vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My credit score is freeze for check my 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 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I was in a modification paying interest only for 10 years, I signed this modification not realizing it was interested only, just trying not to lose my home back in XXXX. The modification ended in XXXX, and the mortgage payments went from {$810.00} to {$1500.00} monthly which I have been struggling to pay since XX/XX/XXXX. I lose my job in XX/XX/XXXX because of COVID-19. I was receiving Social Security XXXX which was stopped because I made over the amount I should have in XXXX. So temporarily only received unemployment which has also stopped in Texas. Now I receive Social security XXXX. 

I have spoken to my mortgage company 21st Mortgage, to see what help was available to me, I received a modification of 2 months ' payments placed at the end of my contract in the first half of XXXX. That's all they offered me. I am currently behind for XXXX and XXXX of XXXX. 21st mortgage offers no help. I can't get refinanced because my credit score is only XXXX which was also affected by my current financial struggles. 

Do I have any options available to help me? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: MA

Complaint narrative:
Dear CRAs Mgr ; For the last few months, I been trying to remove some negative unknown, former, previous old addresses from my credit but your organization has failed to comply with my request. 

The only name, address, social security number, and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. 

This is a big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Delete!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX XXXX, MA XXXX DELETE!!!!

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 2021-08-02 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: MA

Complaint narrative:
Dear CRAs Mgr ; For the last few months, I been trying to remove some negative unknown, former, previous old addresses from my credit but your organization has failed to comply with my request. 

The only name, address, social security number, and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. 

This is a big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Delete!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX XXXX, MA XXXX DELETE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I mailed to Credit Bureaus a letter disputing inaccurate information on my credit report over a 2 months ago and in response I received a letter from Bureau stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that Bureau examine the enclosed documents more carefully this time. 
The disputed items must be investigated and negative information must be removed from my credit history. 

1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-08-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I mailed to Credit Bureaus a letter disputing inaccurate information on my credit report over a 2 months ago and in response I received a letter from Bureau stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that Bureau examine the enclosed documents more carefully this time. 
The disputed items must be investigated and negative information must be removed from my credit history. 

1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: TX

Complaint narrative:
My name, DOB, and social is being mixed with 2 other people. Ive called in to get the changes corrected however, I am unable to due to the mix up. I am being affected in my personal life, I can not get approved for a loan, apartment, or a vehicle due to these errors.

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 2021-08-02 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax, XXXX and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Accounts listed are fraudulent. Should not be reporting on my credit report. 
1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted the credit bureaus on XXXX in regards to reinvestigating the accounts that are being reported on my credit profile because they sent my a generic answer " verified ''. Under the FRCA section 609, ( a ) 1 ( A ) by law to verify the method of verification, through the physical verification of the original signed contract and all other forms, and if they can't provide these items, it must be removed. The credit bureaus has not provided me the information that I have requested. Also they are also violating my rights as a consumer under 15 U.S. Code 1692g, they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, my checking account that I've had for at least three years with Capital One Bank was frozen. I am a XXXX XXXXXXXX for XXXX. I file my taxes using my name and ssn. I applied for and was approved for the SBA Covid-19 Grant and Eidl Loan for my business. The amount frozen is approx $ XXXX. Capital One bank has since frozen the checking account and demanded that I send them my XXXX tax docs, and a bank statement showing either a tax refund or paying in taxes. 
I immediately emailed my XXXX Tax Return. I did not receive a tax refund because my AGI was negative, therefore there would be no other documentation that I would have other than perhaps a copy of

my 4506-T form. The bank says the SBA froze
my funds due to fraud? I have had numerous conversations with the SBA Tier 2 reps, and have been informed that the SBA has no issues with my grant and loan funding and that they were not aware that Capital One Bank has frozen the loan and grant proceeds. 
So this so-called fraud investigation, is something that Capital One Bank clearly is using to justify illegally seizing customer funds. Hoping to find a crime, where one does not exist. The way the bank is conducting business, is deserving of a Federal Investigation and Congressional Hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I applied for a Care Credit card in order to finance some upcoming dental work. When I added my phone number and last 4 digits of my social, an address in the XXXX of XXXX XXXX XXXXXXXX would pop up. Someone with my name who lived in " Public Housing. '' Even though I changed the address to my address in Oregon, my application was refused. I have excellent credit, do not live in NY, and keep tabs on all three major credit reporting agencies. My concern over this caused me to freeze my credit, utility history, and bank records. Also to begin a subscription to an Identity Theft company as apparently this is affecting my Social Security number. 

I called the company who said they could not provide any info regarding the refusal but that I would get a letter. I received that letter this morning saying the following : " We have received your request for a credit product with CARECREDIT issued by Synchrony Bank. 
Unfortunately, we are unable to approve your request at this time. 
Your request was denied for the following reason ( s ) : High risk source of application '' The letter suggests the recourse be to within 60 days obtain a copy of a consumer report however I am looking at all 3 agency reports with credit ratings all in the XXXX 's and no info regarding an address in the XXXX. Please help.

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 2021-08-02 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: MS

Complaint narrative:
XXXX, Experian and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
i ha disputed items on my credit report that were in accurate, several time with no results i have even got creditor involved and getting theses items removed because they are not correct. in the disputes equifax claim the verrified the info and i know thats not true because the creditor knows the info i s not right. the creditors or XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX. each has been assisting me in trying to get items removed. equifax is not properly verifing the disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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:
This account is paid off and the rep stated that it'll be updated no later than the XX/XX/XXXX. I just checked my credit report and it shows that this account is still owing {$1000.00}. Please look at the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
I applied for the loan-modification on XX/XX/XXXX. Rushmore did not process on time and sent me an other loan modification application on XXXX XXXX. I sent back signed loan modification application with all required documents on XXXX XXXX. 


At XXXX XXXX, today XX/XX/XXXX. I, XXXX XXXX, talked to Rushmore Rep. Asked to update on the loan modification application submitted on XXXX XXXX. Rep acknowledged that the complete application package was received to rushmore on XXXX XXXX, However not yet processed. I asked him to reschedule an auction and postpone tomorrow 's auction ( XX/XX/XXXX ) until reviewing my loan modification application. Rep confirmed to me he is going to talk to the concerned department to do the needful. 

I would request an extension of auction to review my loan modification package, send me reinstatement and pay off the quote. 


From XX/XX/XXXX till dateI, I called several times and left several voice mail to single point assigned on that laon Ms. XXXX on number XXXX i, But never received a response. Kindly contact me on my number XXXX Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Opened a Marriott XXXX Chase card. I am a Marriott time share owner in XXXX. Account opened in XXXX on XX/XX/XXXX Chase closed the account. I called they said they sent letter which i never recieved. In XXXX i called they said they would resend letter. And i would recieve a call back from Management. Never received call back but their records stated they tried XX/XX/27. talked with XXXX in customer service re the letter i recieved their was no reason stated. Since they are the Marriot property rewards program i have been unjustly penalized by not having use of this card. they still would not give reason for the cancellation I have other Chase cards and a XXXX credit rating. Need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
This company report information on my credit report that don't have any knowledge of this debt never done any business with this company I asked to provide me with documents showing that I have a signed contract or agreement with this company I ask them to provide me a copy of driver license and copy of social security number and provide me me information that they are license and register to do busy in the state of Tennessee they haven't provide any thing. This company isn't following the fair credit reporting laws 609

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 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Louisiana Recovery Services Inc.
State: TX

Complaint narrative:
I checked my credit report and noticed and I had a collection charge of {$400.00}. I was shocked as I always pay on time. I click on the info and noticed it was a charge from a Hospital in Louisiana. I quickly knew it was fraud. LA SVC Rec was collecting the debt. I contacted them and let them know it was fraud, I sent the required docs they request and I faxed it to them. I believe it has been removed however I need to file this for my own sake. I am a victim of identity theft, and dont want this to affect future.

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 2021-08-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ), reporting inquiries without my permission, I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation