vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I had an emergency at work and went to hospital which all bills were paid by XXXX XXXX XXXX XXXX. This bill I didnt receive at all because it was sent to an old address that I did not reside. It was two separate doctors bills that is separate from the hospital which I had no clue. I was able to work with one and had it paid but this one is not sending it to XXXX XXXX which they should have in the first place. They sent it to collections and I didnt know if the bill but when I called the company they got nasty and the credit service is unable to clear it up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have an obvious duplicate hard inquiry on my account. It is from the same company, XXXX XXXX, on the same day. I've requested removal via dispute and TransUnion will not open the dispute without the XXXX opening it. I find this to be against the FCRA dispute standards. Additionally, if these companies are responsible for creating complex algorithms to detect credit risk, they should be capable of suppressing obvious duplicate data. I shouldn't have to do anything as this agency which has been tasked with accurately detecting credit risk should be able to identify obvious duplicate data. On my XXXX XXXX report, the same inquiry shows XXXX  times and is one of the factors that is showing as a problem on my credit report because instead of XXXX inquiries it looks like I have 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 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had a dispute over a {$170.00} origami purchase for over a month on a foldable butcher block rack that caught my fingers badly. Put the rack back in its box and immediately told the vendor to send a smart label because the product is dangerous. They gaslighted me. I disputed the merchandise and Chase gaslighted me as well. Ive called chase five times and sent XXXX more than a dozen emails. Im glad to return the item but its over 50 lbs. and I am under doctors care when hurt my leg. No one will address the issue. Chase just hung up on me. Their letter of depute was answered with a chase letter than theyre handling and have credited my account. Theyve done nothing and my account is paid in full each month. Its obvious chase dispute department gaslights customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: Freedom Mortgage Company
State: CA

Complaint narrative:
Dear Sir/Maam : I am writing to dispute the following information in my file : Freedom XXXX Home Loan, Account Number : XXXX You will also find this item circled on the attached credit report. The item I have identified is inaccurate because Of the Issues in closing the loan between XXXX XXXX and Freedom XXXX. I am requesting that this item be deleted in order adequately reflect my true credit history on the attached report. 
We opened escrow on XX/XX/2021 and the escrow office received the payoff amount in XX/XX/2021 the payoff was rejected do you Freedom had made the taxes and the payoff was rejected on XX/XX/2021. On XX/XX/2021, I started to received calls stating that my payment was missed, and it need to be paid asap. At this time, I was unaware that the escrow payment was rejected and returned to XXXX. I was never informed by either of the companies. I am now showing that I have a 30-day late in XX/XX/2021 for a missed payment that both companies stated was not due because of Escrow. The loan was paid in full + the taxes were paid twice. I was told by both companies do not make a payment. I have never missed a house payment!! 
In my calls to Freedom Mortgage, this has been a very frustrating process to navigate at I have spend hours on the phone and to only be hung on multiple time. When asking to elevate my calls to a supervisor again after being on hold 1-2 hours the calls have been disconnected or I have been told that I will receive a call back have never received a call back. 
During the process, I was also losing my husband to XXXX and was his full-time caregiver. I truly feel taken as advantage of. I am XXXX ( XXXX XXXX XXXX ) and have been spoken very rudely to by Freedom Mortgage on multiple occasion when trying to resolve this issue. As stated above, I have NEVER missed a payment on my mortgage and feel this derogatory mark is very unjust.

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 2022-02-15 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: MN

Complaint narrative:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXX Balance {$340.00} XXXX  XXXX XXXX Balance {$7.00} XXXX XXXX XXXX Balance {$12.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX  XXXX Balance {$1200.00} Collection XXXX XXXX Balance {$310.00} XXXX XXXX Balance {$4100.00} XXXX XXXX XXXXXXXX XXXX XXXX {$43.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XX/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 non-monetary relief
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

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 2022-02-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2022-02-15 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, I paid my account in full {$340.00}. On XX/XX/XXXX, I was charged a {$8.00} finance charge. On XX/XX/XXXX, I received a statement in the mail stating that I owed {$35.00} ( XXXX FC + XXXX Late fee + XXXX Minimum finance charge + XXXX Late fee + XXXX Minimum finance charge ). Once I got the statement I paid the {$35.00} and called Comenity Bank. I was advised to send a secure message on my online portal, which I did and have not received a response. On XX/XX/XXXX, I called back and talked to XXXX and XXXX and they said they were not able to help me. My credit took a XXXX  point hit and I would like this reversed as I have never made a late payment and I paid the account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Fraudulent Inquiries on Equifax : XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TN

Complaint narrative:
I sent an FTC report to XXXX also attached documents, XXXX  never responded. I also attached factual errors and they are still reporting the fraudulent accounts on my consumer reports.

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 2022-02-15 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: TN

Complaint narrative:
I sent an FTC report to XXXX also attached documents, XXXX never responded. I also attached factual errors and they are still reporting the fraudulent accounts on my consumer reports.

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 2022-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I need a mortgage verification letter and/or loan summary letter that indicates my student loan balance is waived and/or at a {$0.00} balance. I am not able to print one from the Nelnet website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TN

Complaint narrative:
I have resided in Tenn since XXXX on XX/XX/XXXX there was a attempt to open a account with XXXX XXXX Bank to get a car loan in California. I called XXXX XXXX and they confirmed someone did indeed tried to open a account but they blocked it since I have alerts placed with all 3 credit bureaus stop fraudulent attempts to open accounts without my knowledge and alerted all 3 bureaus of attempt to open account in my name, XXXX and XXXX removed it from my report, TransUnion on the other hand still refuses to remove it from my report saying that is my responsibility to prove that its not me who did this. So could you please look into this matter and hopefully resolve it so TransUnion will remove it from my report. 

Thank you 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 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
EVERY YEAR I REVIEW MY CREDIT. I BEEN TRYING TO FIX AND ACCOUNT NOT MY WITH MIDLAND CREDIT MANAGEMENT FOR A BALANCE OF XXXX, WHICH IS NOT MINE. I EXPLAINED TO THE COMPANY AND THE ONLY OPTION GIVEN WAS TO MAKE THE PAYMENT. 
TRIED TO DO A DISPUTE WITH THE CREDIT COMPANIES BUT WAS UNSUCCESSFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TX

Complaint narrative:
I never authorized any of these creditors to pull my credit report. I respectfully ask that all unauthorized inquiries be Deleted immediately from all three credit reporting bureaus upon investigating each unauthorized inquiry. 
XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
I was part of the Covid 19 forbearance and have applied for a partial claim/loan modification. I have sent all documents and they keep saying They dont have lien release paperwork when it was released XX/XX/XXXX and XX/XX/XXXX. Its been 3 months and I still dont know whats going to happen and they refuse to let me make a payment. I call everyday since XX/XX/XXXX. They wont let me speak to someone and dont tell me in a timely fashion information. Rushmore loan is the mortgage company and I have a FHA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-15 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXXXXXX Balance {$360.00} XXXX XXXXXXXX XXXX Balance {$7.00} XXXX XXXX  XXXX Balance {$12.00} ND XXXX OF XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX Balance {$1200.00} Collection XXXX  XXXX Balance {$310.00} XXXX XXXX Balance {$4100.00} XXXX XXXX XXXXXXXX XXXX Balance {$43.00}

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