vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: NY

Complaint narrative:
I was late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. XXXXXXXX XXXX XXXX my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. 

On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed XXXX XXXX XXXX  about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.

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 2021-06-02 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:
Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but both have refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but both have refuses to stop reporting. Please investigate and help me resolve this issue. There is no way XXXX willing to pay a debt that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: TX

Complaint narrative:
Upon reviewing a copy of my credit report I found items that are reported incorrect and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: IL

Complaint narrative:
I have contacted TransUnion several times explaining that incorrect information is being reported in my name. I have never filed for Bankruptcy, this should be deleted along with the accounts that you did not delete with my last dispute for XXXX XXXX & XXXX. They are the only remaining accounts that you did not delete as you deleted & blocked the other accounts as I asked in the last request. I have sent information along with a letter from the courts saying that they do not verify or report to any credit bureau. Please delete this information this is my third request and you keep deleting a few accounts at a time instead of all at one time. Please delete these 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 2021-06-02 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: NY

Complaint narrative:
I am writing to XXXX XXXX and transunion because my rights have been violated under Federal law. Understand that if these accounts are not removed from my report immediately, I will have to take legal action.

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 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Despite living exclusively in the United States for over 8 years now bank of America keeps sending me threatening notices requesting update in my residency documents because I am a citizen of XXXX. They once refused to accept the document I provided ( simply because it was not in their list of accepted documents ) and put a freeze on my saving and checking account forcing me to close my account with them. I still hold an old credit line with them and the letters keep coming like clockwork with a very short deadline ( few days ) for document submission and they threaten to freeze my access to the credit cards. This has happened over the past 8 years continuously even though I have a clear source of salary from my job which I completely use for my everyday living in the US. I had zero overseas purchase or anything that can be remotely related to a sanctioned country. I kept my legal residence here in the US for all these years and haven't even left the country since my initial arrival in XXXX 

This is a textbook violation of the federal equal credit opportunity act which prohibits creditors from discriminating against credit applicant son the basis of national origin. 

I am working with 4 other creditors and banks in the US and and unlike what they claim, BOA is the only institution that has this unreasonable and discriminatory policy.

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 2021-06-02 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: CA

Complaint narrative:
XXXX XXXX bill collection from XXXX continues to be changed to other collection accounts such as XXXX XXXX XXXX who has changed the date multiple times. This debt was originally disputed and removed by XXXX  and XXXX  but still reappears as another collection. The newest date shows XXXX which is false.

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 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
My mortgage was transferred between 2 servicers. XXXX/themoneysource sold our loan to XXXX. 

XXXX and monthly payment collections during the process was very unclear. Correspondence from XXXX/TMS specified a XX/XX/21 effective date. XXXX specified a XX/XX/21 effective date. Both servicers required a XXXX payment. 

I want my second XXXX payment back and I want these companies to substantially improve their communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Sunlight Financial LLC
State: CA

Complaint narrative:
I met spoke with a sales person from XXXX on XXXX XX/XX/2021 to obtain a quote for Solar panel installation. At no point was it discussed that I required a loan as I intend to purchase outright. When the sales person asked to confirm my social security number I questioned him on why that was needed. I advised I did not want any loans or any enquiries made on my file. He assured me it was for an identity check and to ensure I own the property. 

I was alerted by XXXX on XXXX XX/XX/2021 about 2 new credit enquiries. 
- XXXX XXXX XXXX - XXXX XXXX XXXX I spoke with the sales person immediately. He advised that he wasnt sure why his team had done that and assure me he didnt request any loans for me. Ive spoken with XXXX 3 more times in the past 2 weeks but Im still yet to get a response other than were looking into it. 

On XXXX, I spoke to XXXX and placed a fraud block on my account. They advised that someone would call me to discuss the enquiries but Im yet to receive a call. 

I attempted to call the numbers provided by XXXX for the 2 companies responsible and they went to an IVR that didnt allow me to get to an operator. 

I found the numbers online for Sunlight Financial who operate the XXXX XXXX XXXX and XXXX XXXX XXXX loan program and they confirmed that XXXX had submitted loan requests on my behalf. I requested that this be investigated and reversed as I had not requested any loan or authorized my credit report to be shared with any lender. The operator said they would investigate the issue and get back to me. I did not get a return call so I called them again a week later and I was advised that my account was noted with the information but it hasnt been dealt with yet. I requested that it be escalated but as of today I still have not received any update or return call.

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 2021-06-02 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: TX

Complaint narrative:
Upon reviewing a copy of my credit report I found accounts that are reported incorrectly and inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NY

Complaint narrative:
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MN

Complaint narrative:
I took out a mortgage with XXXX Mortgage in XX/XX/XXXX. The monthly payment is {$1300.00}. I have been paying $ XXXX monthly since the start of the loan with no issues. XXXX  sold the loan to Flagstar Bank in XX/XX/XXXX. I continued to make $ XXXX  monthly payments. The first payment on XX/XX/XXXX the split to make a {$1300.00} payment for XXXX and a {$1300.00} for XXXX. The residual was applied {$230.00} was applied to principal in XXXX. I made a {$3000.00} payment on the XX/XX/XXXX for XXXX and all of it was applied to the loan principle. I called XXXXlagstar when I noticed this and asked that they apply all of the {$3000.00} to the first of the month payment. I was told the interest worked out the same as if the entire {$3000.00} was applied the the current month payment. In fact, by breaking up the payment as they did, I paid an additional {$4.00} in interest. This pattern continued with the {$3000.00} payment made on XX/XX/XXXX with the payment split to pay XXXX and XXXX. Another call and request to apply the entire {$3000.00} to the current month payment and to reimburse me the interest over charge. The issue has not been resolved with 2 more calls. I have been given a list of reasons why they can't seem to fix this problem. On or about XX/XX/XXXX, on a call with a loan representative, she recommended I split the payment in XXXX and make a payment at the XXXX of the month and an equal payment in the middle of the month. I did that and sent a letter to the Flagstar corporate headquarters. Since then, they have tried to partially correct the problem an in doing so, They took the XXXX payment to resolve the XXXX issue and sent me a leeter stating I was in arrears on my XXXX payment and charged me a {$69.00} late fee on XX/XX/XXXX. I was told this was reversed on XX/XX/XXXX, but I see no evidence of that in my current account transaction summary. They have my total payments so far correct, the interest is about {$8.00} high and the mortgage principle relfect the additional {$69.00}. I have attached a copy of the letter I sent to Flagstar Corporate headquarters. It includes a spread sheet with what I expected the bank to do with my payments and how they actually applied my payments. My most recent call XXXX XX/XX/XXXX ) ended with a statement that they have trouble with bill pay from other banks and a promise to " try '' to fix the problem even though they generally can only go back 2 months XXXX not acceptable ).

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 2021-06-02 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:
I am a victim of identity theft. Over 30 days ago I submitted my police report to Experian and requested that fraudulent accounts be blocked from my credit report pursuant to the Fair Credit Reporting Act - Section 605B. Some were and some were not. The fraud accounts were blocked from the other bureaus. They are detailed in the credit report ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, & XXXX XXXX that was again uploaded to their website with hopes that this time they be investigated and removed as they are fraudulent.

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 2021-06-02 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: PA

Complaint narrative:
I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX bill collection from XXXX continues to be changed to other collection accounts such as XXXX XXXX XXXX who has changed the date multiple times. This debt was originally disputed and removed by Equifax and XXXX but still reappears as another collection. The newest date shows XXXX which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
In XXXX, an account was opened for XXXX XXXX. The account was paid and a balance of {$490.00} was charged off, but bought by another company- Calvary Portfolio Service . This company is reporting the debt as a new account and it has stopped me from moving to an apartment for a new job. 

In XXXX a catscan was given by XXXX XXXX and my results was not reported to me. I later found out that I had a XXXX XXXX. In XXXX, I had a XXXX and was rushed to XXXX XXXX XXXX XXXX. The XXXX affected my XXXX and XXXX. I suffer from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and other health issues. I am currently seeing a therapist ( XXXX XXXX XXXX for the XXXX and XXXX XXXX 

These XXXX companies are preventing me from moving to another state for a job offer, because they keep reporting the default credit as new. I am at my wits end and do not want to get back in a depressive state. I am already in debt with student loans that were used to get my XXXX degree and pay for living neccesities for my children at the time. ( XXXX - XXXX ). 

I am supposed to start a XXXX position in XXXX, but can not find a living arrangement due to XXXX XXXX and Calvary Portfolio reporting my charged off credit as new. 

I need help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: NC

Complaint narrative:
I find it very disturbing that this consumer reporting agency is reporting inaccurate information on my consumer report. I am very knowledgeable of my consumer rights and they have violated me in numerous ways. They have ignored my disputes. Ive been sending letters and contacting by phone since XX/XX/2021 and they still havent resolved this problem. They are in violation to federal law. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Due to them violating my consumer rights If these items arent removed asap I will have to file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
Upon reviewing my credit file I have noticed a company named Amsher Collection Services has been fraudulently reporting to my credit file. I have never done business with that company nor have they ever contacted me about this alleged debt. Please remove this from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: General Information Services, Inc
State: WA

Complaint narrative:
After applying for XXXX XXXX XXXX I was notified my consideration would not go further due to findings of driving abstract furnished by GIS included was a copy of that report. There were six negative mark 's. I disputed all but one. Three days later I received in the mail, the results of the investigation. This contained a driving abstract three times worse, containing outdated, more than fifteen years, information multiple offense 's inaccurately along with a statement claiming that I declined the disputed. This is not true. This time the report came from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation