vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
In XX/XX/XXXX, I was released from my job with XXXX XXXX XXXX and XXXX XXXX. At that time, I took advantage of the COVID-19 relief and went into forbearance on my mortgage with Caliber Home Loan. In XX/XX/XXXX, my forbearance ended, and I attempted to take advantage of the loan modification process afforded to me. Caliber Home Loans continued until XX/XX/XXXX to delay this. They kept giving me incorrect information and making me file unneeded paperwork in what I now see as an attempt to secure an interest rate more advantageous to their company. Instead of calculating my modification at XX/XX/XXXX interest rates, it was done at XX/XX/XXXX interest rates, which is a significant disadvantage to me. I made the three months of trial payments and complained and asked for help through XXXX of XXXX ; at the end of that period, my loan was passed to XXXXXXXX XXXX, who finalized my modification. This issue is brought up every month with them on a phone call. They have yet to respond and give me the one-month grace period between the end of the trial payments, not to make a payment as I had been part of the modification deal with Caliber Home Loans. In the end, I have been required to pay every month, and now my payments are almost precisely what they were before the modification. 

Caliber Home Loans has a complete record of my calls and documents. 

I am asking : 1 ) My loan interest be adjusted to the interest rates of XX/XX/XXXX as they should have been when I requested the modification on the COVID-19 Forbearance program. 

2 ) I am granted the one-month grace between the accepted modification and the payments under the new rate beginning. 

3 ) My late fees be removed from my account with XXXX as I am behind due to unfair and underhanded practices by XXXX XXXX XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I CHECKED MY CREIT REPORT AND I SEEN THAT I HAVE SOME INQUIRY ON MY CREDIT REPORT THAT I DID NOT DO AND HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY CREDIT REPORT WHERE THEY ARE SUPPOSE TO CALL TO MALE SURE THAT IT IS ME AND THEY DID NOT DO THAT AT ALL. Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit card and travel / entertainment companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-22 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: IA

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

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

15 U.S.C 1681 section 602 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 2023-03-22 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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % correct. 

XXXX XXXX XXXX The credit bureaus stated my account was properly investigated but the account type, the open date, credit limit, high credit, last reported, date last active, and the date of last payment are not accurate. This is ground for removal. 

They have also violated my rights under 15 U.S.C 1681 section 602A. It states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-03-22 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: NJ

Complaint narrative:
These Inquiries below are fraudulent are weren't authorized by me 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 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 non-monetary relief
Consumer complaint received 2023-03-22 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I CHECKED MY CREDIT REORT AND SEEN THIS INQUIRY ON THERE THAT I HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE THAT I AM A VICTIM OF IDENTITY THEFT AND THEY ARE SUPPOSE TO CALL ME EVERY TIME SOMEONE APPLY FOR CREDIT TO MAKE SURE THAT IS ME AND THAT DID NOT HAPPEN

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 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I was alerted by XXXX that a fraudulent credit card application for an XXXX  XXXX credit card had been submitted to Bank of America in my name. 
On XX/XX/XXXX I contacted Bank of America and alerted them to the fraudulent credit card application. I was assured that the hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. 
I contacted Bank of America in XX/XX/XXXX and XX/XX/XXXX about this and was told that the hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. 
As of today I have never received communication from Bank of America on this fraudulent credit application, and the hard inquiry remains on my XXXX credit report. Bank of America has violated the Fair Credit Reporting Act ( FCRA ) by not resolving this within 90 days, and so under the FCRA is civilly liable to me for " actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater '' ( 15 USC 1681n ( a ) ( 1 ) ( B ) ).

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 2023-03-22 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: French Financial, Inc.
State: TX

Complaint narrative:
THIS HAS BEEN ON MY CREDIT REPORT SINCE XX/XX/2016 AND IT SHOULD HAVE BEEN REMOVED FROM MY CREDIT REPORT I WOULD LIKE FOR THIS TO BE REMOVED PLEASE IT HAS BEEN YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Wallace Management Company, LLC
State: TX

Complaint narrative:
I CHECKED MY CREDIT REPORT AND I SEEN THIS INQUIRY THAT I HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE A IDENTITY THEFT ALERT ON MY REPORT AND THEY ARE SUPPOSE TO CALL TO MAKE SURE THAT IT IS ME AND THEY DID NOT DO THAT AT ALL nquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Select Portfolio Servicing was handling the mortgage on my home in XXXX, Alabama. I just recently sold the house, because a son of mine with XXXX XXXX XXXX could no longer stay in XXXX. As a matter of fact, some years earlier, he nearly died in the hospital there for lack of proper treatment, and was sent by plane to a hospital in XXXX Alabama. 
I sold the house and moved to XXXX XXXX, La. SpS has yet to pay me the relocation fund, and do not seem willing to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I never applied for this credit card in particular. I've only applied for ones through my XXXX  account, based on my credit score and this MILESTONE MASTERCARD was never listed. The account is now open on my credit report and I want them to close it. I missed the 30days to close deadline, per my email from XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: GA

Complaint narrative:
This company has put several medical collections on my credit report, without sending me any kind of notice! This is a violation of my rights to dispute any kind of debt. I want this deleted now. I will seek ligation for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastpoint Recovery Group, Inc
State: PA

Complaint narrative:
I have never talked to this group physically before I witnessed the east point recovery group contact my mother and discussed my debt without asking for any proper verification of identity. I have been contacting them to get information on the debt but have no been successful. They are contacting the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: RFNA, LP
State: TN

Complaint narrative:
Republican Finance keep updating me account its paid off and its been over 7 years will not reporting to take off my credit report.This a law I open this account 2015 They needs to remove off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is violating my consumer rights by furnishing and reporting XXXX collection  account that has already been removed from my consumer report by XXXX and XXXX because the original account was deemed to not belong to me ( see attachment ). Experian is supposed to be fair, impartial and required by law to ensure the reports furnished and reported by their company are 100 % accurate and can be held liable if not. My score was updated today ( see attachment ) however, this account is still being reported. Experian is blatantly disregarding federal law as well as my consumer rights. If this matter is not resolved immediately I will be happy to make this a federal matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On this account ALLY FINANCIAL XXXX there To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit card information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last- time error on my part, and I ensure that this does not happen again. I would really appreciate if you would kindly understand my situation and excuse me for late payments ). I am asking your company for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureau ( s ) that you report 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 2023-03-22 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: IN

Complaint narrative:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2023-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Everyone needs to avoid XXXX. I used Affirm loan company to pay for XXXX  for services totalling in XXXX. XXXX monthly. The tutoring services I paid for were not as described. They never went over or tutored me on anything. They never answered any questions I had about the subject. They just sent me quizzes and passages about material that is not covered on the XXXX test. At 2weeks I noticed this pattern. I asked if I can discontinue and pay them for that 2 weeks which would be XXXX. They refused. I originally paid for a {$1900.00} 8week program. They wont give me material for 8 week just the 2 week because I opened up dispute with affirm. I am faithfully paying affirm XXXX each month for a service I am not getting from this tutoring company. I told affirm about this and so far they are siding with the merchant because of their no refund policy. I dont find it fair because I am not getting all my services nor a refund and I am constantly paying. I continued paying out of fear that affirm will mess up my credit and put me in collections. I keep telling affirm and opening disputes and telling them how I am not receiving services or my money back and how I am not receiving tutoring like the website claims. I really prefer my money back at least partial. Because the material they will send will be useless to the test prep and no actual tutoring. But at least I will get what I paid for. I cant get either. I dont know why affirm keeps closing my cases and allowing this or why they even deal with this illegitimate company to start with.affirm appears to always side with the merchant. I feel scammed of this tutoring company and helpless. Affirm is not helping. I would suggest that no one use affirm for any merchant. You will not get your money back if service product is bad/ nonexistent. Unless that merchant offers your money back you are screwed. Use your bank card to the merchant and ask for a loan seperately and put the money in your account. Dont do no loans asking for routing number, account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JP Jensen Collections, LLC
State: MD

Complaint narrative:
JP Jenson & Collections has.froze my bank account stating I owe XXXX dollars for using XXXX XXXX XXXX in XXXX. I have contacted JP Jesnon on XX/XX/XXXX inquiring why my account has been frozen XXXX my monies have been taking and was told I was being garnished. On XX/XX/XXXX I contacted JP Jenson and spoke to XXXX whom was extremely rude, I requested any documents they have with my signature be sent to me, XXXX stated he would send them shortly around XXXX I still hadn't received I reached back out and has yet to receive my documents I requested but my account is still froze. I have tried to reach XXXX XXXX XXXX bond and they are no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted Experian MULTIPLE times about XXXX. I do NOT OWE these XXXX  accounts. They are not mine. I dispute they say verified. I then GOT PROOF that XXXX  either lied to Experian or Experian is NOT doing their jobs in investigation. Per mail, XXXX XXXX owns these debts in which I am disputing with them currently, Experian had since changed accounts closed on notification of this but still REPORTING balance owed!!! They DONT OWN THE DEBT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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:
My consumer right has been violated according to 15 us code 1681 .... inaccurate information is listed on my report which should be deleted immediately...

Company response to consumer: Closed with explanation