vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Chex Systems , Inc.. PLEASE REMOVE FROM MY CREDIT REPORT 1. XXXX : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NY XXXX INQUIRY DATE XX/XX/XXXX 2. PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquiry Date 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 explanation
Consumer complaint received 2021-05-21 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: MO

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
I would like these accounts to be verified with acceptable proof that these accounts listed are indeed mines. If this proof can not be supplied, please remove these accounts. 

I would also like to receive the docs that were used to verify these accounts. 



I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : Medical Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX ADJUST Account Number : XXXX Account Name : XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have an open dispute against XXXX/Comenity Bank with XXXX. I've attempted several times to resolve this ongoing issue. XXXX/Comenity sold alleged Account # XXXX to XXXX XXXX XXXX, XXXX. In an effort to resolve this matter, I filed for private arbitration according to XXXX 's Credit Card Terms and Conditions on XX/XX/XXXX ( Case XXXX. ) On XX/XX/XXXX the XXXX XXXX XXXX closed the case because XXXX failed to respond after several attempts. To get down to the bottom of the issue, I demanded an investigation from XXXX After an investigation, on XX/XX/XXXX, XXXX ceased all collection activity on this account, closed the account and removed the trade line from all credit reporting agencies as it is invalid. The very company XXXX allegedly sold this alleged account to, agrees the account was invalid. However, XXXX/Comenity continues to report invalid information to the credit reporting agencies on my behalf and in doing so continues to violate my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: PA

Complaint narrative:
I have tried several times to contact Equifax. Either I get the general customer service and or they transfer me and I am asked questions but never get to an agent. I have spent an hour trying to get an agent and when they finally picked and I expressed my concern about their automated system they hung up on me. Her name was XXXX ( probably not her real name ). 

Also, I have disputed this information online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have alleged child support collections appearing on my credit report that should not be on my credit report at all. I addressed this with XXXX and XXXX and they have properly removed this account. Experian for whatever reason has not. In my research of this Child Support item I noticed that the law does not allow for this type of account to be listed on a credit reports at all. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports under Section 4 subsection C ( Listed below and Attached in documents ) ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

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 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Pay Pal Ref : Transaction ID - XXXX Ref : Profile # - XXXX Pay Pal is claiming I received duplicate refunds to my XXXX Visa and I owe them for one. I have told them repeatedly, I only received one, and only after I contacted Visa for not receiving the original. 
- On XX/XX/XXXX, they processed a refund of XXXX. That was NEVER credited to my credit card account. When I contacted PayPal, they said it was NOT their problem and to contact XXXX Visa. 
- On XX/XX/XXXX, after contacting XXXX Visa, I received a TEMPORARY credit of XXXX, back-dated to XX/XX/XXXX. 
- On XXXX  XXXX, XXXX Visa resolved the issue and issued a PERMANENT credit of XXXX, NOT a 2nd refund. 

I have talked to them 3 times, and sent them 3 months of my Visa statements ( 3 times ) which show the original purchase, and one refund - which THEY requested. They have ignored the statements and my explanation, and continue to call and email saying I owe them this money. 

My view is IF they paid two refunds to Visa, than that is between them and Visa. I only got the one I was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade & Associates, Inc.
State: NJ

Complaint narrative:
I faxed a debt validation request to Meade & Assoc via fax on XX/XX/2021 and have not received a response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Management Control, Inc.
State: PA

Complaint narrative:
Credit Management Control has been reporting an account on my credit forever. I have been disputing the account and after many attempts they finally sent me something. They mailed private, medical billing information, to my old address!!! They have violated my rights in accordance with HIPPA! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: KY

Complaint narrative:
I was notified by XXXX XXXX that a debt collector had place a unpaid debt to my credit reports. I had never been emailed, written mailed or called about this debt. I called the company and they admitted they did not contact me. They have stated that they will remove the negative report that they unjustly and illegally put on my credit. But have stated that it will take 5-45 days. That may just be too late. 
Company information ERC XXXX XXXX XXXX XXXX FL. 
XXXX XXXX Ticket number for my case XXXX I have never had a debt collection on my credit. I'm 15 days away from signing for my first home loan. My family and I have already given up our current home. What are we supposed to do if my loan is turned down because of ERC illegally putting this bad mark on my credit.? 
My family and myself are devastated. I am a XXXX XXXX XXXX man with a family that depends on me to provide for them. I have XXXX  XXXX XXXX and just came out of a pandemic that has made life very hard for people with XXXX  conditions This has dropped my credit score over 20 points and I'm not sure I can rebuild it fast enough to continue with my home loan. I could possibly be sue by the home seller and my family and I will be scrambling to find a place to live. 
Here 's the kicker the debt was for {$83.00} with a company that I am still a customer with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I contacted Bank of America in XXXX of 2021 to refinance two properties my primary home and a rental property. After encountering several issues with scheduling my appraisal with an appraiser for my rental property, BOA was forced to step in to have the appraiser schedule my appraisal. After encounter challenges upfront with the appraiser, I then received an appraisal that undervalued my property by over than XXXX dollars. From a review of his analysis and the pictures taken it was obvious to me that this was a deliberate attempt to impact the financial viability of my refinance. I drafted a memo outlining the inaccuracies in his appraisal as well as provided information to support a higher appraisal value. I then requested a re-evaluation of my appraisal outlining the following information for consideration : - Market Rents : Using the income approach based on my current rents the property is valued at XXXX higher than the BOA appraisal. I used the same methodology provided by the appriser and simply used the rents from my existing lease. This provided a estimated value of XXXX higher than the appraisal provided by BOA. Please note BOA 's underwriters also have a copy of my lease and tax returns to support the higher rents XXXX XXXX. The appraiser listed in his notes that the lower rents helped to justify the value of the unit. 

- Rennovations : The appraiser used properties that were not renovated as comparable properties. I provided a breakdown of the improvements and pictures to showcase the more than XXXX in improvements ( renovated bathrooms and kitchen, new hardwood floors, lighting and smart fixtures ). 

- Comparable Properties : Given the status of the market in XXXX in the XXXX neighborhood there is very little inventory on the market and most of the properties for sale are townhomes vs. condos. This makes it harder to find relevant comparable properties. On my appraisal the appraiser used comps that were located in the same building but are not strong comparables given the following differences 1 ) floor plans 2 ) improvements/ upgrades 3 ) unit features. 4 ) unit floor. All of which help to drive value for my unit which is located on the top floor and is a two-level ( spiral-up ) property versus the comps which were one level or spiral down which is less desirable. 

In addition to this information, I also provided the MLS information for a unit that matches my exact floor plan that sold at the recommended appraisal price two years ago. Since this unit was sold the market has just increased and there is no rational justification for why my unit would now sell for more than XXXX less as my property has been full renovated.

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 monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN

Complaint narrative:
At the beginning of XXXX our loan was transferred from XXXX XXXX XXXX XXXX to Rushmore Loan Management. I asked the to remove the mortgage insurance from my loan. which should have been done several years ago. i have a letter from them stating my loan to value is 70 % but they are refusing to remove the PMI it should have fallen off long ago. The readily admitted i was at 70 % LTV in the letter but said I needed to pay {$600.00} to {$1000.00} for an appraisal first. WHAT.. it was supposed to automatically fall off the loan when i got to 78 % LTV. Appraisals do not cost that much in Indiana and it is complete non sense to make a borrower pay for an appraisal when you clearly see that we are way below the LTV.. i am in the mortgage business and I know how things should work. the PMI should have been removed from my loan a long time ago and XXXX XXXX would not remove it. Our mortgage is paid up to date there is no reason to keep charging me {$50.00} a month for PMI when my LTV is less than 78 % The balance on my loan is {$130000.00} the current market value of my home is around {$240000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Freedom Mortgage Company
State: WA

Complaint narrative:
I RECENTLY REFINANCED MY HOME LOAN THAT I ONCE HAD WITH XXXX XXXX. AS WE WERE CLOSING, XXXX XXXX  FOR WHATEVER REASON SOLD MY MORTGAGE TO " FREEDOM MORTGAGE ''. MY PAYOFF CHECK GOT TO XXXX XXXX AND XXXX XXXX ACCEPTED THE PAYMENT AND CLOSED OUT THE ACCOUNT. ALL THIS HAPPENING WHILE FREEDOM MORTGAGE IS NOW TRYING TO COLLECT A MONTHLY PAYMENT FROM ME. THIS IS A COMPLETE ERROR BETWEEN XXXX XXXX AND FREEDOM MORTGAGE. I HAVE ATTACHED A COPY OF THE " CLOSING DISCLOSURE '' SHOWING PROOF THAT MY REFINANCE WENT THROUGH SUCCESSFULLY. FREEDOM MORTGAGE NEEDS TO BE DELETED FROM MY CREDIT ASAP! THIS IS A COMPLETE VIOLATION.

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 2021-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I had a loan through Bridge rest financial for a XXXX XXXX XXXX which I acuired in XXXX of XXXX. All of my payments until the last 30 days have been on time. I recently traded my vehicle in on a brand new one. Part of my financing included paying off the XXXX. I told Bridgecrest that the vehicle had been traded in and I no longer possesed the vehicle. They have been relentlesly hounding me with phone calls about their money. I've explained that the dealer would pay the vehicle off within 10 business days. This wasn't good enough for them and they continue to harass with phone calls on a daily basis! How do I make them stop calling?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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 contacted Equifax over a month ago and ask for a full disclosure credit report I still have not receive one. I don't understand why this is taking so long. I had to freeze my account do to some activity that wasnt mine and now am trying to figure this all out and getting no help from Equifax.I need my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
non-performance of the contract. 

I was preapproved for a loan and it was sent to underwriting. Navy Federal Credit Union refinance loan that was never worked on ad fell out of compliance after 6 months, I had contacted the underwriter no less than three times asking for status and was ignored. 

Then they had me sign another document after the rates had risen, and came up with unverified excuses as to why the house was not owner-occupied after they had clearly lost documents, I have documents stating during the application what was happeing in our household having two homes due to work locations. etc. 

We had proved it was a primary residence for my husband, he works in the area, filed taxes from the house, we bank in the area. 

It was basically NFCU attempting to cover up their non-performance of the contract. 
Now I am going to have to refinance and sue for about {$150000.00} plus legal fees soley because they did not do the right thing by their customer of 30 years.

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