vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a letter from debt collector file number XXXX stating that I owed {$5500.00} from the original creditor XXXX XXXX XXXX XXXX. I then call XXXX to check, but they could not find any account ending in XXXX under my name. The only account open and was close account ending in XXXX with XXXX balance.this account was open in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: Block, Inc.
State: IL

Complaint narrative:
I got a card from Cash App card in my maiden name I have not applied for a cash app card. And I haven't used my maiden name in 11 years. Someone got a cash app card in my maiden name and I'm afraid they are using it for fraudulent activities banking activities and I'm afraid someone is trying to steal my trying to steal my identity and mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
In Late XXXX or Early XXXX of 2020 and in view of the pending lockdowns I had no idea how my income from the practice of law would be impacted. As an abundance of caution I voluntarily entered the Forbearance program created by the CARES act and consistent with the GSE guidelines. By XXXX of 2020 I had concluded that the income I was receiving would likely not increase in the foreseeable future ( my conclusion was correct ) and advised Quicken/Rocket mortgage that I wanted to have my loan modified consistent with my future income and exit forbearance. After some back and forth with their employees I was advised that I would be placed into a TPP with payments of {$1900.00}. I received no formal TPP documentation. After I made the 3 payments required by the servicer a modification was ultimately offered however, without my knowledge or consent, the servicer decided to misapply my payment for XX/XX/2020 and after satisfying the interest owed with that instalment applied the balance to future interest amounts violating both the terms of the contract documents and California law on payment application as first articulated by the California Supreme Court in the Monroe v. Fohls decision. Rather than correct their error and reduce my outstanding principal balance the servicer opted to insist it's application of the funds was correct. I have since learned that the capitalization of unpaid amounts was not authorized by either the Interim Final Rule or the Final Rule regarding modifications nor was I advised of that fact until after it had taken place. Quicken/Rocket also failed to modify my loan on a go forward basis and, instead, retroactively changed figures including a backdated Escrow Analysis. While they ultimately corrected the Escrow Analysis they have continued to insist that they properly applied the XX/XX/2020 payment and capitalized unpaid amounts contrary to the provisions of the Interim Final Rule and subsequent final rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MA

Complaint narrative:
Hi have reached out multiple times to the school and loan services i have written two letters about my loan and I'm getting no help I never received my certificate from school or any help my school shut down with no noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Received letter from Barclays dated XXXX XX/XX/2021 saying they denied an application for a Wyndham Rewards credit card that I never applied for. I have called them 5 times to speak to their security/fraud team, have waited on hold for over 30 minutes every time and in one case over an hour, and have yet to get to anyone in their security team to dispute the application. I've told their customer service people about how that extension ( to their security service ) is a dead link, but there is no other contact phone number for them, and their online form you can fill out in case of fraud ( https : XXXX XXXX  ) requires an active Barclays account ( which I don't have ). 

I need help getting this hard credit pull off of 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 explanation
Consumer complaint received 2021-08-10 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 disputed inaccurate information, inquiries, as well as accounts that was not mine that have been falsely reporting on my credit reports. I addressed these items was not valid and demanded they be investigated. I also demanded that any information not validated be removed from my reports, and anything that was verified I demanded to see proof of validation within 15 days of completion of investigations. I sent all mail certified it has been over 45 days and no changes to my reports have been maid nor have there been any proof of validation. According to the FCRA section 609 these agencies are violating my rights and reporting inaccurate and incomplete information as well as information thats completely not mine. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, are the accounts falsely reporting on my reports all information is different on each credit bureau as if there are duplicate accounts. Experian refuses to remove old inaccurate name XXXX XXXX, and address XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX and follow suite with XXXX and XXXX which have already removed this name and address. Even though I informed them of potential fraud.

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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-10 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: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: SC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: SC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-10 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: AL

Complaint narrative:
Over 45 days ago I sent in a dispute to the 3 consumer reporting agencies for reporting incorrect information on my report. Because of this mistake on my report it has caused me be turned down for employment opportunities. According to what I read on your site it is the responsibility for you to protect the consumer and I dont feel that is happeneing. I ask that you hold the bureaus accountable for ignoring my request and do something to help me. This has caused stress on my marriage because I have to be able to take care of my family and I need this to be corrected as soon as possible. I have waited and waited and all I keep hearing is the 30 days well its past that so now what??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: AL

Complaint narrative:
Over 45 days ago I sent in a dispute to the 3 consumer reporting agencies for reporting incorrect information on my report. Because of this mistake on my report it has caused me be turned down for employment opportunities. According to what I read on your site it is the responsibility for you to protect the consumer and I dont feel that is happeneing. I ask that you hold the bureaus accountable for ignoring my request and do something to help me. This has caused stress on my marriage because I have to be able to take care of my family and I need this to be corrected as soon as possible. I have waited and waited and all I keep hearing is the 30 days well its past that so now what??

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 2021-08-10 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: FL

Complaint narrative:
I just check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my crredit 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 2021-08-10 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In early XX/XX/2021 I sold my lease car to a dealership I completed all the paperwork. The dealership reached out to Ally to obtain payoff amount and remitted payment. A payment in the amount of {$24000.00} was applied to the account around XX/XX/XXXX. That appeared to satisfy the balance and close the account out. Unbeknownst to me or the dealership, Ally move those funds, or reallocated those funds and debited the balance amount back to the account. No one from Ally contacted either myself or the dealership about the adjustment. A few weeks later I received an email from Ally requesting payment. I pulled up my account online and saw where the funds had been reallocated. I contacted Ally and they informed me the balance received with not the full amount needed to satisfy the loan. There had been some sort of miscalculation. I asked if they had contacted the dealership and they responded no. I asked why someone didn't contact me and I was advised that they do not have the manpower to contact either the dealership or customers and instead wait to hear from the dealer or the customer. I told them this was a poor business practice and customer experience. I advised them I would contact the dealer but that this issue should not report negatively on my credit bureaus as a missed payment as I've done everything I was instructed to do and then I was informed that they had checks and balances in place to avoid that, but in the off chance that it does it will be corrected. Consequently the dealership remitted another {$600.00} which appeared to satisfy the amount due and the balance was paid in full. I again called Ally to confirm payment and brought up the concerns about incorrect, negative reporting and was again assured it would be corrected. Several weeks later I received a letter regarding regulation XXXX, I knew something must have been reported to my credit bureaus. I checked both XXXX  and XXXX  and sure enough a delinquency was reported for the month of XX/XX/2021. I need this correction to be made immediately as I was assured this would not occur. I am in the process of refinancing my home and this has created an issue. Poor customer service.

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 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
It was an unauthorized transaction in the amount of {$530.00} that happened on XX/XX/2021 at XXXX. I filed a complaint with current and they denied my claim. Stating that I was the one who did the transaction and I was not aware of that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: OK

Complaint narrative:
I need help!! I fell behind 3 years ago after I lost my job due to my XXXX so I was without any income for a few months which is why I fell behind on my loan. Once I got approved for XXXX income, I did not make as much as I did working a wage earning job. I applied and was approved for a loan modification but with the income I made from my XXXX, I quickly fell behind again because the loan modification caused the payments to increase. After falling behind for a second time, I could not afford to catch up with the payments again. I have now been working for the past 4 months to get the Selene finance to approve a short sale and they have repeatedly rescheduled the auction date regardless of my efforts to get this settled. I have submitted ALL financial forms requested of me, a short sale application, as well as a solid offer from a buyer, the buyer 's documents, buyer 's driver license, EVERYTHING. Anything they've asked for I've sent in to them expeditiously and they are outright refusing to work with me, which I don't understand since they've sent countless packets of paperwork advising me to apply for this process. I deserve the courtesy of having them allow me to go through this process so long as I meet their requirements, which I have, but they are XXXX bent on trying to foreclose on me. I need someone to help me get through to this mortgage company so that I can move forward with a short sale. I've done everything I could to get this settled and I don't know where to turn anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: AL

Complaint narrative:
Bureau say inquiries are factual and to contact creditors directly yet fail to provide contact info for said creditors

Company response to consumer: Closed with explanation