vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
Equifax failed to do a proper investigation once again with the XXXX account after I submitted a complaint. The account should not be reporting on my credit bureau. I did not authorize them to report it. They updated this account again incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: United Shore Financial Services, LLC
State: OR

Complaint narrative:
My loan was sold by United Wholesale Mortgage to XXXXXXXX XXXX XXXXXXXX XXXX. I was accepted and enrolled in the VA mortgage forbearance mortgage program. The loan number was XXXX with XXXX. I was awaiting documents which never came for me to sign and put the two allowed skipped payments at the backend of the mortgage. I made 12 attempts to contact UWM and left voice mails each time. I refinanced via the VA streamline loan program with XXXX XXXX on XX/XX/2021. Know one ever contacted me via the US Mail or telephone telling me that XXXX XXXX was now my loan holder. When XXXX assumed my new mortgage in XXXX of XXXX the program allowed me to differ the first payment to XXXX of XXXX. XXXX XXXX XXXX shows me late on national credit reporting for the months of XXXX XXXX and XXXX of XXXX when no loan was with them. UWM the parent organization will not correct that error and will not admit that the loan documents that they claim sent were ever sent by them. They accepted me into the forbearance program and the payments of the program were made to them and their own records reflect those payments. Therefore I want UWM to notify the credit reporting bureaus that no late payments of any type were incurred by them and I want the records corrected to show no late payments of any kind especially for the months of XXXX through XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contact Experian to dispute a XXXX XXXXXXXX XXXX FL XXXX XXXX reference number XXXX and sent them proof that validation is incorrect for the following reasons XXXX Court address is wrong XXXX I contact the court and there response was they do not report any records or information to the credit reporting agencies. 

and they do not want to remove this item from my report and they still saying that was verified as accurate when is more that clear that the court address is wrong and I got a response letter from the correct court

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 2021-12-06 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: PA

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 5 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9900.00} balance and it is also reporting a high credit of {$19000.00} and a past due of {$9900.00} ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...

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 2021-12-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit file I realized that there were some discrepancies on my credit reports that are violations of my consumer rights according to the FCRA. Both Equifax and XXXX are reporting two different amounts for the high credit and the credit limit on my credit reports for XXXX XXXX I am distressed that they have included this information on my credit profile and have failed to maintain reasonable procedures in their operations to assure maximum accuracy in the reports that they publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2021-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I owe about {$2200.00} to Synchrony Amazon, ( which is the bank that collects funds for debts owed to Amazon.com ). I am not able to log into the Synchrony Bank website to try to pay the debt with my credit card online. I sent a letter in the U.S. Mail to Synchrony Amazon and it came back returned without being opened because the laws of the U.SXXXX government are required to do that in the case of defaulting on debt payments. Their website states that I must call them on the phone. I refuse to call them on the phone. They are required by law to send me a statement in the U.S. Mail along with an envelope for the purpose making the payment via the U.S. Mail. They are deliberately trying to circumvent that method of being paid because of the marketing policies that concern their brand name as a big reputable bank. I want them to send me a statement immediately.

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 2021-12-06 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: OH

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

Company 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 2021-12-06 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: PA

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 5 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9900.00} balance and it is also reporting a high credit of {$19000.00} and a past due of {$9900.00} ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...

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 2021-12-06 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-12-06 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: MD

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: CITIBANK, N.A.
State: MI

Complaint narrative:
From XXXX when I became disable and stop working to XXXX XXXX card DID transfer money from my other credit card to a fake XXXX XXXX account! 
In XXXX I notified the credit card companies that XXXX  has set up a fake account and is taking money from my accounts with them< I canceled all my accounts with the one that kept sending money to XXXX fake account! 
There have been several class action lawsuits again XXXX for this and other violation of the laws! 
XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX took me to XXXX XXXX, XXXX XXXX  The case was XXXX XXXX 

CITI Bank took me to the XXXX, XXXX XXXX XXXX dismissed due to the above proof of XXXX card past actions!

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 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Our mortgage was sold to Mr. Cooper in XXXX of XXXX. In the summer of XXXX we got notice that a reassessment resulted in an increase from {$1400.00} to {$2000.00} a month due to a tax increase. In XXXX we also received notice from XXXX XXXX that our tax payment was late and assessed fees. I contacted Mr. Cooper on numerous occasions, I have the email strings for the contacts. It took months before they would fix the assessment and Im the one who had to contact the city to verify my taxes did not go up. our monthly mortgage is now {$1500.00}. However they will not credit the escrow account for the {$500.00} plus in late fees, penalties and interest. They said they are waiting for XXXX to verify the amounts. However Ive provided the information by email from XXXX XXXX many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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:
I do not consent to nor benefit from the furnishing of these unauthorized entries on my credit file. Pursuant to the Fair credit Reporting Act ( FCRA ) 15 U.S.Code 1681b its my consumer right to have these entries removed from my credit file. Block and remove these entries pursuant to 15 U.S. Code 1681c-2. Failure to comply is civil and criminal non compliance pursuant to 15 U.S. Code 1681n-o.

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 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood locked my account with almost 900.00 in it and refuses to allow me to transfer it to my bank. Refuses to give explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2021, my husband and I applied to refinance our mortgage rate of 4.75 %. We contact Quicken Loan who has bought out by Rocket Mortgage, and the agent name was XXXX XXXX. We provided All necessary documents i. e. income statements from retirement, pay check stubs, post-adoption income. They did a credit check that we did not get a copy of, and he order an apprasial. We wanted to pay of credit card debts of {$19000.00}, get cash out of $ 10k, and recieve a lower interest rate. We were told that we needed a value of $ XXXXXXXX for an interest rate of 2.87 %. The apprasial came back at $ XXXX whick I strongly disagreed with, and the interest rate was increased to 2.99 %. The loan was approved and scheduled to close on XXXX XXXX, 2021. On XXXX XXXX, the lender called and said that we needed more income or else the loan would not be able to fund. He wanted to see our bank statements to show additional income. We felt that it was a last minute tactic to change our rates or increase the closing costs of {$14.00}, XXXX which was more than we were getting for this loan, and so we refused, and cancelled the loan. 
On XXXX XXXX, we decided to try to refinance with a different company, XXXX XXXX XXXX XXXX XXXX. They promised to refinance our home pay off all our credit cards including my husband 's car note, provide us with $ 10k cash out, and lower interest rate 3.375 %. We provided them with ALL the docs again. Their appraisal came back at {$350.00} XXXX from XXXX XXXX on XXXX XXXX, 2021. This was a month later from the appraisal we got with Rocket Mortgage. However, they had issues with the DTI debt to income ratio. So, we agreed to changes to make the refi work. They needed to pay off both car notes in order for the loan to be approved. We agreed. These people never got back with us to keep us informed of when the loan was going to closed. We called, emailed, left message, all with not response. We got tired of waiting for them to let us know when the loan will close. It took more than 90 days from XX/XX/XXXX to XXXXXXXX XXXX. Nothing has happen yet, we decided to cancel this loan based on discrimination, and defrauding concerns. We went to the XXXX website to do a search on their company, and there were others who were experiencing the same things we were with no resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX. 2021, I became a victim of Identity Theft. I became aware of it on the morning of XX/XX/XXXX when I was thankfully able to stop a fraudulent wire transfer from my XXXX savings account. I immediately called my other banking institution to alert them and to make sure my accounts are secure. 

I contacted Bank Of America and informed them of my situation. The representative assured that my accounts are safe and he noted my account. Later in the afternoon, I received an email indicating that a " XXXX XXXX '' was added as a recipient to my XXXX account w/BOFA. I immediately logged on BOFA and removed this person, since I do not know him nor did I add him and proceeded to call BOFA to report my account was hacked. While on the phone 2 unauthorized transfers XXXX/BOFA were done from my account to this person in the amount of {$1300.00} and {$2100.00}. I informed the representative that these are fraudulent activities and I did NOT authorize them- please note this was within minutes of the transactions going through my account. 

Within few days after reporting the fraud, BOFA informs me that they denied my claim and my money is gone. I submitted all kind of documentations proving that my XXXX account was hacked and I was the victim of fraud activities on this day with XXXX and one of my credit cards, I also filed a police report documenting the identify theft. BOFA indicated they will review the info and will get back to me in 60 BUSSINESS DAYS, in the meantime, they have my money and they refuse to do a temporary credit. This is not fair. BOFA mismanaged my money and now they won't take responsibility to fix it. 

Please note I had to fax my documentations to BOFA on 3 separate occasions and they claimed they never received it. Finally, I went to the bank and had them fax. I also spoke with the branch bank manager and he told me THERE IS NOTHING HE CAN DO!

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 monetary relief