vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt Premier XXXX/ XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus. XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I have a citicard and in XX/XX/2021 we had to evacuate for Hurricane Ida. I was spammed somehow in the process of making a hotel reservation and was double charged. Immediately called the hotel and they canceled the reservation. We ended getting our power restored and did not need the hotel. I called and they confirmed both reservations were cancelled with no cancellation fee. I have documentation to prove this. Well The company that initially charged me XXXX XXXX XXXX TX has refused to refund the charge. I have proof that everything was canceled with no fee and have provided that proof. Also have an issue with the fact that Citicard says that I can go view the documents in my statement and notices and there is no document there to explain why I am responsible.

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 2021-11-12 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: FL

Complaint narrative:
I have disputed now three times with nothing back and information is still inaccurate. There are different names, addresses etc reporting on my credit and things that don't belong to me. 

What do I do for the credit agencies to fix these?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: FL

Complaint narrative:
I have disputed now three times with nothing back and information is still inaccurate. There are different names, addresses etc reporting on my credit and things that don't belong to me. 

What do I do for the credit agencies to fix these?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Collection : ( Original Creditor : XXXX XXXX ) XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: DC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding false and unknown things on my credit report. To this day it is 56 days later I have not received any response or documentation from Equifax as of yet. I feel like I'm being taken advantage of and being ignored by my disputes. Accordance to Fair Credit Reporting Act Section 611 ( a ), it is plainly stating that a failure to investigate the items within 30 business days or more gives a reason to immediately remove the item from my credit report. It has been over 30 business days so they should remove this promptly. I demand this account be deleted soon as possible or I will file for ligation due to the stress and damages you have caused me. My information was also impacted by the Equifax data breach and may have gotten to the hands of a computer or wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
AFFIRM INC CT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX To : The office of Registered Agent for AFFIRM INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association passing XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

Govern yourself accordingly By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XXXX the XXXX, XXXX, I noticed that Nation Star LL dba Mr. Cooper, took an additional {$400.00} from my account. This was done on XXXX separate occasions. I contacted customer service and was told that they purchased flood insurance on my home. I informed them that my home is not in a flood zone. The representative informed me that they received the information from FEMA, and had every right to protect the loan. I asked for the documents from FEMA stating our home was in a high risk flood zone, he said he could not provide it however, they informed me that I was sent XXXX notices that I should have responded to. I informed him that unless he had my signature showing receipt of a notice, he could not make that statement. He sent me to a supervisor the supervisor reiterated what the previous representive stated. I called back the next morning requested a supervisor. After threatening a letter from my attorney and reporting them, as was recommended by FEMA, he sent me the the Standard Flood Hazard Determination Certificate from XXXX ( attached ). Under the comments section of the report dated XX/XX/XXXX. XXXX states that the property is partially within a special flood hazard area and they were not able to identify any structures with the information provided by Mr. cooper and asked for additional information. Instead of Mr. Cooper not doing their due diligence, they purchased private flood insurance on my property at XXXX times the cost of getting it thru FEMA. And according to FEMA mapping department and the reevaluation by XXXX, our home is in zone X, meaning minimal flood hazard and no insurance is required. In addition, according to the FEMA representative FEMA does not insure raw land

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Despite the multiple previous written requests, the unverified items still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 
Item in question : Bankruptcy- XXXX I sent you notice that your process was not valid due to me going directly to the BANKRUPTCY COURT and them not being able to verify the item ( SEE ATTACHED LETTER FROM THE BANKRUPTCY COURT ). You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 
I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing a complaint with the CFPB, and XXXX against your company is this bankruptcy is not deleted from my credit report IMMEDIATELY! 
This is my last warning. 
Please delete this unverified information as you may have mix/merged my credit file. 
Best regards, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am trying to obtain a refi cash out with XXXX XXXX XXXX I have a credit freeze & I lifted this freeze XXXX XXXX XXXX through XXXX XX/XX/2021. XXXX & XXXX responded immediately, however Equifax did not & will not lift the freeze as requested. It is noted that Equifax automatically lifted my freeze XXXX XX/XX/2021 when XXXX XXXX XXXX did so for another loan ( that loan was subsequently cancelled by me because of the lender 's bad faith actions ). I have tried to lift my freeze with Equifax online, but they say that they do not know me. I have requested my 'free ' annual credit report from Equifax XXXX but it has not been received. Can you help me? Thank you for your service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Specialized Loan Servicing Holdings LLC
State: AR

Complaint narrative:
Specialized Loan Servicing LLC Report My account being Late payments for XX/XX/XXXX. That preventing from qualifying for mortgage loan with XXXX XXXX. Which I never been late. I was paying my attorney to help me to keep my home. Which they advise me to sell my home. Which I agree to sell my home and pay the remaining balance on my mortgage with Specialized Loan Servicing LLC in the amount of {$100000.00}

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 2021-11-12 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX  Account XXXX ( partial ) violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX Account XXXX ( partial ) violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Nelnet, Inc.
State: DC

Complaint narrative:
I am XXXX XXXX XXXX, and I am submitting this complaint myself with no third party involved. I reached out to XXXX, XXXX and XXXX, credit reporting agencies, via Certified mail on XX/XX/2021, asking to verify all debts from DEPT OF EDUCATION/NELNET that was fraudulently furnished by them on my consumer report ; according to 15 USC 1681b . There were no responses to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
During Covid-19 shut down, my husband and I were out of work. We decided to do a forbearance on our mortgage incase we were not able to pay it during our lay off. After 6 months I called to resume my mortgage, as we both went back to work. My mortgage company reinstated my mortgage and added a 2nd loan for the missed months. They added a {$22000.00} 2nd loan. I asked they repeatedly to send me a breakdown of this 2nd loan and what it consists of. They have refused to give me this information. This has been going on sense XX/XX/XXXX. My loan balance started at {$350000.00}. We made 4 mortgage payments before going on Forbearance dropping out balance to {$340000.00}. After the forbearance period was over and my loan was reinstated my mortgage balance increased to {$350000.00}. If this is a non interest baring forbearance how did my principal balance increase by {$9500.00}. They will not send me any information to explain this to me. I need help. My mortgage is with United Wholesale Mortgage. Not only that but when I go on the website to view my past documents, they are now missing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX XXXX ( the dealership ), for 3 years and with a XXXX allowance. I returned the vehicle early, in XXXX of XXXX and leased another XXXX from the same dealership. I had an excess wear-and-tear policy on the vehicle. The dealership agreed to waive any excess fees, including the fee for a lost key. The manager assured me that I had nothing to worry about or that I would have to file a claim with the company that issued the excess wear-and-tear policy, and that the dealership would handle everything for me, and they would also waive the end-of-lease disposition fee. I had made all lease payments on time and in full until early termination of that lease. 
I received several notices from Southeast Toyota Finance ( SETF ) concerning an outstanding balance, including missing monthly payments ( although I had returned the vehicle early! ). I contacted SETF at that time and informed them that the dealership was handling everything. After a few more notices from SETF, I repeatedly contacted the dealership and asked that they do something about the invoices from SETF and they repeatedly assured me that they were taking care of it ; in hindsight, they werent.

I heard nothing from SETF after the dealership informed me that they took care of everything, clearing up the situation with SETF and that they sent a payment to SETF to cover the lost key.

I recently checked my credit report and found that SETF had entered a charge-off against me. SETF never advised me in advance that SETF would be reporting a bad debt. I submitted a dispute with Transunion and Equifax regarding the charge-off. Both bureaus reported that they had contacted SETF and that the charge-off was correctly entered by SETF. I contacted SETF and they informed me that the dealership, or the warranty company, had indeed sent SETF the balance due on my account, but that SETF had already reported the bad debt charge-off before receiving the communication from the dealership, and there was nothing SETF could do to rectify that since it had already been reported.

Because the dealership ( and the warranty company ) were delinquent in sending SETF the missing information about the early lease termination and waiver of all and any additional costs, I suffered a negative entry in my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 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: IL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation