vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Comerica
State: TX

Complaint narrative:
The company- Comerica Bank- has refused to cooperte or even to meet with us to resolve the XXXX XXXX, pervasive and continuing practices and actions that have resulted in the illegal discrimination and redlining perpetrated against the protected class of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Until recently unbeknownst to me this week for the process continue to display erroneous information in regards to a credit card that was victim. Do I deserved all three credit bureaus should concentrate on following FCRA regulations and blocked negative information during investigation of ID XXXX, and the two accounts that is affected for nearly XXXX XXXX XXXX  now Im trying to rectify the problem and its time to pay attention

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 2023-08-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Until recently unbeknownst to me this week for the process continue to display erroneous information in regards to a credit card that was victim. Do I deserved all three credit bureaus should concentrate on following FCRA regulations and blocked negative information during investigation of ID XXXX, and the two accounts that is affected for nearly 2 1/2 years now Im trying to rectify the problem and its time to pay attention

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I called two times today to see about a credit card I ordered for a worker. I ordered the card about 2 weeks ago. 
I first talked with a XXXX ( I didn't get her name ), she said she is the wrong department and transferred me, where I was on hold for more than 10 minutes. I hung up. 
I called the number on the back of my card again ( XXXX ) and spoke with XXXX XXXX. The call lasted about 36 minutes and she could not help me. I asked to speak to her supervisor, she placed me on hold and I did not want to wait more than 3 minutes because I am working, so I hung up. 

The customer service skills, listening skills, and general attitude of not caring shown by XXXX XXXX makes it apparent to me that American Express does not care about its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: MS

Complaint narrative:
I did consent to authorize nor benefit from these accounts.

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 2023-08-02 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Today XX/XX/2023 I received an alert that someone has applied for a credit under my name with TD Card Service so a hard inquiry it was placed on my credit report, i did not authorized any application or nether i did any application with TB Bank Credit service, so I believe my information it s been used fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
A few weeks ago I noticed a medical collection on all three credit reporting agencies ( XXXX, XXXX, and XXXX ). I was not aware that I owed this debt. I was not notified of this debt. On XX/XX/XXXX I called Transworld Systems at XXXXXXXX XXXX and spoke with XXXX. Her employee number is XXXX. I asked her, " How did TransWorld Systems verify this debt ''. She stated they mailed a letter to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX on XX/XX/XXXX. However, I lived at an entirely different address in a different city on that date, and I have a lease to prove it. Before that date, I lived with a family member at a different address. Before that, I was in the XXXX located in XXXX XXXX Oklahoma. I asked her, " Did you all verify this debt by email? '' She stated no. I then asked her did you all verify this debt with me over the phone, and she said no. She stated that they called the phone number they had on file multiple times but no one answered. She said someone picked up the phone on XXXX the XXXX XXXX and said they had the wrong number. 

The Consumer Financial Bureau ( CFPB ) states, " Make sure the bill is yours and shows your correct name, insurance information, and billing address. '' However, I was not provided a chance to verify any of this information. Instead, this company took it upon itself to place this on my credit report without giving me a chance to verify the debt. 

The Consumer Financial Bureau ( CFPB ) states, " Debt collectors are not permitted to report a medical bill to the credit reporting companies without trying to collect the debt from you first. Debt collectors may be hoping that you will simply pay the bill without disputing it. Instead, you have the right to dispute the information. However, I never received notification of this debt prior to Transworld Systems placing this on my credit report. 

I recorded the phone conversation between the representative and I for my protection. I am completely disgusted at how debt collection agencies feel as if they can do whatever they want. The companies information is as follows, TRANSWORLD SYSTEMS XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I demand this collection be deleted from all three credit bureaus ( XXXX, XXXX, XXXX ) immediately. Failure to do so could result in legal action against Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX I made a payment by XXXX from my XXXX  account to XXXX recipient XXXX which is a Chase account holder. XXXX confirmation number : XXXX 
This transaction shows completed and verified in my XXXX account. By XX/XX/XXXX the recipient received a Chase reversal of the same amount in their checking account and they claim that the money was sent back to me but this money was never reimbursed back to my XXXX account. 
The recipient ( The XXXX  ) claims that a new payment should be made by me or they will end my services contract. 
I understand that on XX/XX/XXXX Chase bank had a technical glitch which duplicated all payments/deposits and reversals were made on XX/XX/XXXX on Chase account holders to amend this situation. My counterparty claims that my payment is not in their account but I have confirmation that the money didn't go back to my account. My counterparty doesnt acknowledge double postings on their account. 
By now the recipient has cancelled my contract and still don't know where the money that I paid on XX/XX/XXXX is. 
I filed a claim with XXXX under number # XXXX to track the transaction and verified where the funds are. 
I need to clarify where the money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOME BANCSHARES, INC.
State: TX

Complaint narrative:
Centennial Bank employees, XXXX XXXX under the failed leadership of XXXX XXXX, lied on my XXXX XXXX XXXX XXXX Application in XX/XX/2022. This caused the XXXX to only partially be forgiven. Had the XXXX received the correct information that matched the supporting documentation the lender received all 4 businesses would have received full forgiveness. Our small businesses have appealed to the XXXX through the corrupt lender but have run out of resources to fight the overwhelming amount of paperwork and requests from the XXXX as they conduct an audit spanning 4 years that is completely unnecessary because the lender gave them incorrect information as our representation. The burden far surpasses a reasonable expectation of a small business struggling to recover from the financial trauma of the pandemic. The lender took money from the XXXX for this process and failed to represent the borrower accurately causing a debt to be owed to the lender that is false. Please hold them accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Inquries i do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-08-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My homeowner 's insurance was cancelled as of XX/XX/2023. I contacted my insurance agent ( XXXX XXXX XXXX XXXX, FL ), and they issued a new policy from XXXX XXXX XXXX company on XX/XX/2023. Rocket Mortgage customer service contacted me stating that they had no proof that new insurance has been obtained. On XX/XX/2023 at XXXX XXXX, I faxed a copy of the XXXXXXXX XXXX policy declaration page to Rocket Mortgage. I have a copy of a fax delivery report proving that it was delivered to them. On XX/XX/XXXX, I received a letter from Rocket Mortgage that they will be purchasing a third party insurance policy for my home. The letter stated that this was their final attempt to contact me, and that my current policy had lapsed. 

I believe that the personnel working the Rocket Mortgage office must be living under a rock. The tremendous insurance calamities and issues in Florida have been publicized for a long time. I am opening this claim to stop the harassment from this company, and the threats to purchase third party insurance. I have provided ample evidence to them that my homeowner 's insurance policy is active and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however Experian for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX XXXX 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts. 

Account # : Loan 1 ending in # XXXX Loan 2 ending in # 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 2023-08-02 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit profile is blank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I made the decision to use my rights under FCRA, it was with the intent of fighting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate

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 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
I, XXXX XXXX have applied for mortgage assistance with Select Portfolio Servicing XXXX Inc. on two occasions. Our loan is maturing on XXXX XXXX and we are unable to pay the lump sum in full. A loan modification for the balance was requested. 

My husband and I had been battling severe illnesses since XXXX. XXXX had XXXX for XXXX XXXX and was out of work. After he returned to work XX/XX/XXXX XXXX caused a lack of work and our finances were strained over the next year. 

I had a total XXXX XXXX XXXX in XXXX that became XXXX  and caused injuries to my XXXX, XXXX and cXXXX XXXX. The XXXX injury lead to XXXX XXXXXXXX XXXX. XXXX lost wages during my illness while assisting me. 

Payments were late at times.But during the past three years we still kept the mortgage out of default/foreclosure by putting all we had into keeping our home. 

As of XX/XX/XXXX XXXX and I separated and he moved out of the home. I submitted legal separation documents as well.I have even asked Select Portfolio Servicing for a modification based on the current occupants. I live in the home with my brother who contributes to the household expenses. 

The first decision was that we were current on the loan so the modification was denied. However the maturity date still needed to be addressed. The second response from the relationship manager was that we were denied because of a delinquency. I was told that there are no retention options. This servicing company and investor seem to be determined to foreclose on my only home because it is worth much more than what is owed on it. They have not shown any interest in assisting homeowners. 

I have the ability to keep up with a modification and have sent proof of my income as well as my brothers signed contributions statement. 

If there is any assistance you can render to help me save my home from what seems to be a predatory lender would be greatly appreciated. 

Thank you, XXXX XXXX

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