vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: PA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I have made two calls to Freedom Mortgage- which has taken over 45 minutes out of my life, and still don't have what I requested 4 times ; once in my initial call and 3 times in my subsequent call. All to no avail. 

I have requested an audit of my escrow account from its inception to a current date ; with what has been add from mortgage payments, what withdrawals/distributions have been made and for what & to whom and a running balance. 

Freedom can forward this information can be faxed to me at XXXX or emailed directly to me at 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 2023-03-31 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: FL

Complaint narrative:
I was denied a apartment based off of XXXX XXXX XXXX report stating that I have a landlord debt of {$370.00} when in fact the debt they are listing as a landlord debt is a cable company XXXX, XXXX XXXX XXXX reporting this information incorrectly is preventing me from obtaining a safe place to live, XXXX is providing this incorrect information to XXXX XXXX XXXX which is preventing me from getting a home.

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 2023-03-31 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: Park Hill Holdings
State: FL

Complaint narrative:
I was denied a apartment based off of XXXX XXXX XXXX report stating that I have a landlord debt of {$370.00} when in fact the debt they are listing as a landlord debt is a cable company XXXX, XXXX XXXX XXXX reporting this information incorrectly is preventing me from obtaining a safe place to live, XXXX is providing this incorrect information to Safe Rent Solutions which is preventing me from getting a home.

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 2023-03-31 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Experian, XXXX and XXXX has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted 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 inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX  XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date 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 explanation
Consumer complaint received 2023-03-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom it may concern, Since XXXX, XXXX 2023 I have been attempting to dispute some negative, inaccurate remarks on my credit file. 
In doing so I have adhered to all requirements that are required to open a dispute with XXXX. 
I have mailed this company dispute letters including three forms of ID verification also including the required address verification and yet this company has illegally refused to open investigations. I have attached the dispute letters that I have mailed to them, along with each form of ID, and I also have attached the bogus unlawful stall letter that this company has repeatedly sent to me twice with no valid merit in doing so as I have complied with all verification requirements. 

Even the credit repair company who drafted up my dispute letters have mailed this company " along with dispute letters '', a Credit Dispute Authorization Letter in which plainly identifies the company and clearly has my signature and Ip address on it which verifies my authorization for this company to dispute on my behalf. 

There is no legitimate reason for this company to reject my dispute letters. I also have attached screenshots directly from their website that clearly state their Identification requirements, and this proves that I followed correct protocol.

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 2023-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
RE : Caliber Home Loans - My mortgage was in arrears. For that and other financial issues I filed XXXX XXXX Bankruptcy. I successfully completed the 5 year payback and an Order of Discharge was issued by the court in XX/XX/XXXX. I recently tried to refinance my home through XXXX Mortgage with the VA funding the loan. Everything went fine until the VA asked for an explanation of the Deferred Principal amount. The XXXX broker advised that there had to be a loan modification agreement or Forbearance. Both he and I searched the County Court Official Records, bankruptcy Court records and could find no such agreement. I called my bankruptcy attorney who stated that there was never a loan modification done during the pendency of the bankruptcy. He also advised that if there had been Federal law states that both parties would have to agree and the bankruptcy Court would have to approve any such modification. Again there is no such Order in the Court file. After the Discharge was issued I got rid of all the old mortgage statements however when this issue came up I searched my files and did find a mortgage statement dated XX/XX/XXXX and at the time there was no deferred principal listed. The amount was just listed as Outstanding Principal. That was just 90 days before I filed bankruptcy and in fact had already retained legal counsel by then. XXXX XXXX took over the servicing of the loan in XX/XX/XXXX and at that time a deferral principal amount was showing on Caliber 's mortgage statements. A representative from XXXX XXXX  stated they had a copy of a Caliber Mortgage statement dated XX/XX/XXXX and it was showing then so sometime between XX/XX/XXXX and XX/XX/XXXX it somehow was showing deferred principal. Both the XXXX broker and myself have been on the phone with Caliber Mortgage on two separate occasions. Each time the first person we spoke with stated they could find no such modification agreement. We were put on hold each time to be transferred to someone else and each time the phone went dead. I have since requested in writing via email that Caliber furnish me with any documents relating to the loan modification and they have not responded at all. XXXX Mortgage states this is the only issue holding up being able to close on this loan. I don't understand why they just won't produce this documentation. I can't refinance I would imagine I am going to have a problem selling if this same issue comes up. Please help me get the documentation for this loan modification as the VA and XXXX Mortgage states that it has to exist. Did Caliber do something unethical or even illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: LA

Complaint narrative:
You don't have a category for the mortgage company Fifth Third Bank failing to pay me. I received a check from my insurance company for hurricane repairs that I sent by overnight at a cost of approx {$30.00} to the company to coendorse. No check was returned to me. Per a Fifth Third Loss Draft Supervisor 's instructions I had the insurance company cancel the check and resend. He refused to refund me the expediting fee I paid. He told me I should have it cancelled and get a new one then sent me, and if I wanted I could include a prepaid overnight envelope. I did all of that, which means paying another approximately {$60.00} in expediting fees. I overnighted the second check XX/XX/XXXX and included an envelope to overnight the coendorsed check back to me. As of XX/XX/XXXX mail delivery the company has not overnighted the coendorsed check back to me. XXXX confirmed that they received it on XX/XX/XXXX. I have already paid the XXXX to start the work, which commenced XXXX. They work is done today and the XXXX needs to be paid. I opened a complaint with Fifth Third and they put the complaint on check one which was not the one I put the complaint on. The person they put on the investigation is on vacation until XX/XX/XXXX. On XX/XX/XXXX I called the number to talk to someone in her absence at the office of the president. That person, XXXX, was unhelpful and didn't seem to even be listening to the details. She transferred me to the loss draft department and didn't even stay on the phone to learn what they had to say about the check, indicating that she is not actually investigating this. XXXX at the Loss Draft Department could not tell me when the check was mailed exactly or when it will be received. She did say that they used my postage. ( Note check # XXXX has never been received anywhere and all I have to go on that they mailed it is their word, which seems unreliable. I suspect that they never even mailed that first check at all. It didn't show up late. It has showed up never. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: PA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: CA

Complaint narrative:
They call me one day on the phone in XX/XX/XXXX and said I owe {$9200.00} they said it was a rent bill from XXXX of XXXX. I told them thatXXXX I had never receive any information from that company say that I owe this money No email, No phone Call. So I ask them to let check on the amount they was saying I owe and she said ok and the next day it was reporting to my credit report .They did not work with me they did not give no time to check out, gather paper work or to work out a solution with them at all I feel my right was very VIOLATED by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
On XX/XX/2023 I applied for credit with FORD CREDIT and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a Ford XXXXXXXX XXXX fully loaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I complaint to CFPB on XX/XX/2023 for missing the Cash Rewards from Bank of America. The case number is XXXX. I think I paid the XXXX 's bill, but they said not. They dont let me know why I already paid but they still said no pay. After that they write a letter to discontinue my current program and transfer to another completely different plan since XXXX XXXX without my prior consent.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dispute with credit card : XXXX XXXX Dispute with chase debit also with child support payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also 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 2023-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone called Citibank on XX/XX/23 at XXXXXXXX XXXX and got themselves added as another person on my and my husband 's joint account ( 30 years with the account ). They were able to get Citi to give them an ATM, open a new account, transfer all my savings and then go to a teller and withdraw {$10000.00} my money without even an email notification at XXXXXXXX XXXX on XX/XX/23, teller # XXXX. I use my mobile app all the time to transfer funds and pay my credit card, etc. and ALWAYS get notifications. I have never shared my account information, passwords, login info, pin or ANYTHING with ANYONE. A total of {$36000.00} was taken from my account without notification of ANY KIND from Citibank. Upon reporting to Citibank 's fraud department, I was told there was another case just this week exactly like mine. Apparently Citibank has a security problem. They have said they will refund the money to me on a PROVISIONAL basis within 10 days, but I am worried. I have a college student in my household who needs my financial assistance. Citibank needs to make this right and protect my money, security and interests.

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 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX I submitted a dispute since I recognized that there was a substantial charge on my account that was not mine. Citibank denied my claim, did not file a chargeback since they assumed that the charge was correct. If you look at my spending patterns this charge for {$4200.00} on XX/XX/XXXX does not match up. The bank is holding me responsible for a charge that I suspect was made on my old phone that I sold. The XXXX XXXX wallet must not have been removed properly before I sold it and someone managed to use my information to make the purchase. I need the charge credited back to my Citi credit card account.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I hired a credit repair service for what i thought was a lot of money ( XXXX to enroll then an additional monthly fee ). But i needed my credit fixed. A few months later i checked my credit and nothing had happened. I cancelled the service and they continued to harrass me saying that i owed them money but no work had been done on my file. Now i have a collection on my report for XXXX? There is no way i owe this. As no work was done on my file. I've tried disputing this with the credit bureaus but haven't had success. Please help me in getting this collection off my credit report.

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 2023-03-31 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: AE

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I dispute the debt claimed by Chase Auto Finance and have requested validation of the debt. Despite my requests, Chase Auto Finance has failed to provide the necessary validation, which is a violation of the TILA and FDCPA. In order to resolve this matter, I am requesting that Chase Auto Finance provide me with the following documentation : a signed invoice and a copy of the contract signed by both parties, binding both parties, as well as verification of the debt from their actual accounting. 
Additionally, I reserve all of my lawful rights without prejudice and do not accept any contract unless it meets the four essential conditions for a legally binding contract, which are full disclosure, equal consideration, lawful terms and conditions, and the wet ink signatures of both parties. 
I am willing to pay any alleged financial obligations that I may lawfully owe, but only if Chase Auto Finance provides the required documentation and meets the essential conditions for a lawful contract in compliance with all applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Select Management Resources, LLC
State: AZ

Complaint narrative:
This was a cease and desist violation. Lender has contacted third parties and disclosed debts. Lender has refused to discontinue contacting third parties after multiple requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief