admissions nurse and decided to go to my regular doctor for treatment however the emergency room charged me for treatment that was never administered. They can not verify the condition I had, the doctor who supposedly treated me nor the prognosis for the future, therefore it is impossible that they treated me as they claim or they would know these details because they would be in my patient records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This account still shows on my credit report with an incorrect balance. The collection agency was supposed to have the account deleted from my credit file after paying the settlement amount. It has not and was recently disputed XX/XX/2022 and remained as verified which is incorrect.

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 2022-02-19 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: Grain Technology, Inc.
State: FL

Complaint narrative:
I OPENED A GRAIN CREDIT ACCOUNT BACK IN XXXX OF XXXX AND HAD VERY GOOD CONSISTENT PAYMENT HISTORY UP UNTIL XXXX AND  XXXX XXXX  XXXX ( NOT MY FAULT AT ALL ) THE COMPANIES SYSTEM ( XXXX  ) ALWAYSHAS PROBLEMS WITH DISCONNECTING CUSTOMERS BANK ACCOUNTS, SO UNBEKNOWST TO ME MY ACCOUNT HAD BEEN DISCONNECTED ATLEAST 3 TIMES IN WHICH I WOULD ALWAYS TRY TO CONNECT THE ACCOUNT AND HAVE EVEN GONE AS FAR AS TRYING TO CALL THE COMPANIES CUSTOMER SERVICE LINE, NO ONE EVER ANSWERS THE PHONE ( ( XXXX ) XXXX ) SO I TRIED EMAILING THE COMAPANY AND WAS FINALLY ABLE TO SPEAK WITH A LADY NAMED XXXX ( HER EMAIL IS : XXXXXXXX XXXX XXXX ) I SPOKE WITH HER ON XX/XX/XXXX AND STATED MY CASE AND AFTER OUR COMMUNICATION SHE STATED THAT SHE WOULD RECTIFY MY ACCOUNT BY CREDITING THE ACCOUNT BECAUSE I LET HER KNOW THAT THE LATE PAYMENTS WERE NOT MY FAULT! WELL TO THIS DAY THE LATE PAYMENTS ARE STILL REPORTING ON MY CREDIT IN WHICH OUTSIDE OF THIS CASE I HAVE A PERFECT PAYMENT HISTORY AND NO COLLECTIONS, I HAVE DISPUTED THIS ACCOUNT ON NUMEROUS OCCASIONS AND GRAIN WILL NOT RESPOND TO ANY OF MY DISPUTES NOR HAVE THEY SENT ANY PHYSICAL DOCUMENTS VIA THE MAIL. I AM VERY DISSAPOINTED AND IM SURE THIS IS A VIOLATION OF MY RIGHTS. PLEASE HELP FIX THIS ISSUE IVE SENT DISPUTES TO ALL 3 MAJOR CREDIT REPORTING AGENCIES AND TO GRAIN ON NUMEROUS OCCASIONS IN WHICH I ATTACHED DOCUMENTS BELOW AND HAVE YET TO RECEIVE ANY FORM OF COMMUNICATION WHATSOEVER!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$54.00} XXXX XXXX XXXX  : XXXX -- -> : {$260.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief