vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
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. They have 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 are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: GA

Complaint narrative:
Hello I was looking at my credit to see if I can go start looking for a new home. I see some accounts on my credit that I honestly dont know anything about. I hope that you all can help me with this. You all help XXXX of my friends that this also happened to. I was told to file and compliant with the FTC and I did. I doing this on my own behalf and need some help. Im asking for you all to remove the accounts off my credit XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: GA

Complaint narrative:
Hello I was looking at my credit to see if I can go start looking for a new home. I see some accounts on my credit that I honestly dont know anything about. I hope that you all can help me with this. You all help XXXX of my friends that this also happened to. I was told to file and compliant with the FTC and I did. I doing this on my own behalf and need some help. Im asking for you all to remove the accounts off my credit XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
REF : Letter of Explanation for Dispute on Huntington Bank Mortgage Dear To Whom it May Concern : I have never been late on any mortgage payment on this loan or any other mortgage loan. The only late payment, which was erroneous, was on XX/XX/XXXX for Huntington Mortgage ( XXXX ). 
Forbearance I entered into forbearance in XXXX due to my tenant having employment issues as a geriatric nurse. XXXX removed me from autopay due to forbearance agreement. I called them back in XXXX XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to discuss restoring autopay for my loan and completing the Forbearance Agreement. They finally sent documents to end the forbearance in XX/XX/XXXX. XXXX stated in XXXX that they tried to reach me several times in XXXX but we discovered they were only trying to reach me on my new XXXX fax line ( XXXX XXXX ) which I never answer. I stated they must call me on my cell phone of XXXX  years ( XXXX XXXX ). 
Payments I continued to make several payments such as XXXX, XXXX and XX/XX/XXXX even though I was still in forbearance. This shows I was actually ahead in my payments. I talked again on XX/XX/XXXX to make another payment and to begin autopay. XXXX stated that the autopay will take affect on XX/XX/XXXX and that I must continue to make manual payments for XXXX and XXXX. I called again on or about XX/XX/XXXX to make another payment since the online website was still having issues with being able to complete an online payment. It was my understanding that the XXXX person was completing another phone payment for me. 
I then called in XX/XX/XXXX to make my final manual payment for XX/XX/XXXX. They told me that they were still waiting on the XXXX payment and that it was already over XXXX days past due. I was extremely upset since I was planning for XXXX  years to perfect my credit and Refi my mortgage. I attempted many, many times to restore XXXX since that is the simplest and most reliable method for payment. It seems XXXX was not able to : XXXX simplify the process of completing the forbearance agreement, XXXX restore autopay while forbearance was being completed for months XXXX correct any online issues to make online payments. 
I have kept up with my payments for decades and now is the time I need to capitalize on my excellent payment record. However, I tried many, many times to avoid this type of incident since it was possibly affect my credit rating and my new mortgage payment by a large amount. 
I am requesting that HM reverse the late payment for XX/XX/XXXX so I can move forward with my well-earned credit rating. 
Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TN

Complaint narrative:
None of the Collections listed in my letters are verifiable and the accounts are also in violation pursuant 15 U.S. Code 1681a ( 2 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
After a pre-approval for the mortgage, I sent the signed sales agreement in on XXXX. XXXX, 2021. I had no response until the second email on XXXX XXXX. The whole process was one of not getting a response to phone call or email. Sometimes he would respond almost a week later. On XXXX XXXX th. - XXXX  days before closing- they asked for more documents to complete the loan. I sent some and my previous bank sent the rest on the XXXX. When I asked if they received the documents there was no response. On the day before closing they finally respond and say they couldn't open the email and don't have the required documents. And closing date has to be pushed back a week. We still didn't have closing and I can't get in contact with them. Overall it was a terrible experience and one of trying to get them the needed documents. They usually did not acknowledge whether or not they received an email until a couple days later. Some of the documents they ask for I had already sent previously. They still have not confirmed that they have all the required documents. - I can't send the documents if they don't tell me what to send-. I tried to contact the manager and just received his voicemail. I left him a message and he never returned my phone call. I do not reccommend dealing with this bank for any lending services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TN

Complaint narrative:
None of the Collections listed in my letters are verifiable and the accounts are also in violation pursuant 15 U.S. Code 1681a ( 2 ) ( B )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
None of the Collections listed in my letters are verifiable and the accounts are also in violation pursuant 15 U.S. Code 1681a ( 2 ) ( B )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2021 I made a payment of {$1500.00} on my BMO Harris Bank credit card, by check from my XXXX XXXX checking account. While the bank deducted the sum from my bank checking account, they did not deduct that amount from my credit card statement. 

I called them and then wrote them on XX/XX/2021. In XXXX, I received a letter asking me to call them, which I did. I was told that someone would get back to me. In XXXX I wrote to them again. To date, I have heard nothing else from them. 

The matter has yet to be resolved in my XX/XX/2021 statement.

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 2021-11-23 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: TX

Complaint narrative:
On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over XXXX days later I have not received a response yet. I feel like I am being wrongly treated, ignored of my disputes, as well as having my Privacy violated under 15 U.S. Code 16 81 ( A ) ( 4 ) due to the items being reported. I believe failure to look into these items within XXXX days gives a reason to quickly remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. There is a FTC report as well due to My information also being impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have written to this company XXXX times!!!!! They have never answered my letters. I also faxed them XXXX times. 
Finally they sent a follow up to you today and claimed this case is CLOSED. BUT IT IS NOT CLOSED AND SHOULD NOT BE CLOSED. 
They are trying to collect money for insurance on a House I DO NOT OWN. 
I have told them I do not own it. XXXX times over and over .... I have asked them to check with the title company to verify this. XXXX XXXX XXXX XXXX XXXX XXXXTheir response was to send back a copy of the recorded deed stating that it is valid. IT IS NOT VALID. IT was reconvened and taken off the property on XX/XX/XXXX!!!!!!!!!!!!!!!!! 
LOOK AT THE ENCLOSED DOCUMENT!!!! 
It is a FULL RECONVEYANCE!!! THAT MEANS they do not have ANY security instrument in the property!!!!!!!! ZERO! 
There is NO VALID deed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! So as such they CAN NOT charge me for insurance on a house that has NO DEED. 
Just because they see a deed in their file from XXXX, does not make it a VALID deed!!!! 

IT WAS RECONVEYED!!!!!!! XXXX. 

GO LOOK IT UP you XXXX 

This house was sold and is no longer owned by me. the new buyer had a full title insurance policy. THIS LENDER HAS NO RECOURSE!!! Are they stupid to think they still have a deed. Well here is the proof attached. A FULL RECON!!! hope they know how to read, because it doest get any more clear cut then the words FULL RECON!!!!!!!!! 
There is still a note which I am paying for principal and interest. I am not disputing my debt. I am only disputing the need to pay for insurance on a house I do not own!!! They have fully reconvened any security interest in the property. They have no interest to protect. They can not ask for any insurance to protect a house that they DO NOT HAVE a valid security interest in. that is no different than me placing insurance on a random strangers house and making them pay me back. They are giving me no choice and holding me hostage for money I DO NOT OWE!!!!! and money they have no legal right to collect. maybe they would rather me hire an attorney and sue their XXXX!!!!! 
This madness needs to stop.

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 2021-11-23 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: MA

Complaint narrative:
I have sent Transunion XXXX separate certified letters on XX/XX/2021 and XX/XX/2021 that were signed for and received on XX/XX/2021 and XX/XX/2021 ( and I have proof ) regarding the negative and incorrect reporting of a {$2400.00} charge off on my credit report regarding an account from XXXX XXXX. In my second dispute letter I let them know they failed to comply with the law and they must now remove the item from my credit report, yet it is still being reported. They have failed to respond both times within XXXX days and failed to provide me with copies of any documentation associated with this account, bearing my signature which is a violation of federal law. Therefor they were supposed to immediately delete that information off my credit report. I clearly also stated I did not consent to XXXX or any other automated means of verification. Attached you will find proof of both of my letters sent via certified mail and proof of being signed for via certified mail receipt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TX

Complaint narrative:
I submitted a dispute regarding the inaccuracy of my account with XXXX ( XXXX XXXX XXXX ) in XXXX of this year via XXXX Mail. Equifax Verified this account as being accurate. I also requested a method of verification as is my right per FCRA. They responded with a canned response leading me to believe they did not conduct a proper investigation. I reviewed the account again and there were XXXX factual inaccuracies several of which are direct FCRA violations. I sent a XXXX letter which showed the XXXX XXXX and I detailed all of these issues. How on earth did Equifax verify this account as being accurate when it contained all of these factual errors and FCRA violations? I instructed them in a XXXX letter to delete this account in XXXX days or I would start filing complaints. It is obvious that Equifax never followed the law and conducted a thorough investigation. In fact, based upon the outrageous way this account was reporting, I truly believe Equifax never conducted a proper investigation or perhaps worse, lied and simply auto verified this account. I have attached a copy of the third letter which documents all of these inaccuracies and violations. To my mind after reading FCRA a dozen times, when an account is verified as being accurate, the data should reflect the industry standard of Maximum Possible Accuracy. Equifax failed to do it's job and willfully continues to report this account even after they were made aware the data was false and inaccurate. XXXX XXXX Promptly deleted the account upon receipt of the exact same letter. Equifax should not be able to operate above the law and ignore the obvious issues with this account. It should be immediately deleted and Equifax should be dealt with to the limit of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: NC

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 sent letters to XXXX Credit Bureau from XX/XX/XXXX to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my Inquiry are continuously reported on my XXXX Credit Report. That means XXXX failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I received a promotional offer with an invitation code to the Bank of America XXXX XXXX  credit card. I used the code and applied on XX/XX/XXXX. On XXXX I received an email stating that my application could not be approved and a letter would be sent to describe why. On XXXX I received the adverse action notice with incorrect adverse action reasons. 

On XXXX I wrote an mailed a letter to the address provided on the adverse action notice. In the letter I stated : " There were XXXX adverse action reasons provided on my letter. The first is XXXX or more of your accounts were written off as uncollectible and/or have settled for less than the total amount owed. Neither of the reasons in this or statement are correct, and I have verified with the XXXX credit bureau as instructed on the letter. I have never had any outstanding loan not paid on time nor paid in full in my entire credit history. 

The second reason was Current or past delinquency on XXXX or more of your accounts with us and/or our affiliates. Again, I have never been delinquent, ever, in my entire life on any account including those issued by B of A  and its affiliates. I verified this fact with XXXX. 
" On XX/XX/XXXX I received a second adverse action letter ( Dated XX/XX/XXXX ) that was identical to the first. B of A completely ignored the context of my response and just resent the first letter a XXXX time. 

My complaint is that B of A is sending incorrect/invalid adverse action reasons on their denial letter. 

The reference number for my denial letter is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
The XXXX  direct deposited our stimulus  check into a Wells Fargo account that we've never had ... when I call Wells Fargo and give them the account information they say they've never had an account like that ... .I have put in and waited on XXXX tracers ... still haven't got any answer and no money ... it was mine and my husband 's -- XXXX XXXX XXXX XXXX XXXX XXXX it was a XXXX check ... I have the account information that the XXXX give me and it's an account with Wells Fargo and herei Is the account and routing number they supposbky deposited into ... XXXX ( routing number ) XXXX..also Wells Fargo says they don't have account numbers that long ... when I liked this up online it said it was a wire transfer??? IDK but we have not received and we've tried for a year to get our money and I don't know what to... .please help me... .my Gmail is XXXX and phone number isXXXX.thank you so much

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 2021-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
First Federal Credit has a medical bill on my credit report that is not mine. Its my ex husbands and the debt was after my XXXX. I have disputed this and it was included in my bankruptcy just trying to get it off my credit and this company refuses to remove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation