vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-01 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: NY

Complaint narrative:
Equifax is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file. 

I have been complaining to Equifax and the CFPB about this matter for almost a year, but nothing has been done. 

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations. 

I was informed by XXXX XXXX XXXX XXXX that no one from Equifax has contacted them regarding these inaccurate past late pay disputes. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file. 

I have been complaining to Transunion and the CFPB about this matter for almost a year, but nothing has been done. 

Upon information and belief, no one from Transunion has taken accountability for my credit disputes, therefore no one from Transunion can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive XXXX XXXX XXXX complaints, to get Transunion to adhere to the law? Clearly, Transunion does not complete reasonable dispute investigations for consumers. From my personal experience, Transunion conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Transunion and the CFPB with this Affidavit included in this complaint and wait for a response from Transunion. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Transunion to claim damages for myself as well as millions of Americans who have been affected by Transunions FCRA violations. 

I was informed by XXXX XXXX XXXX XXXX that no one from Transunion has contacted them regarding these inaccurate past late pay disputes. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.

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 2018-12-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I contacted Experian member services multiple times over the phone since XXXX to let them know that my credit score was being reported incorrectly. This situation is unique because the credit report is correct, however the online tool they are using to report the score is pulling information that reflects a 60 day delinquency that is not on the report ( see attached screenshot ). After contacting them many times, they determined it was a membership services issue, not a credit report dispute ( there is nothing negative to dispute on the report ). It required multiple calls and speaking with different supervisors before someone finally submitted a ticket to their customer care department to begin working on a solution. I received confirmation of the ticket Monday, XX/XX/2018 ( see attached ) after over 2 months of phone correspondence with no results. The ticket confirmation requested screenshots for further investigation. I provided the screenshot to them in an email on Saturday, XX/XX/2018 ( see attached ). I did not hear from them for a couple weeks, so I followed up by replying to the ticket Monday, XX/XX/XXXX and received a reply that only said they are still working on it. XXXX attached ). Experian is still reporting my credit score inaccurately and they have not resolved the issue that is impacting my score negatively after 3 months.

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 2018-12-01 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: MD

Complaint narrative:
This Companies are reporting information that do not belong to me on my credit report. I've been denied credit because of this. I've called and talk to numerous people about this error. I am being ignored. Again these accounts do NOT belong to me. I have no idea. 

XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX/XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
On XX/XX/2018 made two purchases with XXXX XXXX XXXX at fair grounds in XXXX   County amounts of {$320.00} & {$2700.00}. I returned merchandise two days later in person with witness on XX/XX/2018 to the merchant. then came home and contacted Bank of America Visa to dispute charges, As I felt this was High Pressure sales and Bait and switch tactics by the merchant, to a senior citizen. The bank would not continue the dispute that I submitted twice. And I now have no merchandise ( nor don't want any ) and a bill for {$3000.00} to pay credit card. This is a known company who practices High pressure sales and bait and switch tactics. I feel let down by Bank of America. Case # 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 explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
I recently refinanced my home through Rocket Mortgage ( Quicken Loans ). I was told my loan was due on the first but I had until the XXXX to pay before my loan will be considered past due. 

It was going fine with auto pay until Rocket Mortgage ( Quicken Loans ) decided to change the date for their billing statement to the XXXX of the month. No advanced notice was given that if I did not change the date of my auto pay that I would be considered past due. 

It was not until I received my last billing statement in the mail that my loan showed that I was past due by one payment. 

I consider this a deceptive practice by Rocket Mortgage ( Quicken Loans ). If I now had to show my billing statement to someone in order to obtain a new loan it would show that I'm late by a payment. 

I contacted Rocket Mortgage ( Quicken Loans ) and they advised I'm not really late and it just shows that I am on the statements. This makes absolutely no sense. If I'm not really late why are my statements showing that I am. Since I am very concerned about what is on paper along with what my credit report shows this has forced me to move my auto pay date to the beginning of the month. Moving the auto pay to the beginning of the month also forces me to move up my payment by one pay check which impacts my overall budget. 

Rocket Mortgage ( Quicken Loans ) should be ashamed of themselves for such an underhanded and deceptive practice. They advertise a mortgage experience engineered to amaze and this definitely does not fall into that category. I'm completely disgusted by this billing experience. 

I would like my mortgage statement fixed to show that I was never past due since according to them I'm not and it just shows that I am. 

It makes me wonder it they think they move the statement date up that they can have more funds on hand sooner to originate more loans. If this is not the case I would like them to explain why they would do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: MD

Complaint narrative:
This Companies are reporting information that do not belong to me on my credit report. I've been denied credit because of this. I've called and talk to numerous people about this error. I am being ignored. Again these accounts do NOT belong to me. I have no idea. 

XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX/XXXX XXXX Account 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 2018-12-01 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: MD

Complaint narrative:
This Companies are reporting information that do not belong to me on my credit report. I've been denied credit because of this. I've called and talk to numerous people about this error. I am being ignored. Again these accounts do NOT belong to me. I have no idea. 

XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX/XXXX XXXX Account 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 2018-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
My mortgage was transferred to Caliber Home Loans. I have everything set up for auto-pay, so I had no complaints for years. 

I sentan extra principal with my normal payment with a payment stub in XX/XX/2018. The stub indiciated that {$10000.00} was for pricinpal, and {$1300.00} was for the regular monthly payment. The lender applied the entire amount to principal on XX/XX/2018. I received a letter XXXX week saying that I did not send my monthly payment in. 

I called the lender the week I received the letter to inquire about the issue. The representative explained that they did not receive a payment stub and that the payment was applied to principal. I do not send checks by themselves in envelopes. I asked the representative to resolve the issue by applying XXXX to principal and XXXX to the regular payment on the original date. The representative put in a request to fix the issue. 

I checked the mortgage account on XX/XX/18 and noticed adjustments were made on XX/XX/18 and not backdated ( XX/XX/2018 ). Instead of resolving the issue, they took the same amount ( XXXX + XXXX ) plus the next monthly payment ( XXXX ) and applied it all to principal. So they made the situation worse. My account is now 2 months behind on payments even though they received addiitonal money. I called customer service and the representative has put in a second request to try to resolve the issue. I was told the turnaround is XX/XX/18 and it is possible the information will be reported to the credit agencies before they can resolve it. In addition, they applied a {$15.00} charge to my account on XX/XX/18 for no reason ( which was later reversed, but they did not communicate any information about this mysterious mistake charge ). 

I pay my mortgage on time and have never been late. This lender 's mistakes are at risk of damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
I am on Social Security XXXX and have been trying to modify my home loan to make the payment more affordable. Carrington Mortgage has been dragging their feet, losing documents I send them, and trying to stall the modification process as long as they can.

I have sent Carrington Mortgage ALL the information they requested and I am currently working with them to get the loan modified, but they just sent me a Notice of Trustees Sale! 

I have no other place to go and Im XXXX! I dont want to live in the street! 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My employment history and other personal information was reported to someone else 's name and credit bureau report. Trans Union agency and possibly others have reported my personal employment record and other information to one : XXXX XXXX XXXX and possibly other people. 

This comprimises my identity, privacy, etc.

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 2018-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am unable to pay my mortgage on my home and I was able to obtain a short sale buyer that was willing to give the lender more than the appraised value. The offer was {$450000.00} and the appraisal was {$480000.00}, so the offer is within almost 93 percent of the appraised value. The bank is refusing to permit a short sale on this although I clearly qualify for one. I do not want a foreclosure sale or deed in lieu is this matter both of which have negative implications, while at least in the short sale it will indicate funds were paid to the bank towards the debt I owe. Furthermore, the tax implication is great because at least I know I am getting almost the entire value of the home in this short sale. If the bank takes the home or forecloses on this my accountant advise me the XXXX deficiency may be greater for the IRS and my tax liability would be greater.

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 2018-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MD

Complaint narrative:
This is a partial copy of the letter sent to the lending company : I am writing to share my frustration and disappointment in one of your Loan Officers, Mr. XXXX XXXX. I am at a complete loss at his level of incompetence and inability to reach settlement on the above listed property. To date, he has missed three closing dates for one bogus reason or another. Despite the mess he has created, he has yet to take ownership for being ill-prepared and failing to ensure all documents were in place for the scheduled settlement dates. 

The following are the dates missed and the rationale given : XX/XX/XXXX date moved to XX/XX/XXXX - No reason given XX/XX/XXXX date missed and moved to XX/XX/XXXX - I was told that HUD wanted to audit the file because multiple contracts had been made on the property and the contracts had failed to reach settlement. I have not spoken to one lender who has ever heard of HUD wanting to audit a file for such a reason. 
XX/XX/XXXX date missed and moved to XX/XX/XXXX - he failed to confirm buyer 's rental history and underwriting needed the former landlord to confirm dates of rental history. At this time, HUD supposedly still wants to " audit '' the file but they will not delay the settlement as the audit is completed. 
XX/XX/XXXX date missed and unable to schedule another settlement date - the buyer has a gap in her employment history, therefore her existing loan is null and void. Why wasn't this discovered and addressed a long time ago? How is something as basic as employment history not addressed in the beginning stages of preparation for settlement? 

I am hoping that you are able to intervene and possibly assist him in closing this deal by XX/XX/XXXX. Not only is this a hardship on me, the seller, but the buyer has been on an emotional roller coaster as well. If I am unable to sell this property by XX/XX/XXXX, I will be forced to terminate this contract and rent the property. I have absolutely no desire to rent this property, but I can't afford to wait until Mr. XXXX  figures out how to do his job and actually reach a settlement on this property. When I told him I may have to rent it because I can't prolong this case any further, he actually had the audacity to suggest that I rent it to the buyer. What kind of pathetic loan XXXX would say something like that? Doesn't that go against your industry? Why purchase or sell a home if everyone should rent?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC.
State: MA

Complaint narrative:
We were sold by XXXX to a servicer called XXXX in XXXX. That servicer joined another company and changed its name to XXXX XXXX. in XXXX. This is when our troubles began. XXXX/XXXX   stated that they would be starting an escrow account for us because they alleged we had not paid property taxes. We should proof that these taxes were already paid and the company persisted anyway and started and escrow account increasing my mortgage by {$400.00} then added insurance ( forced placed ) which increased our mortgage by another {$200.00}. The company has refused to remove the escrow even after proof of their error was delivered to them as requested. Soon we could not make out mortgage payments. A QWR was sent to the lender and it was found that the note which is the basis of our mortgage was a forgery dating back to XXXX. XXXX XXXX then made forged documents claiming they were the servicer in XXXX when in fact the company did not have anything to do with us until XXXX when they partnered with XXXX and took over our loan. They have since sold the loan to XXXX XXXX in XX/XX/XXXX. We did a QWR to them also and not more than two weeks after receiving the documents and learning of the fraud the sold the loan to Konduar Corporation. I have sent this company a QWR request and found that XXXX XXXX has just within the past week submitted an assignment of the mortgage to KONDUAR claim ownership of the loan. Please note our original loan on the home was not in XXXX but in XXXX for the amount of {$170000.00}. The current loan when we left XXXX was XXXX some 18 years later. We have been informed that the home in XXXX was upside down in valuation. approximately XXXX we did not borrow XXXX on the home and the mortgage not is a fake document. besides no back would have made such a loan with a house upside down. The lawyer XXXX XXXX in prison for fraud on home loans and was the initial lawyer for our loan. Still, the current loan in XXXX XXXX claims to have been our servicer. This is a lie .... Now the company is threatening to foreclose on out home after 18 years of living there. we coudl use some help in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
University of XXXX has been on my report since XX/XX/2011 thats 7 years and one month I would like for it to be DELETED IMMEDIATELY I have disputed this account recently and their response was that this account has been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have been a XXXX store card holder since XXXX. Recently they sent me an upgraded credit card ( American Express ), that I was supposed to call and opt out of by XXXX ( per customer service XX/XX/XXXX ). 

I was not able to cancel this upgrade when I talked to customer service. 

End result : I have a credit card I didnt apply for.

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 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I received an email alert from Experian notifying me my credit was ran, " Alert : Change to your credit file detected. '' Upon further research my report indicates " XXXX Card '' was able to view my credit file. 
1. I did not authorize this inquiry 2. I have a credit freeze in place with Experian Due to my concerned of fraud and identity fraud, that I have had a credit freeze on my account for many years. This is troubling, as I expect a credit freeze would prevent the release of my credit information. 



Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation