vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consolidated all of my student loans, however I have old student loans that are reporting negatively on my credit report. These loans in question are between 10 to 13 years old, and double reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consolidated all of my student loans, however I have old student loans that are reporting negatively on my credit report. These loans in question are between 10 to 13 years old, and double reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consolidated all of my student loans, however I have old student loans that are reporting negatively on my credit report. These loans in question are between 10 to 13 years old, and double reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken loans called me to give me a quote for a cash out refinance. I told the agent I just wanted the rates. She then asked me to verify the last four of my social. After providing, she told me my credit scores were x, y, and z. When I asked her if she just pulled my credit, she said yes. I told her its illegal to obtain my credit without my consent and I did not consent to have my credit run. I specifically told her I only wanted rates. She then tried to mislead me stating that by giving her the last four of my social, I have consented under the law to having a hard pull done. I was infuriated and escalated to her manager. There is currently an investigation. My concern is that the agent 1.did not appear to know or care the legality of pulling credit without consent and 2. she then tried to lie/mislead me once I confronted her. This is not okay. Agents name was XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Longbridge Financial, LLC
State: OH

Complaint narrative:
Back in XX/XX/2021 I started looking for a reverse mortgage and was proceeding with XXXX. I then found Lonbridge Financial whos said they would be way quicker and easier to deal with I foolishly believed their sale pitch. I provided all financial information they requested and they provided a Reverse Mortgage preliminary offer. The property value was tight but on appraisal it cam out with {$30000.00} to spare. 
I submitted all documentation as requested in a timely manner. 
They did have an issue that as naturalized citizen much of me assets were still in the XXXX so at no little expense I transferred money to my XXXX XXXX  account in the sum they requested and was promised that having done that my loan would be able to proceed. 
They were fully aware that we were engaged in spend down so that my sick wife could go onto XXXX and that the funds raised were for the equipment see urgently needed. 
Out of the blue I get a call saying they did not wish to proceed. In the intervening period I think her credit card debt may have risen so all they need to to do was to explain this and ask me to close of dept of produce further funds. I should add that we both have credit ratings in the mid 700 's never mise any payment. The sales lady, who is equally frustrated, admitted that a member of staff had been sitting on our papers and they had not been forwarded in a timely manner. NOW this is despite their most senior underwriter confirming two weeks ago, she was at a conference at the time but still called me with the good news, that the loan was ready to go if I could show {$70000.00} in my US account this I did in 48hrs. Costing me a costing me a loss of nearly {$3000.00} and expense. 
If I knew I could not take them at their word and trust the verbal contract I would not have proceed. 
In my opinion the sales department oversells there capacity to deliver. 
They are very inefficient once things move to their back office, I was told they did have staffing issues and getting up to speed. 
Communication is poor. I have called many time once the money was deposited and she said the she had been told that she was told in the past if they did not contact promptly all was ok. 
VERY VERY DISAPPOINTED!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX of this year Fraud occured on my account. My wife and I reached out to get this corrected. The fraudulent activity took my checking account into the negative. There was a starting balance of {$0.00} and after the fraud my line of credit absorbed the negative amount and began to accrue interest. I was credited back the wrong amount to cover the fraud. Since XXXX I have attempted to resolve the situation in a polite and respectful manner multiple times. I have gone into a branch, I have spoken with the fraud department, and I have spoken with collections. BBT now Truist has violated the Fair Credit Reporting Act by incorrectly reporting fraudulent activity which is neither fair nor accurate reporting. I have suffered credit damages from this and I demand that the requested adjustments be made. I have contacted legal counsel at this time and though I am not yet represented, we believe that there is a basis for a suit under the Fair Credit Reporting Act. The CFPB is now aware of the situation and I hope a resolution can come to fruition before a suit is filed in Federal District Court. I have also requested that a 10 day payoff be sent to me and I have not received a response in online banking. I will NEVER do business with BBT now Truist and I will actively recommend that people do not use your services based on my experience. I am utterly stunned at the lack of communication, the lack of attentiveness to detail, and finally the lack of customer care in this situation. 

XXXX XXXX at the XXXX branch however has been very helpful in assisting me but the rest of the organization Performs at a sub par level.

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 2021-09-10 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: Remex, Inc.
State: NJ

Complaint narrative:
Last year I received notification about a {$52.00} bill in collections that I never received in the mail stating the date of service was in XXXX. I had never heard of the original company listed so I disputed it on my XXXX  XXXX  account where it was removed from both listed bureaus. In XXXX of XXXX, I received another notification where the same bill was listed and added to my credit report again, once more without any bills in the mail or anything stating what the bill was for. I disputed it again where it was removed from my XXXX account but is not being removed from my XXXX. I attempted to call the collections company to see if I could get a breakdown of the charges to understand where it was coming from and either the numbers I tried would not go through or I would be hung up on before getting to speak to a live person. This is becoming extremely frustrating and I would like this mystery bill to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I contacted Rocket Mortgage for early information on rates and closing costs as I was just beginning research into the process of buying a home. I am working to get my credit score increased to XXXX, so have been extremely careful about ensuring no hard credit checks were made to my report yet. 

Upon submitting my initial information, Rocket Mortgage gauranteed that only a soft credit check would be made ( I have a screenshot of this ). Later that day, a loan officer called me to chat through the details. During this call, without my permission ( they have call recordings ), the loan officer conducted a hard credit check. The only reason I knew that he had done this is because I received an instant notification from XXXX. The loan officer then told me that he could not reverse this and the hard check could not be removed from my credit profile. The only step they made to rectify the situation was to offer me some sort of discount on closing costs, but they aren't willing to actually tell me what this discount would be until I move forward with choosing them as my mortgage company. This whole situation seems to be an illegal and manipulative tactic to force me into using Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: American First Finance, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. I tried contacting the XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I applied for the apple credit card and they denied me which is very unreasonable I meet all of their qualification for the products. my income is high and they declined me with XXXX reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft PORTFOLIO RECOV ASSOC Account Number : XXXX This is not mine. 

2. Identity Theft PORTFOLIO RECOV ASSOC Account Number : XXXX This is not mine. 

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

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I did not sign a contract for the and or give permission for the third part debt collector to contact me nor have my personal Information. ( No one is allowed to have or purchase your information without your consent. This is an infringement upon a consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I'm trying to use the tradin program call Coinbase. They ask for my driver license to verify de acount. since I send to them the correct information they keep my account under verification and it's impossible to trade with any currency. 

My wish is to verify my account and start working with the cripto coins. 

Thanks to listen. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint will not work with me according to XXXX servicing guidelines. 

I was impacted by XXXX, it took months for them to figure out my fatigue and shortness of breathe and other symptoms were the result of XXXX and XXXX. The XXXX  would not let me XXXX  remotely and did not renew my contract. I am on XXXX, XXXX, and XXXX. In addition to being sick, I am at high risk for XXXX. 

XX/XX/2021, At Shellpoint 's request. I submitted a completed borrower 's assistance application at Shellpoint 's request via email. I attaching all the documents for the completed borrower 's assistance application. 

XX/XX/2021, Shellpoint did not provide any of the XXXX XXXXXXXX servicing options. 
I completed a trial modification, but Shellpoint did not offer a modification. In the letter, Shellpoint holds me accountable for their error in contradiction to Regulation X 1024.35 ( a ) and ( b ) ( 1 ) XX/XX/2021 - Shellpoint will not work with me on XXXX servicing by asking for non-existent documents, and duplicates. 

XX/XX/2021, I provided Shellpoint a copy of the XXXX XXXX XXXX servicing guidelines and asked them to provide my options. Shellpoint will not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
THIS IS NOT BEING SENT BY AN UNAUTHORIZED THIRD PARTY. On XXXX certified mail was sent to remove all alleged debt reported without my ( the consumers ) consent to XXXX, XXXX and XXXX who then forwarded it to M & M Credit in regards to this alleged debt. On XX/XX/21 the alleged debt was removed and the balance was decreased to XXXX. Exhibit is attached. 
I am filing a complaint ; as my rights have been violated. I am also looking for monetary compensation of no less than the amount of {$5000.00} for the distress it has caused both myself and my family for but not limited to XXXX FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS. 1. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act debt collectors must not use any false nor deceptive/misleading representation. None of the alleged debts have been validated nor represented by the original creditor. And there is reason to believe these alleged debts were sold. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights. 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission; using my name and personal information by which to do so. 4. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 6. My social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, serving to be yet another violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: NY

Complaint narrative:
There are some charges on my bank account in which I didn't make

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Paramount Recovery Systems, L.P.
State: NJ

Complaint narrative:
Last year I received notification about a {$52.00} bill in collections that I never received in the mail stating the date of service was in XXXX. I had never heard of the original company listed so I disputed it on my XXXX XXXX account where it was removed from both listed bureaus. In XXXX of XXXX, I received another notification where the same bill was listed and added to my credit report again, once more without any bills in the mail or anything stating what the bill was for. I disputed it again where it was removed from my XXXX account but is not being removed from my XXXX. I attempted to call the collections company to see if I could get a breakdown of the charges to understand where it was coming from and either the numbers I tried would not go through or I would be hung up on before getting to speak to a live person. This is becoming extremely frustrating and I would like this mystery bill to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: GA

Complaint narrative:
Hi I wanted to know if you all can help me. There are still some accounts on my credit showing that are not mine. Im doing this on my own. Some of the accounts did come off and some inquiries but some did not XXXX XXXX and the inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-10 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: TX

Complaint narrative:
{ ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX. 
ACCOUNT XXXX ACCOUNT TYPE : CREDIT CARD ACCOUNT BALANCE : {$160.00} ACCOUNT OPENDED:XXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a f ormal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

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