vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 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: WI

Complaint narrative:
I am going through a divorce and trying to refi my current home. While waiting for my divorce agreement, I made my XX/XX/XXXX payment to XXXX   XXXX  XXXX.

After a few days, I had noticed that the funds were not withdrawn from my account as they had always been in the past. 
I called a few day later only to be told that with the holiday ( XX/XX/XXXX ) and Covid, it could take up to 10 days to get the funds transferred. I was told to call back after that. 
I did. 
Worried about the transaction, I went ahead and made ANOTHER payment to my mortgage to make sure that the XX/XX/XXXX payment would NOT be counted against my credit. 
That 2nd payment was applied to my XX/XX/XXXX payment ( while leaving my XX/XX/XXXXpayment still " unpaid ''. ) I then get a notification that my XX/XX/XXXX payment did not go through because I had changed bank accounts ( an old to new ) to take my soon to be ex wife off of the checking account. The bank, XXXX XXXX XXXX, mistakenly did NOT forward the mortgage payment over thus resulting to the " late payment ''. I called XXXX on XX/XX/XXXX and tried to straighten this out. I AGAIN called back on the XX/XX/XXXX and was told by XXXX that if the funds were made immediately available to XXXX, and they could access them, they would take care of the problem. I called my bank and within 24 hours, the funds were transferred to XXXX. I specifically said 2 to 3 times that I can not have this effect my credit and was assured that it would not. 
On Monday, the XX/XX/XXXX, my credit received a blemish from XXXX XXXX   XXXX. 
I called back and was by XXXX, that I needed my bank to fax over the explanation and that would then fix the situation. Within 24 hours, my bank 's branch manager faxed over the needed paperwork. I called back AGAIN and was told there's nothing they could do. 
I have called XXXX XXXX XXXX  no less than 3 more times since then only to be told they'll investigate and let me know. 
I have explained to them that I am in the midst of a refi and have only until XX/XX/XXXX to get all of this straightened out otherwise I will lose my refi. 
I was told again today that this process will now take 30 to 45 days. 
I have been getting the run around from the beginning. 
Had they told me not to call back in 10 days, this would have been handled right away and since then they will not live up to their word. 
In the mean time my credit has been hit for over 80 negative points and my refi is now cancelled unless this gets reversed. 
Many please to XXXX XXXX XXXX  have been listen to and then dismissed with little to no help at all. 
How can they do this when I've done everything they have asked me to do ... and above and beyond? 

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 2020-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Merchant Credit Guide XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Re : Acct # XXXX Re : Acct # XXXX To Disputes Department : This letter is in response to your recent claim regarding account # XXXX and # XXXX, which you claim that I owe you {$150.00} on both accounts, in which these are a duplicate. By not replying in a timely manner to my initial letter on XX/XX/2020, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX   XXXX, IL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX  XXXX  XXXX Generals Office CC : XXXX   XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: WA

Complaint narrative:
On XX/XX/2020 I received a XXXX XXXX alert that collection was added to my account. Here is information from XXXX  XXXX  : Creditor Information CONTRACT CALLERS INC XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Opened : XX/XX/2020 ( 5 mos ) Account status : Open Type : -- Responsibility : Individual Remarks : Placed for collection Original Creditor Name : 11 XXXX Contract Callers Inc registered at XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX has never contacted me about this debt. They did not send me a letter or call me over the phone. I am very upset no one informed me about this debt and that now I have a derogatory mark on my credit report. 

I would like to : 1. Complain about CONTRACT CALLERS INC unethical debt collection practices. 
2. Have CONTRACT CALLERS INC validate the debt they are trying to collect. 
3. Remove derogatory marks from my credit report from all 3 Bureaus and provide a written statement that they did it.

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 2020-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I returned a voicemail message from Mariner Finance. I  took a loan out with them by cashing a check they mailed me, so I assumed they wanted to verify my personal information, etc. I spoke with XXXX XXXX, Assistant Manager at the office location of XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. She advised I had {$500.00} available now in additional funds but if I needed more then we could do an application for review on a larger amount. I told her no I did not need more than the {$500.00} that would be fine. She proceeding to verify my personal information and then asking questions like you would be asked doing an application. I stopped her and said I thought you said we didn't have to do an application for the {$500.00}? She said I just have a couple more questions. She then asked when I wanted to close on the additional funds that would be added to my loan, in office or over the phone. I said over the phone and she said I'm sending you an email requesting the documents needed to finalize the loan. I received an email shortly after from XXXX XXXX altering me my credit was pulled. I responded to the email she sent me requesting the additional documents and advised I did not have access to some of the documents due to COVID and working from home and for her to confirm she did not pull my credit and requested she cancel the loan. She advised " I apologize for the misunderstanding. I started out by saying that we would need to update your application '' in order to do a renewal either in office or over the phone. We can still decision the application but I will make a note that you no longer would like to receive the additional funds. '' I responded to her by saying I did not give authorization to pull my credit and she stated the {$500.00} was available to me but if I wanted more then she would do an application and I would not have proceeding knowing my credit was being pulled and the inquiry needed to be removed from my report. She did not respond to that email, so two days later on XX/XX/XXXX I sent another email to her advising I was waiting on a response to my email from XX/XX/XXXX and if she was not able to confirm my credit was not pulled and the if so, the inquiry removed to have her supervisor contact me. I still have yet to get a response to my requests.

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 2020-07-28 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: MD

Complaint narrative:
The company was given all pertinent information on this fraudulent account. I don't have account numbers as the account is not mine as I stated before. When I sent my letter I gave them all the information I had on this account. These tactics are used to put my information on this fraudulent account and continue to leave it on my credit report. My name and address were also included in my first complaint. If this item is not removed so that I can move and buy a home I will be left no other choice than to file legal action agains XXXX  XXXX  for fraud and Intention infliction of emotional distress ( IIED ) as well as other damages suffered as a result of these attacks on my personal credit, character and overall wellbeing. As I requested before I want these items removed from my credit report. I have already sent numerous letters and given my information I don't have any further information as this is all that is on my report ; the account isn't mine so I will never have the information they are looking for. They need to prove with wet ink signatures which they don't have as this is fraud and these accounts are not mine. We are beyond the request for information. Remove this account or I will be left no other choice but to pursue legal action. 


Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 1.  XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Thursday XX/XX/XXXX my loan was cleared to close. On Friday XX/XX/XXXX the closing was cancelled a hour before scheduled closing due to findings on current property. My mortgage broker and myself have been reaching out for answers since the closing was canceled. Today we were told the loan was denied due to the rental agreement being adding after the Debt to income was an issue. This is within QL guidelines. My dti was well below 50 % even without a lease. XXXX didnt like it above 37 % dti so we provided a lease.This issue came up and was resolved after the lease agreement was provided. If this was truly a problem this loan would have never been cleared to close. The ideal of me getting a new property was to use my current property as an investment property. When the debt to income issue came up I just provided the rental agreement to show the property will be rented. The renter lease agreement started XX/XX/XXXX. Now I am in a situation where I have no where to live. Legally I can not evict the renter. I did everything right to make sure there would be no issues during this process. I spoke With multiple people at QL and other lenders about this situation. It does matter what time during the process you resubmit the rental agreement. That should not be a reason to deny the loan. The house is current being rented. The rental agreement starter XXXX and my loan is being denied on XX/XX/XXXX due to a issue with my current home being rented. If the house is currently being rented why is this a issue? No one has ever seen this issue. I honestly feel like I am being discriminated against. I also contacted multiple people by email and no one responded. I am currently homeless. No one from QL would speak to me on this issues. My mortgage broker and real estate agent all feel I was discriminated against and treated unfairly. No reason my loan should have been denied. I also lost all the money I invested in the property during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: GA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX  XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX/XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX   XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX   XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX/XXXX   XXXX/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 explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
i have been back and forth with chase about fraudulent way they handle my modifications and partial claim and incentive breech of contract and every time they close case XXXX provide proof via documentation they cant dispute that so they got me feel i was get somewhere told me give me a selltlement offer by XX/XX/XXXX how about today on XXXX recieve letter say after XX/XX/XXXX new XXXX gave me new acct number i say what about my case they say call new servicer why so they can say that bettween you and chase just like XXXX mod chase say bettween you XXXX same company i dont know whole business but if they pay chase XXXX bal for my home of 32yr chase try steal extended to 58yr big problem XXXX need investigate chase just got rid of a big problem and RED FLAG when i showed proof nothing left but PASS THE BUCK i refused to pay XXXX to chase then XXXX to sps no way i have 30yr fixed chase coherced me for hamp but breeched contract gave me standalone inhouse but collected partial claim incentive hamp incentive have not removed partial claim from record in county i XXXXyr old i wont be able to explain this white collar crime but gone die trying now is chase or in 3day sps responsibled for forgiveness i have 19disputes stem back XXXX same issue but as plot thickens you see doc changed before eyes thank XXXX for internet i have exibit c and d all different depent on which executive mood be honest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Oasis Legal Finance Holding Company, LLC
State: LA

Complaint narrative:
I was told that an underwriter was deciding my case and I waited 7 days to hear an answer and on the last day I got two different answers one was they were still deciding and a minute later I was told Oasis do not deal with product liability cases in Louisiana but their advertisement says something different and I'm waiting for my lawyers to answer on what Oasis told them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
Sent a debt validation letter, it had a tracking number and they received it on XX/XX/2020, the fair debt collection laws they are not allowed to contact me until they validate the debt in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: TX

Complaint narrative:
No evidence of accounts investigated and credit bureaus unwilling to investigate accounts despite all Identification Verification being submit. 

Credit Bureaus added inaccurate information onto XXXX account that was never sent in dispute but didnt investigate the accounts that were inaccurate and requested for investigation.

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 2020-07-27 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: TX

Complaint narrative:
No evidence of accounts investigated and credit bureaus unwilling to investigate accounts despite all Identification Verification being submit. 

Credit Bureaus added inaccurate information onto XXXX account that was never sent in dispute but didnt investigate the accounts that were inaccurate and requested for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: VA

Complaint narrative:
This complaint is about ( forced place insur ) XXXX insurance put on my mortgage paid bye my previous mortgage servicer XXXX XXXX XXXX 

XXXX XXXX XXXX notice to me saying they are no longer servicing the loan and that i will have a new servicing company S/N Servicing XXXX XXXX says that there are no changes to the loan except to mail it to the new company. 

XXXX New mortgage company starts charging me forced place insurance XXXX I ask S/N why are they taking out forced place insurance when there is a policy already in place, they would not respond back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We just pulled our credit score while looking to buy a house. It showed a huge ding from Bestbuy Citibank card that we havent used or received a statement in over a year. It showed a balance and 5 missed payments. We called to find out what it was they said we were being charged for debt protection/ forgiveness plan and late fees. Then we were transferred to Citibank to be told the same thing and that we signed up in 2010 when we applied for the card. I have never signed up for these programs ever, I would never agree to pay a monthly thing like this that is useless. I told them this and they transferred me to the program within Citibank and she was able to cancel it as if today, but not to get the charges reversed or refunded. No one was able to help us with the fact they reported us to the credit bureau for missed payments ( 5 ) for this ridiculous service that I did not sign up for. And it is important to have that removed. Im being punished and charged for a service I did not agree to!

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 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am trying to receive payment from XXXX by linking to my PNC bank account and PNc will not allow the link.

Company response to consumer: Closed with explanation