vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a joint owner of a XXXX loan with my soon to be ex-wife. Prior to our separation, my wife unilaterally, and without my knowledge and consent, put our home mortgage and XXXX loan into forbearance using the CARES Act. On XX/XX/XXXX, my wife went into a local XXXX bank branch and changed the contact information associated with the XXXX loan, which removed my contact information, and changed all contact information to include only herself, for phone, email and an address located out of state. Since that time, she has unilaterally modified and continued the forbearance, and eventually agreed to a repayment plan once the forbearance period ended. I at no time was present or a participant in any of these decisions, nor was I notified by XXXX that these actions occurred. 

I found out in XX/XX/XXXX after getting an alert from my credit reporting agency that my credit score had dropped nearly XXXX points, that the terms of the repayment plan had not been met for the months of XXXX and XX/XX/XXXX, making my account XXXX past due. I immediately paid the past due balance and notified the bank of the issue. XXXX confirmed that I have never had a late or missing payment in my history of business with them and I also have no other accounts on my credit report showing any missed or late payments in my entire history. I officially disputed the missed payments through the proper XXXX process and was denied. 

At no point did XXXX contact me via phone, email, or traditional mail to alert me that I was my forbearance ended, that I was missing a payment or that they were trying to collect a debt. Because of the 60 day late payment reporting on my credit report, I am now unable to refinance my family home, where me and my two children live, and which I have agreed to do according to the terms of my divorce agreement. I am told by my mortgage broker that I have to wait a year until I can refinance based on this reported delinquency, which because of the terms of my divorce agreement, will require me to sell my home in the next two 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 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
I received a subpoena from XXXX XXXX Eaton Group in 2021. I cant remember the date of subpoena because it was destroyed in Hurricane Ida. It took me a days and phone calls to figure out what the debt was from. I told them I was not able to pay after not being able to work XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They refused any option of a payment plan. I sent a written reply to courthouse every time I received a letter because I did not know what else to do. XXXX XXXXXX/XX/XXXX Hurricane Ida  damaged my home and I am now XXXX in Florida XXXX XXXX XXXX  I called Eaton Group XX/XX/2021 to let them know I was XXXX in Florida and I was not able to write responses to courthouse because I cant get mail if they sent it to that address. I asked the guy on phone what will happen and he said if I dont pay I can go to jail so I asked him if I could make payment arrangements with him for monthly payments and he said his office is no longer on this case it was moved to another firm out of state. He did not give me a name for who was handing the case but he said Eaton was no longer handling it. Now I find out he lied about that, they are still the ones handling it. Also the XXXX number that was given on a letter to resolve is not a working number. I will have to send in paperwork on a later date. I am in XXXX XXXX XXXX Florida and my was is gutted paperwork was ruined with water from storm so it will be a while before I can locate any paperwork. The company hangs up phone on me when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent XXXX XXXX XXXX XXXX. 
The letter alleged a debt which i do not owe. 
This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. 
XXXX XXXX XXXX has reported the debt to the XXXX major credit bureaus without giving me an opportunity to respond within 30 days. 
As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. 
i have already sent a letter of dispute to XXXX XXXX XXXX XXXX, Transunion and XXXX and attached copies to this complaint. 
XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Transunion has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Both Transunion and XXXX are in gross violation of my rights as they have continually done in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Solar Mosaic LLC
State: PA

Complaint narrative:
On XX/XX/2021, Solar Mosaic ( Via their agencies XXXX XXXX XXXX and XXXX XXXX XXXX ) denied a subordination agreement on the debt I owe on a Solar Loan to them. The subordination agreement was in the original contract, and no where in their contract does it state that defaulting on the loan removes the ability to receive a subordination agreement for a refinance. In fact, it almost seems to imply a user is allowed to get a subordination agreement at any time, as long as they're willing to pay a {$250.00} fee. I do wish to continue paying on my solar panels, but I need this refinance to help our family money wise. To this point, XXXX, XXXX, and Solar Mosaic have chosen to play hardball and ask for a complete payoff of a $ XXXX loan which is simply not a reasonable request given the times. 

I believe Solar Mosaic is violating the terms of our agreement by not allowing subordination on the title of my property in order to achieve a refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The Transunion Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. 

XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Several attempts to challenge the correctness and completeness of only 3 items on credit bureaus have been corrected/deleted to no avail as required by FCRA. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX on all bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX Balance {$260.00} Inquiry : XXXX Inquiry XXXX XX/XX/2020 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Here is one of my lists ; XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XX/XX/2021 purchase using Amex card ending XXXX. XXXX is the merchant name. Purchase amount is {$19.00}. I disputed this through American Express and was told it was a valid purchase and that I signed up for a reacurring service. I never intended to sign up for reacurring service. I only used XXXX XXXXXXXX for a single one time purchase of postage. I feel this charge should be reversed and charged back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
The Simons Agency in XXXX XXXX called my phone in XXXX of last year and threatened to fight me after I told him don't call my phone again. Then around XXXX of this year the simons agency called me again and never even asked for my name. She stated I owed her a debt and the amount and who it was owed to without even getting confirmation of who she was speaking too. After i explained what she just did and that I would be making a complaint she then explained do what you have to cause we are suing you in court for everything you owe and getting your case together now. She still did not ask who I was yet. To this day they continue to threaten and harass me and my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
I am exercising my right to validate an alleged debt with Credit Control , LLC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX On XX/XX/2021, I mailed via USPS certified letter to Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX. In the letters, I'm REQUESTING they ( Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) provide a DETAILED AND COMPLETE AUDIT TRAIL of their alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Several attempts to challenge the correctness and completeness of only 3 items on credit bureaus have been corrected/deleted to no avail as required by FCRA. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX on all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. I have called Transunion to resolve this issue with one of their Fraud experts and they have directed me to the lenders who pulled my file and I have no need to contact any lender that did not provide me any credit and I did NOT give them permission to pull my credit so by law they must remove these fraudulent inquiries from my file immediately. 

XXXX XX/XX/2020 XXXX- XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX- XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please confirm the information shown in thIS collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. This account is still open. I am no longer indebted to this company or its practices. 


XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: NY

Complaint narrative:
I was scammed by scammers pretending to be my electric company. They tricked me into sending {$490.00} with threats to my business and account info. Neither XXXX or Key Bank will reverse the charge claiming I authorized it. Key bank uses a link to XXXX in its mobile app connected to my account so while I was tricked I assumed my money would be protected through these services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2021 I contacted Experian about a account that appears on my credit report. XXXX XXXX XXXX XXXX. I asked the representative when is this account due to come off my credit report he told me I asked can the account be removed using the early exclusion rule The representative put my on hold for a while and told me that the early exclusion was granted and the account would be removed. After logging in a few days later and seeing that the account was still there i called Experian back i spoke to a rep who could not help me so I spoke with a supervisor by the name of XXXX. He informed me regardless of what I was told the previous day that the account would not be removed. I explained to XXXX this account has been on my credit report illegally for almost 7 years and Experian is the only agency reporting this account. And that i was hoping that Experian would atleast stick to there word and remove this account using the early exclusion rule.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I just find out that I have credit on my credit report that never ever have no business with those companies call XXXX  XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX the service was start from XX/XX/XXXX to XX/XX/XXXX they account number for XXXX XXXXXXXX is Account number : XXXX Account : XXXX. 
Please please help remove this company in my credit report and also the account number for XXXX XXXX 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 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CT

Complaint narrative:
In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent Commonwealth Financial Systems Inc. 
The letter alleged a debt which i do not owe. 
This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. 
Commonwealth financial systems has reported the debt to the XXXX major credit bureaus without giving me an opportunity to respond within 30 days. 
As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. 
i have already sent a letter of dispute to commonwealth financial systems inc., XXXX and XXXX and attached copies to this complaint. 
XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Both XXXX and XXXX and Commonwealth Financial Systems are in gross violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Priority Checking with {$53000.00} on XX/XX/2021 and after 150 days I should have received {$700.00} as a promotional bonus but now after 160 days I still have not received it. I filed complaint with bank on XX/XX/2021 but they rejected my complaint. I need help in this matter.

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 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX XXXX XXXX  PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp
State: TX

Complaint narrative:
Security National Mortgage refuses to pay insurance premium although loan escrowed insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
XXXX is horrible, they sent me a letter saying I had 30 days from the date of letter in late XX/XX/2021 to verify my identity and send notarized copy of my social and ID and paycheck stub to verify my identity. I did so and was speaking with fraud department very unprofessional and uneducated about what they're talking about. Gave me the run around for a whole week. I was speaking to a rep yesterday whom said they would call me back. NEVER got a call back never got email. But today when I called they informed me that they closed my account for unknown reasons ... .This is a BIG WASTE OF TIME and messed up my business and suffered a loss and was in XXXX handling business and wasn't able to conduct business properly this is unacceptable. I just got off the phone with them and the rep lied and said I didn't summit docs I did. 
I responded back in a timely manner and no communication was given or reason of why account has been closed. 

Rep was clueless and didn't allow me to speak to a rep.

Rep also was rude and didn't help me AT ALL I lost money, but most importantly time and was stuck in XXXX thanks to XXXX. 

I sent email to XXXX XXXX XXXX as well still waiting on response.

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