vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems
State: NJ

Complaint narrative:
Hi, i had an automobile accident at my workplace the day i went to the hospital to get checked. I filed an accident report and also a job report and sent it to the hospital via fax. Any bill associated with the accident should have been resolved through the company and my job. I did my part in filling put all the information and sent it through fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: AR

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: AR

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX 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 2022-03-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account number : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX has violated my rights. 
XXXX U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Social Finance, Inc.
State: NY

Complaint narrative:
Hard inquiry from XXXX XXXX XXXX  XXXXI did not apply for credit, disputed with XXXX and removed from my report. 
Received a call from Sofi about an account that was being attempted to be opened. I did not try to open account. XX/XX/22. Disputed with XXXX and removed from report. 
Received a letter from XXXX denying a Credit card as i already had a credit card from XXXX XXXXI did not request a new line of credit -I called XXXX  and they listed this as fraud., XXXX did not see this on my report. 
Hard inquiry from XXXX  XXXX XXXX I did not request a credit card from them. 

I have placed a credit freeze with all 3 credit bureaus so that no one will be able to open credit in my name. I'm not sure what else to do. 

*i did open care credit with XXXX XXXXThat is the only recent credit line that i applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient calls me over 10 times per day, before XXXX & after XXXX. They use approximately 5 different telephone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I ALREADY DID MY COMPLAINT ABOUT MY INQUIRIES TO EQUIFAX AND THEY HAVE TRIED TO SAY THEY HAVE VALIDATE THE INQUIRIES BUT STILL HAVE NOT SENT PROOF OF VALIDATION. The law " 15 U.S. Code 1681i - Procedure in case of disputed accuracy 1 ( B ) '' - YOU HAVE THE 30 DAYS TO INVESTIGATE BUT YOUR AGENCY exceeded 30 day time to resolve the dispute lawfully. EQUIFAX failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. AGAIN From my records neither did I authorize these INQUIRIES, there is NOT permissible purpose that applies so therefore EQUIFAX is REQUIRED to immediately REMOVE each and every last one of them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
After the sale of our previous property ( XX/XX/XXXX ), my husband had issues obtaining a loan for his new vehicle due to the credit to debt ratio being high on his credit report. We logged into our experian accounts and saw that loan accounts, including the mortgage for the home we just sold were still showing as open and in good standing. We moved forward with disputing these accounts that same day. 

Unfortunately, on XX/XX/XXXX the PHH Mortgage loan dispute came back as still open and in good standing. I disputed the account again on the XXXX following the same process only to receive the same update on the XXXX. 

On the XX/XX/XXXX I filed yet again another disput but this time with a PDF containing screenshots from the online account showing the balance at {$0.00} with a message stating the account was paid in full and closed. Again, by XXXX the result was still that the account was still open and in good standing. I called both PHH Mortgage and XXXX to figure out what document I could provide to help my case. I was able to request a Paid in Full letter from PHH Mortgage which XXXX told me might help better than the screenshots I provided. 

By XX/XX/XXXX I received the documents and scanned them in to open another dispute to finally get this loan off mine and my husband 's credit report so we could move forward with securing a home loan which we have been holding off on doing in order to not run into the same issues as with my husbands auto loan. But on XX/XX/XXXX the results yet again came back as open and in good standing. I called PHH Mortgage but their customer service department was not able to connect me to the people in their credit department and the only response I received through their customer service after they reached out electronically to the credit department is that it takes time. But they did not answer why after I had disputed the account with documentation provided by PHH Mortgage was that department still telling XXXX the account is open when it so clearly is not. I expressed wanting to speak with a supervisor to escalate my complaint and after being on hold for almost XXXX mins I was hung up on. 

I feel that this is my only option to be able to get this issue corrected so that my family can finally move forward with securing a loan and a new home for us to live. With the state of the house marketing the longer we are forced to wait the worse our chances are as things become more and more expensive. I don't understand how a company who I no longer do business with has the power to hold me back from being able to find a home for my family but evidently it does. I really hope the CFPB can do something to help us. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Fraudulent account open in my name never lived in Texas. Opened account in Texas never lived there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: AK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
account was obtained by someone who used my identity, please remove this account from all credit reporting agencies and all negative remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I do not own a Phone and Chase Bank wants to send me a Text Message to Verify my Identity I'm XXXX and do not use a Phone and I cant afford Phone XXXX XXXX XXXX all need a $ 5000 yearly international XXXX XXXX to Contact a Bank XXXX number There no Payphones

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I purchased a cashiers check from Bank of America for {$14000.00} payable to XXXX XXXX XXXX to payoff my car loan. On XX/XX/2022, I discovered XXXX XXXX XXXX had lost the check and requested that I have the bank reissue it. Bank of America says that its policy is to wait a minimum of 90 days to start the process and it can take up to 120 days for it to actually reissue. I never knew about this before I asked about a reissue, the bank says it is policy and written on the check in small print. However, I was presented the check in a white envelope and never reviewed the actual check. The only thing I signed was the withdrawal slip, I was never appraised of the rules and policies, This an extreme financial hardship for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JOHN GIBSON AUTO SALES, INC.
State: AR

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I refinanced my home in XXXX of XXXX with Rocket Mortgage also known as Quicken Loans who are partners with XXXX XXXX to reduce my interest rate and to leverage my home equity to reduce the time it would take to have the PMI removed. 

At the time of refinancing with Rocket Mortgage in XXXX of XXXX, my home estimated value was {$460000.00}. Rocket Mortgage however used the XXXX value instead of the value during refinance. 

With my consistent payment on my Mortgage and the correct value of my house of about during refinance {$460000.00}, I have met all the requirements to have the PMI removed and I'm asking Rocket Mortgage and XXXX XXXX to remove the PMI from my mortgage. 

The current value of my is is now at {$560000.00} and I'm still being required to pay the PMI even though I have qualified to have the PMI removed at the much lower fair value of about {$460000.00} of my home during refinance in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My name is XXXX XXXX and my wife is XXXX XXXX, last XX/XX/2021 we purchased XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX a single family home for our primary residence with our XXXX children. At the time the monthly mortgage payment that the New Rez mortgage broker presented to us was $ XXXX. The mortgage broker did not include all of the insurance costs before closing so now our current mortgage payment is just below {$2000.00} a month. The error was that in NC they separate out wind/hurricane insurance from all other perils and you have two policies for one home. The broker took the cheaper of the two policies that were sent to her via email ( see attached documents ) and did not include the higher cost wind/hurricane insurance, and that is where the error occurred. I guess with the broker not working in NC and not being familiar with NC laws is the root cause. 

We called New Rez, but they said there was nothing they could do, and expect us to pay for this error by their mortgage broker for the next 29 years at 3.5 % interest compounded. We are now filing this complaint in hopes that NewRez will work to make this right. I have below the contact information for the NewRez and the broker we worked with. 

New Rez NMLS number is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX | XXXX # : XXXX Licensed in multiple states XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX, XXXX, XXXX XXXXXXXX XXXX : XXXX ( ext. XXXX ) | cell : XXXX fax : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been trying for three months to get an erroneously reported incorrect payment removed from my credit reports to no avail. On XX/XX/XXXX, I submitted a complaint to the CFBP describing a payment incorrectly reported as late in XX/XX/XXXX by XXXX XXXX XXXX XXXX The company responded by letting me know that they had mailed letters to XXXX, Experian, and XXXX advising that the late payment was indeed reported in error. However, my most recent credit reports continue to show the erroneous late payment in XX/XX/XXXX, dispute raising disputes with each of the credit bureaus. Screenshots 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 non-monetary relief