vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX XXXX  and TransUnion. I sent my disputes certified mail. None of this companies has responded.

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote the three credit bureaus, Experian, XXXX and XXXX. I sent my disputes certified mail. None of this companies has responded.

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 2021-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
Hello, I have been with Loancare for the good part of 7+ years. Due to the covid crisis, my tenant was unable to make their rental payments and I entered into a forbearance back in the summer of XXXX. This was a 6 month forbearance in which we entered into a loan modification agreement in XXXX of XXXX. Papers we signed, notarized and received by loancare. This modification had a new monthly payment with payments beginning in XXXX of XXXX. I was informed many times that my information on the website would be updated in 60-90 days and once complete, I would be able to resume making payments on the agreed upon amount through the website. XXXX came, then XXXX, then XXXX and calls to customer service were the same story. Confusion as to why it was not updated, assuring me that a ticket would be open and that 1. this would get resolved and 2. a supervisor would contact me ( as requested ). All throughout this time payments were made on time. Now here comes XXXX, where to my surprise the status of the situation is unchanged but now we have a new revelation. When calling ( and waiting 30 minutes to speak to the first representative.. every time ) to make my monthly payment, I was told that I have been entered back into forbearance on XX/XX/XXXX ( of which I have not requested ). When I challenged this, I was put on hold for over 45 minutes until I decided to hang up. This entire experience has been extremely stressful. I do not know what my mortgage balance is, what my escrow is, what my statements look like or even how my monthly payments are being applied ( if they are being applied at all ). Is my mortgage still being reported as in forbearance so federal benefits can continue to be collected? I would hope not as that would be a major fraud case. Who can actually help me with this situation?

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 2021-06-30 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: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 06/30/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in XXXX  and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing in regard to a recent line of credit I established through the XXXX XXXX credit card offered by Barclays at the beginning of XXXX of this year. I applied for this card while booking a fare on the XXXX website and clicking on a banner in the sidebar of their webpage. This took me to a Barclays site where I was able to apply for, and receive, an approval for the card and an initial line of credit. As part of this offer, XXXX rewards points, and a statement credit of {$250.00} were offered after spending {$1000.00} on purchases and paying the {$99.00} annual fee within the first 90 days of having the card. However, a couple weeks later I was reading online about the same XXXX XXXX card, but this one offered XXXX rewards points instead of XXXX. I followed the link to a different section of XXXX website and found the same card and benefits, just with a higher reward offer. 

I next reached out to Barclays about the discrepancy and asked them if they could retroactively apply the offer with the higher point return, but the representative said he was unable to do so and that I should reach out to XXXX. Similarly on XXXX end, they seemed to just talk in circles without acknowledging the inconsistency of what they are presenting. What concerns me about this is the lack of responsibility XXXX is taking in maintaining two vastly different reward incentives on their own website for the exact same card. If you happen upon it through this web page, then lucky you, you get the XXXX points. If you only see the banner while booking a flight, then its only XXXX points in your case. 

I could see if I was on an outside site like XXXX or XXXX, that it might explain the difference in the offers. But to have two different offers on the same site, for the same card, feels like being in a store with the same merchandise and pricing it differently based on the way customers enter the business. After navigating to the XXXX website today, these two offers are still being presented in two different locations.

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 2021-06-30 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: AZ

Complaint narrative:
FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED XXXX AND EQUIFAX AND XXXX XXXX XXXXXXXX XXXX Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX OR TO XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: AZ

Complaint narrative:
FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED XXXX  AND XXXX AND EXPERIAN XXXX XXXXXXXX XXXX  Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX OR TO XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/2021 I sent Equifax a notarized letter advising them that my DOB and other information was incorrect. Equifax claims they never received the documents, however I have provided tracking information to show the documents were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NJ

Complaint narrative:
I submitted 3 disputes with Equifax over the past 3 months. Each investigation led to Equifax updating the balance on my collection but not actually removing the collection. The creditor advised if I paid in full that they would advise credit bureaus to delete the payment. Equifax says the creditor confirms this is accurate but how can this be the case if another bureau XXXX XXXX  XXXX has deleted the collection per my request with their investigation and conversation with the creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
Debt from more than 3 years ago, which is not valid of {$100.00} Have repeatedly contacted company for verification of debt including CERTIFIED MAIL ( have card signature verification that was received ) on XX/XX/2021. Company will not responded. 

Also sent CERTIFIED MAIL ( have card signature verification that was received ) that contact was to cease and communication was to be through mail. Company continues to call. 

Company has reported this account to all three ( 3 ) credit bureaus. I have kept scrupulous records that include dates, names and atte
mpts at communication.

My rights have been violated under the FDCPA in multiple instances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: FL

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I got this account that does not belong to me and i want it to be remove from my credit report. 


1. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.

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 2021-06-30 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: FL

Complaint narrative:
I would like to file a formal complaint against Equifax for failing to conduct a proper investigation into the inaccuracies on my credit file. 
Equifax violated my rights by 1. Willingly and recklessly reporting false information after being notified of the inaccuracies. 

2. Failing to respond to my dispute within the allowed 30 days. 

3. Failure to provide the method of verification. 

4. Failing to notate an item on my report is under dispute. 

5. Failing tp provide all supporting documentation after responding the account was verified. 

Last year in XX/XX/2200 I first disputed my XXXX student loan accounts because of several inaccuracies. The balances were different, late payments were being reported and I have never been late on this account, also XXXX is currently reporting me late when the CARES ACT forbids any negative reporting for this loan type. 

MY RIGHTS A CONSUMER HAS BEEN VIOLATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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:
I am notifying you of issues with the information on my credit report. I am wondering as to how are the Bureaus allowed to report these information? With a little research I found out that I have some rights in place. The law gives me the right to dispute my credit information directly with the Bureaus. Now be aware that I have already dealt with the the Bureaus and there was no investigation made and it has been more that 30 days. Nonetheless, I now wish to exercise my rights to dispute this information directly with you so you can help me with this problem Please verify the That all balances and amounts are reporting correctly. 
That all dates are reporting correctly and that any prior pay history you are reporting is correct. Please remove this account from my credit report immediately. It has caused quite bit of damage. I want to point out that you are legally liable for any inaccurate and unverifiable information as decided in XXXX vs. XXXX XXXX. This case set a legal precedent that a person can sue the Bureaus for reporting inaccurate and unverifiable information on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AmeriCollect
State: FL

Complaint narrative:
On XX/XX/2021, I received a letter from Americollect. I had previously asked them to validate a debt they were collecting on. The letter stated that they have received, verified, & validated with the credit bureau ( s ) and responded to me. They said my dispute has been deemed frivolous or irrelevant and there will not be an additional investigation on the matter. I have not received any other correspondence from Americollect prior to this one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
Community Loan Servicing, LLC. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Florida, XXXX, United States. 

XX/XX/2021, I mailed a cashier 's check to Community Loan Servicing, LLC., in the amount of {$4000.00} which was to be applied to the principal portion of my mortgage. In addition, I included a letter stating that the entire check was to applied to the principal only and this was also indicated on the check itself. Community Loan Servicing, LLC., took it on themselves to pay my XXXX and XXXX monthly payments, and {$2100.00} was applied to the principal of the mortgage. I called Community Loan Servicing customer service and the representative reversed the transaction and applied the entire {$4000.00} to my principal. They admitted that they made a mistake, but if I had not stayed on top of this blunder Community Loan Services, LLC. would have got away with misappropriating my cashier 's check money meant to be paid on the principal of my mortgage. Unfortunately, I would have continued to pay more interest on my outstanding balance which would have been a plus for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
For the failure provide : request for information, verification of information : inability to verify information. Thus of fraud. information should of been certified-verfied when reported.

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 2021-06-30 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
the following accounts that appear on my credit report are not mine and are hurting me Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

8. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

9. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

10. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

11. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

12. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
I was in forbearance under the CARES act due to COVID 19 with my original lender ( XXXXXXXX XXXX ). I received a letter dated XX/XX/XXXX about a VA trial plan offer. I started making trial payments with my original lender XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. The trial payment amount agreed to with XXXX XXXX was in the amount of XXXX, and my interest rate was staying the same at 2.875 % under the modified terms. My maturity date was moved from XX/XX/XXXX to XX/XX/XXXX as a result of them " tacking the balance onto the end of the mortgage '' After I made my first trial payment, my loan was sold to my current servicer ( ( Lakeview Loan Servicing ) XXXX ) effective XX/XX/XXXX. I contacted them several times throughout the month of XXXX attempting to make a trial payment for XXXX, but was told I could not repeatedly due to my mortgage being " in review ''. I was told not to worry since I was within a 60 day grace period, and the underwriters were waiting on and reviewing information sent to them from XXXXe Bank. 

I have attempted throughout all of XXXX and XXXX on at least 5 occasions to pay my mortgage trial payments, but have been rebuffed at every turn. 

I was informed earlier this week by XXXX that my interest rate would be increasing to 3.5 %, and my new payment would be somewhere around {$2100.00} a month. I was not aware a credit report was run against me without my knowledge, but was informed that is what I qualified for due to my credit. 

On XXXX and XXXX I asked for any documents from this decision to be given, but was told that I'll get them eventually and I can either turn it down or accept the modification Turning it down means paying the owed balance of $ XXXX, which I don't currently have. 

I also asked if XXXX was aware of my previous trial payment plan with XXXXXXXX XXXX, and they did not offer any acknowledgement. 

I can not leave this lender without paying $ XXXX, or making my on-time trial payments. They have removed my ability to successfully make my trial payments, and are attempting to increase my interest rate arbitrarily.

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