vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
Due to XXXX I had to go onto a forbearance on my mortgage with XXXX after I lost my job. During that time I continued to pay my escrow which is around {$1000.00} of the {$2500.00} mortgage payment. Each month my payment was not being posted. I had to call the organization monthly to ask that my payment be posted to my escrow. It just sat in my escrow account and was never posted as a payment, and did not reduce the amount of what's owed on the forbearance. So now I have a large amount of money ( {$12000.00} ) doing nothing for over a year. I could have invested it, or it could have been posted, so I owe less on my forbearance but that did not happen. I have called the organization probably 50 times now, having to spend about 25 mintues each time getting identified and telling my story over and over again to folks who just kept putting me back into a process, that keeps failing and they wont assign anyone to be accountable. I cant reach back to any of the supervisors I already spoke to... I was promised calls back from one supervisor in particular and that call back never happened. I just called again this morning, and they are telling me this wont be addressed until end of XXXX, which means I go through XXXX with no money. I also cant pay my mortgage, and they promised me they would waive the late fee in XXXX as I waited for my check, yet I was assessed another late fee. We are talking about a lot of money that I need during tough times. I am struggling to put food on my table and now I worry about XXXX and what I will do for money there. If I got this funding back, I could pay all my bills, reduce my credit debt, and be able to provide a XXXX for my family. Can you please help me?

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 2021-11-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
I purchased my home in XXXX of XXXX My first payment of XXXX due on XX/XX/XXXX with a XXXX I dont have XXXX -Nov of XXXX but I can find if needed... .. these are the dates that payment posted to my bank account. These are payments of {$530.00} at a fixed rate of XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ( for XXXX ) Paid XXXX XXXX paid XXXX XX/XX/XXXX. XX/XX/XXXX went on forbearance for XXXX mo, with agreement to tack these payments to back of my loan. On early XXXX went into loan modification with XXXX. XXXX picked up loan, XXXX modified again in XXXX ( I'm steady asking for paperwork on this and steady making my payment per origional modification XXXX XXXX at {$510.00}, untill XXXX they raised it to XXXX XXXX XXXX Steady getting forclosure notices past due notices. I kept calling to get paperwork on modification, and why I'm getting all these notices? Everybody gon na look into it and get back with me. NOBODY has EVER called me back XXXX have XXXX dates and times and names of who I spoke with trying to get this straightened out. Never the same person 2 times and nobody knows anything, except, that It shows all payments made on time and XXXX and that they failed to send me doc. to sign so the modification is not valid. I was supposed to be off forbearance XX/XX/XXXX ( STILL ON IT ) told them I didnt want to be on it I have complied with all the rules and because they failed to send me the paperwork It's not effective, Wrong > This is not due to any fault of my own. This is on them I asked several times for the paperwork and got nowhere My beginning loan was XXXX They say I still owe almost that much and all my payments made on the modification have been applied to past due payments ( that I should not have )! It's all a mess and I have tried to talk to them about it They have me starting forbearance in XXXX when in fact I was done in XXXX and started in XXXX ( XXXX ) plus I made a {$200.00} while still on forbearance for a total of {$10000.00} So How can they say I owe all this back payments that are supposed to be tacked to the end of my modification And they upped my supposed payment amount again! XXXX is royally trying to XXXX up my credit and my life. This has caused me undo XXXX XXXX XXXX How can they get away with treating people like this. I am XXXX yrs olds and live alone. I hope that they will be decent people and make this right according to the first modification as it should be, and get rid of past due and non payments and negative credit reports as should of been done over XXXX mo ago!!!!! How many old ladies have they taken advantage of?

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 2021-11-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reason to believe the account you are furnishing are Fraudulent and incomplete because a XXXX was filed with the company 's. According to the IRS form XXXX must be filed regardless of whether the debtor is required to report the debt as income. This make the status of this account inaccurate or incomplete and must be deleted from my consumer report. Income is not stated on any consumer report. 

Also its so many inconsistency with your reporting across the 3 consumer reporting agencies. I have Photos to prove it. it's been a few investigation all came back verified but no method of verification has been sent back to me as i requested.

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 2021-11-17 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: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I have 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. I want an answer 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 2021-11-17 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: 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 still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late/Closed XXXX  XXXX XXXX - ChargeOff XXXX XXXX  XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Several letters sent out and company contacted on XX/XX/XXXX. For the inquires shown on my report. XXXX XXXX XXXX PA XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi I received a credit card I never applied for with Citibank. The card was also made to my name and an additional card was sent with with same number to another name. I do not know this person at all. The credit card was also sent to an address I do not live at. It was sent to where my parents live. I tried to talk to Citibank regarding this and they were if no help. They would not do anything unless I gave them my social security number which I would not do. I did not apply fir this card at all. I do not want this card. I am very worried as again 2 cards were sent to me one in my name and one to another person to same address with same credit card number. Please see attached documents. 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 non-monetary relief
Consumer complaint received 2021-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries/inquiries on my Transunion, XXXX, and XXXX credit report. I recently retrieved my credit report and it showed numerius credit inquiries that I have no knowledge of ever authorizing.

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 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have tried XXXX different times, twice in person, to close out these accounts since my bank was purchased by PNC and is a mess. PNC has failed to close my empty accounts in an effort to levy fees and continue to earn off these accounts. I dont use them, I dont need them and I have transferred all my money to a real bank. I need these accounts closed. I went in person in XXXX and XXXX and they have failed to still close the accounts and will start charging me for insufficient funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17 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: 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 involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXXL - Balance {$0.00} XXXX Opened XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX {$0.00} XXXX Opened XXXX XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX i was paying down my XXXX 's credit card and did so by XXXX of XXXX. After i payed my card down to zero Comenity Bank closed my account in XXXX of XXXX without my knowledge. In XX/XX/XXXX i received a call about a balance of {$430.00} and i informed them i owe them nothing because XXXX closed my account. They did some so called investigation an said i'm responsible. How can i be responsible for a account that was closed by the vendor and my card not available to use, then they reactivated my account after XXXX months without my knowledge. I believed that to be fraudulent and immoral.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX 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 is the list of the erroneous account reporting on my Credit Report and need to update from reporting : XXXX XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have filed multiple disputes asking method of verification and I only receive an letter back stating that it was verified. How is it being verified and the information that the company have on file does not match up to me. They are violation my rights and is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I sent a letter 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.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 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. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Because of this incident, I have 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.

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 2021-11-17 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: OH

Complaint narrative:
After reviewing my credit report I notice several inconsistencies regarding the account DEPT. OF EDUCATION/NELNET # XXXX in the amount of {$56000.00} and {$66000.00} and DEPT. OF EDU/XXXX XXXX XXXX XXXX XXXX and XXXX reported closed {$0.00} balance on XXXX XXXX and is only reporting these accounts on TransUnion Report, XXXX is reporting Unfound Data. I have tried to obtain my XXXX credit report that has a freeze I did not authorize. XXXX is reporting a balance of {$66000.00} a current payment status and TransUnion is reporting a balance of {$66000.00} and {$56000.00}. Now all three of these balances cant be accurate. In addition, These accounts appear to be furnished by the same creditor so why is all the provided data differently? It is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so. Please INVESTIGATE, REMOVE/DELETE THIS ERRONEOUS ITEMS IMMEDIATELY. Let this be a formal complaint against Trans Union, XXXX, and 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 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Repeated phone calls with obscene language. Poor customer service. Rude, disgraceful, no customer satisfaction provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
involve in the process. This account is inaccurately and  erroneously reporting. Your remark says that it falls to  a charge off account while the balnce is already 0. There is no payment history also that shows a 120 days past due for this account. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623  and  according to FCRA Section 611. I have done many attempts to reach out tothe 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and  remove it from my personal credit file. Thank you. 
WFDS ***** Opened Date XX/XX/2015  Balance {$0.00} WELLS FARGO DLR SVC/ ***** Opened Date XX/XX/2015 Balance

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 2021-11-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reason to believe the account you are furnishing are Fraudulent and incomplete because a XXXX was filed with the company 's. According to the IRS form XXXX must be filed regardless of whether the debtor is required to report the debt as income. This make the status of this account inaccurate or incomplete and must be deleted from my consumer report. Income is not stated on any consumer report. 

Also its so many inconsistency with your reporting across the 3 consumer reporting agencies. I have Photos to prove it. it's been a few investigation all came back verified but no method of verification has been sent back to me as i requested.

Company response to consumer: Closed with explanation