vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I received many pre-approval offers from this company so I decided to apply to increase my already credit score of XXXX, On XX/XX/2021, I applied on-line and received a pre-approval for {$7500.00}. It asked me to upload a driver 's license ; front and back and a headshot. However, I could not do so from my computer using my iphone so I called customer service for their assistance. They told me that I could email those documents and use my landline number for identification as my new cell phone number was not on file. No problem! Upon request, I supplied my last 4 of my SSN, birthdate and full name before any discussion began. 

It became necessary to upgrade my XXXX because it had no available storage and was malfunctioning so I ordered a new XXXX XXXX which was received on XX/XX/2021 and I submitted requested documents as stated above. 

On XXXX, XXXXXX/XX/XXXX, a call was received by their agent on my landline to inform me that my application was being declined because my cell phone number on file does not match the cell phone number on my credit report. I was completely taken aback. Before our conversation proceeded, I provided my full name, last 4 numbers of my SSN and birthdate. I already have a consolidation loan with them which is in good standing. I informed her that she just called me on my landline. I was pre-approved based on my credit score and income. What is really going on here? It seems as soon as they see my picture ID of a XXXX woman, everything changes. But, I wanted to give them the benefit of the doubt, so I logged on to XXXX XXXX and changed my cell phone number on record and reapplied that date ; XX/XX/2021. I spoke to a consultant named XXXX over the phone after I sent documents to make sure they were received and asked if my phone number situation was a problem and she replied I don't see anything wrong with your phone numbers. I said " Thank you '' and we hung up the phone. 

On XX/XX/2021, I called because I had not heard anything from them about the new application of XX/XX/2021. I was switched around, treated disrespectfully by one consultant in particular and, after waiting at each station at least 15 minutes on hold, I was finally told that I am being declined again because of my cell phone number. 

I reminded them again that I already have a loan with you in good standing, I have a XXXX credit score, I have stable retirement income, I sent appropriate up to date identification to include facial and, every time I speak with anyone, I am able to provide my last 4 of my SSN, date of birth and full name, etc. You contacted me last time on my landline so you know who I am and I have been identified in every way possible. It seems my photos are what changes things from pre-approval to declined. Please look into this for me please! I feel I am being discriminated against because of my race.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: UT

Complaint narrative:
My father ( Home Owner ), passed on XX/XX/XXXX, I have been trying to assume the loan and work with mortgage company and it is impossible to do so. I have Emailed, Faxed, Mailed probate documents showing me as the Succesor of Interest and they refuse to accept documents or update their system so I can be authorized to resume making payments and assume the loan. Everytime I call, it ends up on them hunging up or transferred from department to department and on hold for up to 38 minutes. Planet Home Lending has all documents requested and still no resolution since XX/XX/XXXX. This is unacceptable, consumer abuse and discrimination at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have several inquiries on my credit which I don't recognize. I have recently been working diligently to improve my credit and came upon unknown inquiries as well as fraudulent accounts. I have successfully achieved the removal of the fraudulent accounts but the credit bureaus have not been very cooperative with the removal of the inquiries. 
Experian, XX/XX/XXXX and XX/XX/XXXX all list the following inquiries which I am not responsible for : US SM BUS ADMIN XXXX ( Federal Government ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX Farm & Garden Supplies and Svcs ) Inquiry Date : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXXXX/XX/XXXX( Services ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXMiscellaneous ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Bank ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Bank ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX Finance ) Inquiry Date : XX/XX/XXXXXX/XX/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 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/26, I sent a letter to the credit companies and ask them to verify that the accounts that I listed are correct and need them to send documentation of how these account were verified. It has been 30 days seen I sent that letter and still have not received anything back.

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 2021-04-14 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:
On XX/XX/26, I sent a letter to the credit companies and ask them to verify that the accounts that I listed are correct and need them to send documentation of how these account were verified. It has been 30 days seen I sent that letter and still have not received anything back.

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 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
My file # is XXXX This was a fraudulent account opened at the beginning of XXXX in XXXX, Oregon under an apartment address I left in XXXX. The amount of the of the account was {$130.00}. 
I disputed this with XXXX XXXX on XX/XX/XXXX. Please see the status below : Completed JEFFCAPSYS Reported on XX/XX/XXXX {$130.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 

Dispute Reason Ownership : This account was opened fraudulently. 
**************************************************************************************** I had a XXXX account until XXXX. I never had a XXXX account until XXXX. 

XXXX called me and saw that it was not my account. They reported as fraud but it is STILL on my credit report under Jefferson Capital System.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: GA

Complaint narrative:
I am writing this in order to clarify unknown accounts that appeared in my credit report. I checked my credit profile to make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. SO its not ok if I have misleading accounts in my credit report therefore please delete them and try to make it as soon as possible. Thank you

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 2021-04-14 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: GA

Complaint narrative:
I am writing this in order to clarify unknown accounts that appeared in my credit report. I checked my credit profile to make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. SO its not ok if I have misleading accounts in my credit report therefore please delete them and try to make it as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: IL

Complaint narrative:
Company is reporting public records as " verified and accurate '' on my credit report saying they obtained information and records were verified by a third party company " XXXX '' as of XX/XX/2021 but XXXX sent a letter of not being able to vwrify these records as of XX/XX/2021 these records have been deleted from my XXXX report. so your company is completely lieing about the information being verified and accuratre according to XXXX! The letter from XXXX clearly says the bankrupticies have been removed from my report. I am demanding these records be removed from your company ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CA

Complaint narrative:
There are 9 accounts on my credit report that do not belong to me I have been disputing these since XX/XX/2020 but I have heard nothing back I have opened an FTC and filled and have a notarized Affidavit for Identity theft and still nothing is being done I have gotten no emails back or dispute results this is my last resort before I open a police report. 
Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2021-04-14 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: LoanCare, LLC
State: VA

Complaint narrative:
I was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
Shortly after I received this letter in the beginning of XX/XX/XXXX, I called CMRE after calling my insurance company form XXXX and explained to the customer service rep on the phone that the claim was not filed by their client. Therefore, either they needed to file it themselves or have their client file it for them. Also, I had not received any communication from their client prior to this communication. The hospital bill had already been received and that this bill would be paid in full because it was in network. I verified this with my insurance. I was told by them that their client had filed it and gotten no response. I advised them that my insurance stated that no claim was ever received. That I had a number that they could call to find out where the mix up was. They said that they do not call third parties. According to FDCPA, they can call third parties with my permission. I asked to speak to a supervisor and was given voicemail. I left her a voicemail advising her to contact my medical insurance company and file the insurance. It is not my responsibility to pay when I provided the insurance information to their client to file and they did not file it in a timely manner. They have a medical billing department in house and they are aware of this. Now they are calling me from California using several different Oklahoma numbers that show up as suspected spam. Then they want me to call them back. Since they can not call a third party from their office ( their words not mine ), why are they calling me? They have a contract with their client, not me. I would be considered a third party as well. And calling with an automated system and leaving a voicemail or using an automated system to tell someone to call you back and what it is about would be a violation wouldn't it? They don't know who is going to pick up the phone on they other end or if it's going to be attached to a car speaker or on speaker phone. Especially when using a suspected spam number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority
State: ME

Complaint narrative:
I want to preface this complaint with I'm a XXXX XXXX, so I do understand the need of guidelines in which to approve and deny loans. I currently have approximately {$43000.00} in outstanding private student loans, these are JUST in my name, no co-borrower. I pay $ XXXX  monthly for these, as my average interest rate is 6.15 %. Recently, I tried to refinance these with the same company. MEFA is the overarching company, however they're serviced by XXXX. On Monday XX/XX/XXXX I was pre-approved to lower my interest rate to 3.80 % and lower my term two years, and keep approximately the same payment. I think it was a {$40.00} a month increase. I have as provided by MEFA a XXXX credit score, and good payment history for over a year with them ... ..as suggested by my score and I can provide proof of Both. 

I was denied due to my Debt to Income ratio, which I understand it a problem, I own a house, have a car, and student loans. HOWEVR, I'm refinancing with the SAME company and trying to lower my rate and make them easier to pay! I think this is SO SO SO wrong in SO many ways. 

I was basically told to get a co-signer or get lost or get more income. I'm not going to add a co-signer as no one should be on the hook for my college debt if I was to pass away. So, now they've basically ensured they will get more money from me for a greater length of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have sent AMEX a letter dated XX/XX/2021, and told them that they are reporting erroneous inconsistent account information on my credit report. Tracking Number # : XXXX. 

AMEX responded with a letter that is saying that they will send me the documents that I requested but the letter never came. 

Because of this negative effect on my credit report, I had been denied loans which, in this time of crisis is a necessity. This has caused me and my family a lot of stress, As per CCRAA which is a state law, AMEX is required to submit a report that is accurate and consistent as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber
State: CA

Complaint narrative:
They are incorrectly reporting the dates for an item they placed on my credit report and will not remove a paid collection from my credit report after telling me if I paid it they would remove 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 2021-04-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have several inquiries on my credit which I don't recognize. I have recently been working diligently to improve my credit and came upon unknown inquiries as well as fraudulent accounts. I have successfully achieved the removal of the fraudulent accounts but the credit bureaus have not been very cooperative with the removal of the inquiries. 
XX/XX/XXXXand Equifax all list the following inquiries which I am not responsible for : US SM BUS ADMIN ODA ( Federal Government ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX ( Farm & Garden Supplies and Svcs ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX ( Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX( Services ) Inquiry Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Miscellaneous ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( Bank ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( Bank ) Inquiry Date : XX/XX/XXXX XXXX ( Finance ) Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells FargoXXXX XXXX is reporting late payments for the year of 2020 and I would like them removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that Wells Fargo make a goodwill adjustment to have this removed.

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 2021-04-14 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: KY

Complaint narrative:
I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.

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