vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hi CFPB, I have my current mortgage of my primary residence with Citizen 's bank. My original loan was with XXXX XXXX Mortgage XXXX and the loan was later bought by Citizen 's Bank. In XX/XX/2021, I got an email from Citizen 's bank saying I am eligible for lower interest rate if I refinance the current loan. As the letter was genuine and from the bank where my current loan is, I contacted a loan XXXX whose contact information was on the letter. She initiated the refinance process by initiating credit check and requested for all my documents ( recent pay checks, immigration documents, my investment property mortgage information, home insurance information, bank statements etc. ). I mentioned to them from the very beginning to let me know if there are any pre-conditions that I need to be aware of for successful execution of this refinance process. Regardless, bank started asking me to do few things for me to be able to get the better interest rate. To emphasize, these conditions are not the letter they sent me and they didn't tell me all conditions at one. Below are the conditions they asked me to fulfil one after one : 1 ) Open a checking account with Citizens and have a monthly deposit- I complied 2 ) Pay my current loan with Citizens Bank with the checking account opened at Citizens- I compiled 3 ) Include home insurance in escrow - I refused as I currently pay by myself and not from escrow. I escalated to this with the bank and agreed they will drop this condition 4 ) Paid for house XXXX and spent lot time sending and resending the requested documents After all this and XXXX  months after the process started, I am now being told that I do not have XXXX XXXX  and can't move forward my application. I am on legal visa ( XXXX ) and my previous re-finances with other bank didn't deny my loan due to my XXXX status. 

I feel that this is marketing strategy where they made me open checking account with them, waited for 6 months and now saying my re-finance application didn't meet their conditions. I request XXXX to look into Citizens ' bank practices. 

Thank you for all you do Concerned Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date Updated : XX/XX/2016 XXXX XXXX XXXX XXXX  Date Updated : XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: NC

Complaint narrative:
I recently got a copy of my Experian credit report and notice Experian is reporting inaccurate information in my credit file. i filed a dispute with XXXX  and I contacted Experian Fraud team explaining that XXXX XXXX XXXX is reporting in my credit file a debt Balance of {$580.00}, but they are sending me a letter saying i owe a debt Balance of {$580.00}, this information is confusing, although i do not owe this debt and never done business with XXXX XXXX XXXX, from my understanding information reported in my credit file must be 100 % accurate and complete if not it needs to be deleted. 

I've never done business with XXXX XXXX XXXX and they are sending me different amounts then they are Reporting to Experian. 

Experian is the only agency reporting XXXX XXXX XXXX XXXX and XXXX are not reporting any debt with XXXX XXXX XXXX XXXX XXXX XXXX also sent me a Photoshopped document with XXXX XXXX header pasted on it. although i've never done business with either it still shows a different amount then what they are reporting. 

XXXX XXXX XXXX  took my current address off of a dispute letter and switched it with the one thats tied to the debt that do not belong to me, then they sent me a letter and added my current address to that debt.

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 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
Credence Resource Manage at XXXX XXXX XXXX XXXX, XXXX Texas, XXXX has been sending me collection notices in the amount of XXXX. The collection has been listed as past due. I do not know this company. I have never done business with this company. This compliant does not have a contract with my signature on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: FL

Complaint narrative:
Under FCRA law the investigations took more than XXXX days and I haven't been notified of any results of the 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 2021-12-07 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: FL

Complaint narrative:
Under FCRA law the investigations took more than XXXX days and I haven't been notified of any results of the 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 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX ) has repeatedly flagged the same debt as a Collection on my credit report. XXXX  times thus far ( XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX ) treating each as its own collection. After calling them to request a mail copy of the debt and calling to pay the debt ( {$260.00} per flagged records ) they stated there are actually XXXX ( XXXX ) collections ( XXXX from XXXX and XXXX from XXXX ) and will not honor the {$260.00} fee wanted {$290.00} for each.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: MS

Complaint narrative:
I filled a complaint with CFPD two months ago Case # XXXX. This issue is with a mortgage that was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX 
Amount & XXXX. XXXX has sent a letter to all 3 credit reporting company earlier this month. This info is still reported twice on my credit report. I need this corrected asap I have made several call but nothing has change.

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 2021-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX XXXX XXXX XXXXXXXX to have the inquiry removed from my XXXX  account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021, XXXX, XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone has my Social Security Number and they are applying for loans and credit cards. Please freeze all my XXXX credit bureu accounts

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 2021-12-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA
State: VA

Complaint narrative:
FedLoan was servicing the Loan and did not respond to my claims that the loan should be discharged. 
The school misled me in getting the loan and there was a school admissions scandal that I ended in the prosecution of admin members. Fed loan informed me the loan must be moved out of delinquent status to submit dispute. 
I then submitted the borrows defense form- FedLoan then transfers the loan to department of education and left the negative reports on my credit. - they kept referring me back to my school or department of education. 

- I requested all statements of payments from XXXXXXXX XXXX to prove the account should be removed from my credit report. I was told twice i would receive the documents and never did. 
- Fedloan transfered the loan and there for should not report it on my credit report as the same debt was being reported by two separate collectors. Fedloan and Department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: NC

Complaint narrative:
XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XX/XX/2021 XXXXT XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 These are all the company names and dispute dates. I called the companies that are reporting these inquiries and nothing has been done. They are still on my account and I also dont have anything connecting myself to these inquiries. 

Its reporting on all 3 of the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: U.S. BANCORP
State: CA

Complaint narrative:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and US Bank XXXX XXXX to have the inquiry removed from my XXXX account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
Continental Fin Co showed up on my credit report, I have never heard of them. The report claims I have a balance of {$330.00} with a credit limit of {$300.00}. I never applied for this credit and I certainly never charged {$330.00}. I would be aware. XXXX claims to have investigated and feel it is accurate and I contacted the company but after they took my information I never heard from them again. This is not mine and it is adversely affecting my credit. I need it removed. I dont even know the account number because I never opened the 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 2021-12-08 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: LEXISNEXIS
State: MN

Complaint narrative:
Lexisnexis I want to first or foremost warn you that myself and  XXXX are in legal Ligation aka lawsuit. You should not be interfering in any pending legal matters. Number one your violating a court order and legal matter! Number two your violating the FCRA for improper use of my credit report I have never asked you to  conduct any investigation on behalf of myself XXXX  XXXX or anyone I came to you directly and only you! I have reached out XXXX  XXXX and their attorney after receiving notice of a change to the XXXX credit report! Awaiting their response! Lexisnexis If their attorney or them come back and make one mention of your name making any changes to the credit report I will be left with no choice but to bring legal action against you! This is unlawful and very unprofessional on your behalf! I have attached proof via the CFPB that you were the only one who did this and I demand you to remove the information from XXXX until after trial! Would be the right and best thing that you could do! Or face the serious consequences! I have also attached the letter that you sent via US mail stating that you contacted XXXX and this information will be used against you! I will always notify the courts and my attorney letting them know that a 3rd party vendor lexisnexis has interfered in a pending legal court Proceedings!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: MI

Complaint narrative:
All three ( 3 ) CRAs are continuing to run my disputes regarding the inaccurate information supplied by XXXX through the XXXX  automated system, which simply updates data n credit files without verifying the accuracy of the information supplied by the data-furnisher. 

This process does not ensure the accuracy of the information and ignores the submitted documents, leaving the investigatory operations and document review entirely on the data-furnisher. 

That is, the CRAs are not conducting an independent investigation that evaluates the documents submitted. Submitted documentation is thus discarded by the CRAs in favor of " trusting '' the informatino supplied by the data-furnisher. 

The CRAs are supposed to conduct thourougha dn impartial evaluations of ALL documentation submited with a dispute and to conduct their investigation that reviews the documents submitted. By ignoring the documentation, or leaving it to the data-furnishers to inspect the validity of supplied documents, the CRAs are violating basic principles of due process -- it harms consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: MI

Complaint narrative:
All three ( 3 ) CRAs are continuing to run my disputes regarding the inaccurate information supplied by XXXX through the XXXX  automated system, which simply updates data n credit files without verifying the accuracy of the information supplied by the data-furnisher. 

This process does not ensure the accuracy of the information and ignores the submitted documents, leaving the investigatory operations and document review entirely on the data-furnisher. 

That is, the CRAs are not conducting an independent investigation that evaluates the documents submitted. Submitted documentation is thus discarded by the CRAs in favor of " trusting '' the informatino supplied by the data-furnisher. 

The CRAs are supposed to conduct thourougha dn impartial evaluations of ALL documentation submited with a dispute and to conduct their investigation that reviews the documents submitted. By ignoring the documentation, or leaving it to the data-furnishers to inspect the validity of supplied documents, the CRAs are violating basic principles of due process -- it harms consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: MI

Complaint narrative:
All three ( 3 ) CRAs are continuing to run my disputes regarding the inaccurate information supplied by XXXX through the XXXX automated system, which simply updates data n credit files without verifying the accuracy of the information supplied by the data-furnisher. 

This process does not ensure the accuracy of the information and ignores the submitted documents, leaving the investigatory operations and document review entirely on the data-furnisher. 

That is, the CRAs are not conducting an independent investigation that evaluates the documents submitted. Submitted documentation is thus discarded by the CRAs in favor of " trusting '' the informatino supplied by the data-furnisher. 

The CRAs are supposed to conduct thourougha dn impartial evaluations of ALL documentation submited with a dispute and to conduct their investigation that reviews the documents submitted. By ignoring the documentation, or leaving it to the data-furnishers to inspect the validity of supplied documents, the CRAs are violating basic principles of due process -- it harms consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 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: NJ

Complaint narrative:
I noticed multiple accounts and inquiries on my report that I do not recognize

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 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I agreed to pay the XXXX outstanding amounts owed : {$300.00} & {$640.00}. They stated that once the outstanding amount is paid they would contact the credit bureaus to have the information removed from my credit reports. Although they notified the credit bureaus that the amount owed was paid and the balance is zero. They failed to have the negative report removed from the account. I was told initially they would remove the items from the credit report. When I called them to resolve the issue they stated they do not remove items on credit reports. They said other collection agencies do send letters to have the negative information removed but their particular agency does not. I found this misleading in telling me they do remove negative information and learned on the backed once the outstanding amount was paid that they do not.

Company response to consumer: Closed with explanation