vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 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: FMS Inc.
State: VA

Complaint narrative:
Hello and thank you for your assistance. 
Last XXXX, a Collection Agency I have never dealt with in the past, " XXXX XXXX, '' somehow sourced an old debt of mine that was settled in XXXX and started pursuing me about it. They also added this [ time-barred and Settled ] debt to my XXXX Report, which is causing me a great deal of XXXX since I am applying for student loans for my XXXX. 

I originally Settled via FMS Incorporated, which was working on behalf of XXXX to recover the debt back in XXXX I promptly supplied them with a copy of my original Settlement Letter from FMS, confirming my Settlement as of XX/XX/2012. This letter did not convince them. I also Contacted FMS to ask what they can do to assist and they said they can do nothing. All they would be able to do is issue me a copy of the same settlement letter that I have. I contact XXXX multiple times to explain and disputed multiple times with the Settlement letter and told them that this matter keeps bouncing around like a hot potato. 

I've kept my documentation and do not understand why ; despite hours of conversation, this debt is still on my credit report. I've also been harassed by other collectors, some I am sure are scams, about this debt over the last several years. Not only have I shared the Settlement letter, but I've contacted XXXX XXXX XXXX at XXXX, to confirm and they were able to pull up the account and certify for me that there is a {$0.00} balance due on that account and it is settled. I asked them for a letter I could share with XXXX XXXX and FMS, but XXXX said they " can not print one because it is so old, but if XXXX, XXXX XXXX or FMS want to call them they can certify it for them verbally. '' Since the housing crisis, I've worked very hard to repair my credit -- and this is the worst possible time for this to happen. No one is willing to accept the proof I have or seek certification from the original creditor. I believe this is a breach of the Fair Credit Reporting Act. What recourse does a consumer have in a situation like this? It seems, none.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: VA

Complaint narrative:
Hello and thank you for your assistance. 
Last XXXX, a Collection Agency I have never dealt with in the past, " XXXX XXXX, '' somehow sourced an old debt of mine that was settled in 2012, and started pursuing me about it. They also added this [ time-barred and Settled ] debt to my Experian Report, which is causing me a great deal of anxiety since I am applying for student loans for my Son. 

I originally Settled via XXXX XXXX, which was working on behalf of XXXX to recover the debt back in 2012. I promptly supplied them with a copy of my original Settlement Letter from XXXX, confirming my Settlement as of XX/XX/2012. This letter did not convince them. I also Contacted XXXX  to ask what they can do to assist and they said they can do nothing. All they would be able to do is issue me a copy of the same settlement letter that I have. I contact Experian multiple times to explain and disputed multiple times with the Settlement letter and told them that this matter keeps bouncing around like a hot potato. 

I've kept my documentation and do not understand why ; despite hours of conversation, this debt is still on my credit report. I've also been harassed by other collectors, some I am sure are scams, about this debt over the last several years. Not only have I shared the Settlement letter, but I've contacted XXXX XXXX XXXX at XXXX, to confirm and they were able to pull up the account and certify for me that there is a {$0.00} balance due on that account and it is settled. I asked them for a letter I could share with XXXX XXXX and XXXX, but XXXX said they " can not print one because it is so old, but if Experian, XXXX XXXX, or XXXX  want to call them they can certify it for them verbally. '' Since the housing crisis, I've worked very hard to repair my credit -- and this is the worst possible time for this to happen. No one is willing to accept the proof I have or seek certification from the original creditor. I believe this is a breach of the Fair Credit Reporting Act. What recourse does a consumer have in a situation like this? It seems, none.

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 2022-02-11 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: FL

Complaint narrative:
I visited XXXX XXXX on XX/XX/XXXX for an opinion on a teeth cleaning service. Unbeknownst to me, a revolving credit line of {$1500.00} was added to my credit report which is now seriously negatively affecting my credit. On my credit report as of today XX/XX/XXXX, it shows it is a credit card which is false. The account manager at XXXX opened the account without my permission in anticipation that I would agree to have the dental procedure completed. I have premium insurance as I am a XXXX. I was under the impression the services were covered with my insurance ; however, recently I ordered my credit report only to realize I have a revolving trade-line of credit from XXXX XXXX. I contacted Experian online and through the telephone to submit a dispute ; unfortunately, to no avail.

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 2022-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
I entered into a covid deferment for about 7 months, I was told before I entered into the deferment that options would be available to me including a payment plan, or a Modification where the missed payments would be paid at the end of my 15year mortgage term.to my horror and disquest after I satisfied 3 months of the trial period which was understood I was accosted with the rude and unwanted acknowledgement that I had to sign an loan Modification which changed my terms to a 30 year mortgage, and my apr was previously XXXX now being projected to XXXX and the amount from a few dollars less than what I am paying now, I do not wish to pay a 30 or mortgage, I want to keep my 15 year with the outstanding balance maybe included at the back of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
i had purchased a money order for the amount of {$590.00} for my monthly rent, after a minth that my landlord indicated that he never recived i have been in process with Western union and had submitted the proper documentations + XXXX extra XXXX dollar moneyorder to have them locate my money order. its been XXXX  month and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: OK

Complaint narrative:
Over the course of my mortgage, it has been transferred several times to predatory mortgage service companies. The latest include a transfer from XXXX to XXXX XXXX. After a Covid-19 related job loss, XXXX XXXX offered a forebearance through the pandemic, then offered a mortgage modification consisting of a XXXXmonth " trial '' payments of {$710.00} each. Upon the payment of the first trial payment, the loan was transferred to Fay Servicing. It took several weeks before I could speak to them about the mortgage as their website seemed to be recently created. After contact was established, the remaining XXXX " trial '' payments were made days before they became due. In XX/XX/XXXX, after all required payments were expected to have been applied, they sent documents saying I had broken the modification agreement. In XX/XX/XXXX, the foreclosure documents began flooding in, several within the same day. At each time I contacted Fay, they said, " nothing to worry about, it will be resolved '' and " escalated '' to their managers. Upon being promised several times that I would get a callback from said managers, weeks pass. Each time I call, I waste an hour on hold, getting transferred, or hung up on. I want a forensic audit of the account from its inception and each lender to ensure payments have been properly applied. I am told that I am still being charged PMI but was supposed to " automatically '' drop off after XXXX  years. I also want to file formal complaints against XXXX, XXXX XXXX, and Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
at XXXX on XX/XX/2022, a man called me saying he was from a loan company called Freedom Plus and said I was approved for a loan, he asked for my banking information such as my account and routing number, my bank account login and password, my social security number, and he had my personal information such as where I live. He told me he was going to send me a loan of XXXX in 1-2 hours but first he would send me {$500.00} and I would have to cash app it back to him and then he would deposit the XXXX into my account. He said I would then receive the loan documents through my email and I would have to sign the documents and send them back. Once he mentioned XXXX XXXX I was alarmed so after the call ended I XXXX searched the company and called the number and they said that it wasnt true and it was a scam and to call my bank immediately and talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION XXXX  is reporting from XX/XX/17 through XX/XX/17 that I was up to 120 days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed XXXX Modification Office, my trail period was extended a few times. XXXX provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,

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 2022-02-11 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: FL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION XXXX is reporting from XX/XX/17 through XX/XX/17 that I was up to 120 days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed XXXX XXXX XXXX, my trail period was extended a few times. XXXX provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION XXXX  is reporting from XX/XX/17 through XX/XX/17 that I was up to 120 days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed XXXX XXXX XXXX, my trail period was extended a few times. XXXX provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,

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 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX contacted a relative of mine which is illegal regarding debt and telling them the amount i owe on it. it is said that they can not contact and tell anyone regarding this matter besides my spouse. I have also sent them a letter on XX/XX/2022 stating that to please to dispute the total amount owed on my account {$4300.00} and more. As well XXXX XXXX XXXX sent me a letter that said " if you write to us by XX/XX/2022 known as XX/XX/2022 we must stop collection on any amount you dispute until we send information that shows you owe the debt. However the credit card limit was {$4000.00} and I nearly have not spent that much money on it. 

In my first complaint I realized that I missed something and I could not edit or go back and edit this document. I nearly have not spent {$4000.00}.

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
unauthorized inquiries on my report that isn't being removed after several attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Conn's, Inc.
State: TX

Complaint narrative:
Social Security Card has been stolen once and lost 2 times within the last couple of years. Addresses on my credit report are addresses that I have never lived or reported. Unaware of the addresses that are displayed on my credit report and Conns loan. There is also a soft inquiry that is showing on my report that I have no information about and was unaware of the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchase a home warranty from XXXX XXXX XXXX and used my XXXX XXXX XXXX XXXX for {$570.00} and broke it up in XXXX payments. Over the phone they took my credit card number around XX/XX/XXXX for amount of {$280.00} and the second payment was posted on XX/XX/XXXX to complete the home warranty purchase which wouldn't go into effect until my final payment and I had XXXX days to cancel to receive my money back. I did not sign a contract either. 

I tried to use the service for an electrical repair on XX/XX/XXXX which the company did not respond in time so I sent an email on that date canceling the service to that company and also contacted Capital One XXXX about the problem that I canceled the service and wanted my refund. I was told that Capital One has an afflation with XXXX XXXX XXXX and I would need to submit more information which I did, including the cancelation email. 

Now Capital One wants more documentation because XXXX XXXX XXXX said they did not receive my cancelation even though they had my email showing I sent and canceled the service on XX/XX/XXXX. I also spoke with someone on the phone about the cancelation ( think was XXXX XXXX and he stated the service would be canceled. So Capital One decided to apply the {$280.00} XXXX times on my new XXXX XXXX ( which I did not authorize ).. 

Due to the affiliation ( which a customer service person told me ) I think XXXX XXXX is intentionally making it difficult for me to receive my {$570.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11 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: NY

Complaint narrative:
Hello, I am writing to you regarding the big scam in my own credit report. I got unknown account and inquiries that I do not recognized. I checked my credit report and with 100 % I can say that this account and inquiries are not mine. I have no idea how come I have it my credit report. But the only what I want is to remove these items because I prefer to have information that is mine in my credit report. Please apply the investigation and remove them from my credit report. I filed Identity theft so therefore You would see what items to remove. Thanks in advance

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 2022-02-11 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: TX

Complaint narrative:
I have been requesting all three credit reporting bureaus to Delete the following Names, Addresses and Employers from my credit report since XX/XX/XXXX and since then all three credit bureaus have failed to honor my requests without any form of correspondence. I am listing the Names, Addresses & Employers needing to be DELETED below. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am a victim of identify theft. I reported fraudulent charges on my card. They are reporting me as over my credit limit and late payments to credit agency 's. I did not charge over my limit and I have never paid late. These actions by capital one is having a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a zero balance and closed. I've submitted disputes to all three credit agencies. I've asked for a open balance letter from XXXX showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX dealership to explain the situation. They immedialtely called XXXX XXXX- they could not rectify the problem.

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a zero balance and closed. I've submitted disputes to all three credit agencies. I've asked for a open balance letter from XXXX showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX dealership to explain the situation. They immedialtely called XXXX XXXX- they could not rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: GA

Complaint narrative:
XXXX XXXX is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a zero balance and closed. I've submitted disputes to all three credit agencies. I've asked for a open balance letter from XXXX showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX dealership to explain the situation. They immedialtely called XXXX XXXX- they could not rectify the problem.

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