vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 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: NY

Complaint narrative:
XXXX XXXX XXXX  account should be closed after 7 years. 

XXXX and XXXX have closed XXXX XXXX. This is 7 year old account. Additionally, the account has been reported as fraud. The account information is not correct. The Florida address does not belong to me. 

XXXX XXXX is providing equifax with falsified information. They are misrepresenting my information. XXXX XXXXXXXX XXXX is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EAST WEST BANK
State: GA

Complaint narrative:
I dropped off a payment check to my local post office to pay for my credit card bill around XX/XX/2022. The check was made payable to my credit card company for {$170.00}. The check was altered and forged to someone I do not know and for the amount of {$6400.00}. My bank, East West Bank paid the check on XXXX and in the amount of {$6400.00}. I contacted the bank as soon as I noticed and Forgery Affidavit Claim was submitted on XXXX. 
Another check was forged and paid in XXXX. East West Bank opened a forgery case for that check. I was under the impression that my account was under special care/flagged. I was advised not to close account yet as I had some outstanding checks and payments that had not cleared. How could this happen to my account again and for such a large amount?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
Hello. 
Our mortgage was issues XXXX. The original purchase price was XXXX. XXXX our remaining balance was XXXX, which is 79 %. I submitted an application to remove PMI, because our LTV ratio based on the ORIGINAL purchase price was less than 80 %. The mortgage company is insisting we provide a list of significant upgrades, whoever this should not be necessary because of our LTV ratio. I have tried to explain this to them over email and phone multiple times but the people that handle the request do not have a phone number so the people I call can not help me. I have learned that our mortgage is backed by XXXX XXXX and through phone conversations they have told me that the XXXX XXXX servicing system does not render a property value ( which I dont understand but it seems to be the issue ) I have a right to verify that the current value is at least equal to the original value by a restricted appraisal or a BPO but the mortgage company need to order this appraisal or BPO and they are not willing to do this.

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 2023-02-19 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: NC

Complaint narrative:
Equifax confirmation # XXXX, is reporting the following addresses, inquiries, name and employer fraudently Inquiry : XXXX. XXXX XXXXXXXX XXXX dated XXXXXXXX XXXX XXXX  Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX XXXXXXXX XXXX Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: NC

Complaint narrative:
Equifax confirmation # XXXX, is reporting the following addresses, inquiries, name and employer fraudently XXXX : XXXX. XXXXXXXX XXXX XXXX dated XXXX XXXX XXXX Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX XXXXXXXX XXXX Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that have been listed on my credit report. The accounts in question are as follows : XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX late payment account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX collection account XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) collection account XXXX XXXX XXXX XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX ( Original Creditor : XXXX ) XXXX collection account XXXX ( Original Creditor : XXXX  ) XXXX collection account XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account I dispute these accounts as they are inaccurate and do not belong to me. I have reviewed my credit report and have found that these accounts do not reflect my payment history or credit behavior. I believe these accounts were reported in error and should be removed from my credit report. 

Furthermore, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ) Section 609. Under this law, I am entitled to receive a copy of any information in my credit file. I request that you provide me with a copy of the documentation that supports the validity of these accounts, including the name and contact information of the original creditor. 

If the accounts can not be verified, I request that they be removed from my credit report. I also request that you inform me in writing of the outcome of your investigation, and that you send me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I'm writing to you after reading over The Cares Act provision and seeking forgiveness based on its policy. 


I noticed that my most recent credit report contains a late payment reported in XX/XX/2023 on ComenityCapital/XXXX XXXX XXXX XXXX. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I, myself and my wife both were shamefully fighting XXXX. Per a call with a rep of XXXX/Burlin and in a great attempt to maintain my financial responsibility, I was under the impression that I qualified for a deferment plan. Nothing mattered more to me than keeping my relationship and credit worthiness intact. So I expressed great concerns about the possible cons of opting into such a program. I was assured on a recorded call that all shall be well as long as I operated within the guidelines, in which I did. Sometime later I was alerted by one of my credit monitoring services that this account was flagged as 30 days late. I immediately called in and satisfied my balance. Aside from this unforeseen and unavoidable circumstance, you will see that I have excellent payment record.This has been really challenging to my credit worthiness and stressing for quite some time now. Because I felt so betrayed by this creditor, it took me a while to use this card again. Now, I ask for your mercy under The Cares Act amendment. I understand that this is only something you can rectify. I am planning on refinancing my home and it has come to my attention that the missed payment on my credit reports is hurting my ability to qualify. In my heart, I know that the missed payment doesn't reflect my solvency. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/2023 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly it. Thank you for your consideration. Have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: NJ

Complaint narrative:
I have sent letters of dispute on XX/XX/XXXX, XXXX disputing the originally {$16000.00} but is now XXXX. They responded that they had done their investigation and that the information was verified and they updated my report. 

On XX/XX/XXXX, I sent a letter requesting a description of their investigation procedures which was to be completed within 15 days as per FCRA 611 ( a ) ( 7 ) and 611 ( a ) ( 2 ) ( B ). 

On XX/XX/XXXX I asked for the item to be removed as they did not send the information requested on XX/XX/XXXX nor did they respond within the 15 days as per FCRA 611 ( 7 ).

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that have been listed on my credit report. The accounts in question are as follows : XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX late payment account XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX collection account XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) collection account XXXX XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX ( Original Creditor : XXXX ) XXXX collection account XXXX  ( Original Creditor : XXXX ) XXXX collection account XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account I dispute these accounts as they are inaccurate and do not belong to me. I have reviewed my credit report and have found that these accounts do not reflect my payment history or credit behavior. I believe these accounts were reported in error and should be removed from my credit report. 

Furthermore, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ) Section 609. Under this law, I am entitled to receive a copy of any information in my credit file. I request that you provide me with a copy of the documentation that supports the validity of these accounts, including the name and contact information of the original creditor. 

If the accounts can not be verified, I request that they be removed from my credit report. I also request that you inform me in writing of the outcome of your investigation, and that you send me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that have been listed on my credit report. The accounts in question are as follows : XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX late payment account XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX collection account XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) collection account XXXX XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX  ( Original Creditor : XXXX ) XXXX collection account CRDMGMCOMP ( Original Creditor : XXXX ) XXXX collection account XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account I dispute these accounts as they are inaccurate and do not belong to me. I have reviewed my credit report and have found that these accounts do not reflect my payment history or credit behavior. I believe these accounts were reported in error and should be removed from my credit report. 

Furthermore, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ) Section 609. Under this law, I am entitled to receive a copy of any information in my credit file. I request that you provide me with a copy of the documentation that supports the validity of these accounts, including the name and contact information of the original creditor. 

If the accounts can not be verified, I request that they be removed from my credit report. I also request that you inform me in writing of the outcome of your investigation, and that you send me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-02-19 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: GA

Complaint narrative:
I filed a complaint on Equifax on XX/XX/XXXX for not removing a fraudulent account. For another account which was removed properly at that time. 

However, Equifax added The XXXX at XXXX XXXX to my credit and this account is not mine. It is also listed on the police report they were provided. This is not my account and is included in the attached police report and needs to be removed ASAP! The accounts were reported on XX/XX/XXXX and date back to XXXX in the amounts of {$2000.00} and {$1000.00}. This is a result of fraud and needs to be removed immediately. Ive attached the corresponding police report to confirm this. 



Equifax also removed an account from XXXX XXXX that is mine. It is accurate and belongs to me. XXXX XXXX in the amount is {$27000.00}. This account should not have been removed. I did not dispute it or include it in my last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Went last XX/XX/XXXX to First Bank to make 2 transactions. First one was a cash payment of {$980.00} for a credit card balance. All fine. Second transaction was to make a cash deposit of {$1800.00} to my son 's savings ' account. Before going to the bank, like 2 hours before, I counted money twice. To pay credit card, got {$990.00} cash. For the savings deposit, I counted {$1800.00}. Put {$990.00} in my right pocket and {$1800.00} in my left pocket. First bank discontinued using deposit slips to fill for the transactions. I went to the desk were they usually had it but they had nothing there. So I went to the cashier. First transaction was ok. Second transaction, I gave her the money. She never asked how much was the amount. She went to the machine, counted money, made transaction, and gave me the receipt. Started walking to leave bank and noticed that the deposit was for {$830.00}, instead of the {$1800.00} I gave her. She stopped the operation and together with another employee, they counted all the cash that was inside her drawer. After maybe 5 to 7 minutes, they counted all and said to me that drawer had {$800.00} more than supposed. I told them that there were {$1000.00}. They said, " we counted {$800.00} so that's the amount I will credit you ''. Since it was cash and there was no way to identify the specific cash I gave the cashier, I accepted that. They gave me a new receipt with a deposit of {$1600.00}. 

I entered the account last XX/XX/XXXX to check balances and noticed that my son 's savings ' account had a lot more money less than supposed. I went to the bank to check what happened. They told me manager was going to call next day. Next day, XX/XX/XXXX, received a call from manager. She told me that they put on hold on the account to make an internal investigation were they see procedures, videos, etc, and they concluded that the extra {$800.00} didn't belong to my transaction because that amount came in a change of drawer from the previous teller. So, it's my point against theirs. Like I said to the manager, there were some irregular procedures made here and I insist I counted {$1800.00} twice and that was the amount of money given to the teller. I would like to get a neutral analysis for this case because I can't trust and don't believe that thing she told me. She even told that by looking at the cash given to the teller in the video, by her experience, she can tell if that's {$830.00} or {$1800.00}. I told her that it can't be determined by that appreciation because there could be XXXX {$100.00} dollar bills. The only thing that can convince me is that the video shows me giving her the money, and the machine says {$830.00} after counting it. What's finally determined, will be accepted. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: TX

Complaint narrative:
Last month XX/XX/2023, I sent you another dispute letter containing the list of accounts and items that don't belong to me but I still haven't gotten any update about the status as yet. Its been over 30 days. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if do not I receive the correct response.

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 2023-02-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Last month XX/XX/2023, I sent you another dispute letter containing the list of accounts and items that don't belong to me but I still haven't gotten any update about the status as yet. Its been over 30 days. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if do not I receive the correct response.

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 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: AL

Complaint narrative:
During COVID I wasnt able to make payments on time to my discover card. I spoke with a representative and was told my payments would be deferred due to the exceptional payment history. I was told the account wouldnt be closed and the interest rate would not increase. I was told as long as I keep in contact during the process everything would be ok and just make payment once Im employed again. Weeks later my card was closed and the negative account was reported to my credit. After contacting discover I was told someone would give me a call to discuss options to rectify the situation. I received a call from someone asking to make payments with a prepaid credit card. I then called Discover to verify the caller and I was told someone would follow up, I never received a call so I called back to have the issue resolved. Upon request I was told the interest rate and late fees would be forgiven equaling to a settlement of {$1800.00}. My initial payment was {$80.00} and would be automatically withdrawn. The next month the payment was not deducted and this usury has not been resolved.

Company response to consumer: Closed with explanation