vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX Experian ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX 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 2022-06-22 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:
In accordance with the Fair Credit Reporting Act XXXX the following accounts has violated my rights. 
XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 604 A States : I have the right tp privacy.

13 U.S.C. 1681 Section A Section 2 : States a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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:
In accordance with the Fair Credit Reporting Act XXXX the following accounts has violated my rights. 
XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 604 A States : I have the right tp privacy.

13 U.S.C. 1681 Section A Section 2 : States a consumer reporting agency can not furnish accounts 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 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Wilber and Associates, P.C.
State: SC

Complaint narrative:
My son was in an automobile accident in GA with my car, both were insured by XXXX XXXX. Both cars were total losses, and mercifully there were no reported injuries. My son 's passenger worked for XXXX at the time, and my son offered to our insurance adjustor that he had volunteered to bring her to a grocery store. XXXX XXXX denied our claim, stating that my policy did not provide such coverage, and their payout was XXXX. We had to incur stiff towing and storage fees, that were also not covered, we also have not been able to replace our car. 
XXXX, the other driver 's insurance company, has hired Wilber Associates to collect $ XXXX in subrogation costs that they paid out to her for her vehicle loss. 
Because XXXX XXXX denied our claim, we are being harassed by Wilber Associates who is claiming to be a law firm, and is in fact a debt collection agency. They have called us no less than 9 times, emailed us, and sent 2 sets of demanding letters in 3 weeks. They have threatened to have our licenses suspended by the state of South Carolina if this debt is not paid in a timely manner. Never did they mention, or does it state on their demand letters, that this claim could be disputed. With each call they ask if we are able to pay this large sum. 
Although it is a hardship, we have spoken with a lawyer in order to dispute and potentially have this claim dismissed. We are not seeking litigation, and we do feel we are not being treated fairly or decently by Wilber Assoc. This has also negatively impacted my son 's condition of acute anxiety for which he is being treated. Our stress level is quite high at the prospect of a possible judgement against us, and having our licenses suspended. 
We do not have the funds to pay this debt that we feel is not ours, and really do not have extra revenue for retaining legal counsel at this time. 
Thank you for your time and the opportunity to state our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: PA

Complaint narrative:
Someone gained access to my credit card and made purshases/changes that I did not authorize or regonize in XXXX XXXX. I disputed this information as I was told to do by a represenative they still reported a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: PA

Complaint narrative:
Someone gained access to my credit card and made purshases/changes that I did not authorize or regonize in XXXX XXXX. I disputed this information as I was told to do by a represenative they still reported a late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
As a consequence of the pandemic, I lost my job so I could only keep up with the mortgage payments until XX/XX/XXXX ( 5 months into the pandemic ). I found myself in default for the whole year of XXXX and part of XXXX. However, for most of XXXX, the state of Maryland XXXXXXXX XXXX XXXX had been in close contact with Fay Servicing , LLC as I was in the process of being approved for homeowners assistance to bring my mortgage up-to-date. According to a Fay Servicing representative, with whom I spoke, they informed the state of MD that Fay Servicing was placing a hold on my loan-account until XX/XX/XXXX, before they would take any further action. However, on XX/XX/XXXX, Fay Servicing reported to the credit bureau that I was in default which caused a XXXX drop to my credit. 

They did not keep their promise to wait until XX/XX/XXXX. I immediately called XXXX XXXX to report this and told their representative that their company had clearly acted in absolute bad faith because the entire time that I had been in default ( for 20 months straight ) they had never reported anything to the credit bureau. They knew the state of MD was helping me out, and they reported me - before the date they had set up themselves. Their representative had the audacity to tell me that I was not the only one that was affected by the pandemic ; that millions were keeping up with their mortgage payments. I told him that it was not his place to be making diminishing judgments of any of their customers. My mortgage is now up-to-date thanks to my state assistance. Over the years, I have come to dislike the way Fay Servicing representatives talk to me. They are extremely disrespectful and rude. I always feel intimidated by their phone calls especially during this pandemic that turned my life upside down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: FL

Complaint narrative:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment my from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX - XXXX : Initiated an ACH transfer in the amount of {$15000.00} from my Discover online savings account to a different non-Discover online savings account ( XXXX Bank ) XXXX - XXXX : Received email notifcation from Discover Bank regarding account suspension due to " unusual account acitvity '' and was told to call Discover " immediately '' to resolve. This account suspension led to my ACH transfer of {$15000.00} being frozen ( i.e. the money did not sucessfully transfer to my XXXX XXXX XXXX ) XX/XX/XXXX through XX/XX/XXXX : Initiated phone calls and suffered hold times varying from XXXX0 minutes to over 3 hours to no sucess in attempting to be put in contact with an employee from Discover 's security team who reportedly was the only one able to help me unlock my account This is UNACCEPTABLE both the lack of customer service/care and to hold my money frozen unable for my use when I NEED it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
This is an ongoing issue with Citizen bank. I was added as a signer to my mother 's checking account ( my mother was a long standing customer with Citizens bank and she knew all the bank tellers ), because I was coming to citizens bank to take care of my mother 's monthly bills. 

The bank teller said it would be best for the bank manager to add me to my mother 's checking account, because I was visiting monthly without being a signer on her account. 

12 months after I was added to my mother 's account, my mother passed away. She was receiving a monthly pension and social security checks, however, after my mom passed away her money was taken out by the treasury dept., this caused an issue because money had already been taken out to pay my mother 's monthly obligations. 

I had no idea this issue had arise. Once my mother became deceased, my family and I were trying to deal with the sudden loss of our mom. Her insurance wasn't yet finalized and I was in a long drawn out battle to become the executor of my mom 's estate, then Covid hit and the courts were shut down, as well as most of the economy. 

Two collection companies are sending my deceased mother collection letters, which they said Citizens bank authorized them to do so. The issue is Citizens bank already knew my mother was deceased. 

Also, Citizens bank has added my name to XXXX 's, which is another reason I want to resolve this ongoing issue. 

I called XXXX collection dept. and explained the situation and I was instructed to go to a XXXX branch and show my mother 's death certificate, I went to the actual location where my mom opened her account. 

I was greeted by XXXX XXXX XXXX, the branch manager, although she couldn't assist me because she didn't have access to any information, to know where to start. 


She was a loyal customer and the situation was not intentional by any means. Mom had a great relationship with Citizens bank. Also, there's many discrepancies of what was actually owed, there're four different amounts that's stated in the documents ( see exhibits ). 
Exhibit 1 states amount owned {$1000.00} ; exhibit 2a states {$1100.00} ; exhibit 3 states {$1000.00} ; exhibit 8a thru 8e states the principle balance is {$890.00} So, XXXX 's is not reporting correctly anyway, because there are too many discrepancies, such as the charge off amount, there four different amounts listed in the exhibits. In addition, the XXXX 's report states I conducted account abuse, how could it have been account abuse, if I wasn't aware of the situation. 

After my mother became deceased I no longer had access to her apartment or to retrieve her mail in a timely manner. I requested the post office to change her address to my current address, however by the time I receive my mother 's mail, Citizens bank had already charged off her account. I had no idea about the treasury taking money out until months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: PA

Complaint narrative:
Someone gained access to my credit card and made purshases/changes that I did not authorize or regonize in XXXX 2019. I disputed this information as I was told to do by a represenative they still reported a late payment

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 2022-06-22 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account 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 explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I applied for a loan with Rocket Mortgage, the loan originators name is XXXX XXXX ID : XXXX. When I spoke with XXXX I explained that I was applying for the loan to see if I would qualify and that if I did I would need to sell my current home first before closing on the acquisition of this home. I explained that this would be a process and it would likely take a while, putting me past my rate lock period. He explained no problem and told me rate locks are about XXXX dollars each and that they are due at the time of closing. I was ok with this as I understand that the rate would need to be extended. I extended it a total of 3 times and I am now ready to close the transaction and purchase the new property. I then get a call from XXXX with Quicken Loans XXXX ID : XXXX stating that he has great news and he worked his magic. My rate went up, and because the second rate lock expired I now need to go from XXXX cash to close to over XXXX cash to close. I said I was told it was XXXX, and that those numbers do not add up. He said he would look into it and called me back the next day ( XX/XX/2022 ). When he called me back today he said he looked into the issue with another department and it turns out " They failed to disclose the penalties and cost of extending the rate 3 times. '' After telling me that he then proceeded to tell me that Quicken Loans has decided there is nothing they can do to credit these costs. Now I am a week out from closing and have my current house about to close and I have to come up with an extra almost XXXX to buy the new house, or I will not have a new home for myself and 4 kids. This is the definition of predatory lending and not disclosing the costs of the loans. I am not sure what I can do as I hurry to find the additional funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment my from my credit report immediately.

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 2022-06-22 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: FL

Complaint narrative:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment my from my credit report immediately.

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 2022-06-22 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: PA

Complaint narrative:
I dont know why these account keep popping up on my report! I informed the companies of the fraud activity and they corrected my reports and then with any written nor oral heads up that you would again report misleading information. I want these removed forever for I have already told and proved I did open these accounts.

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 2022-06-22 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: PA

Complaint narrative:
I dont know why these account keep popping up on my report! I informed the companies of the fraud activity and they corrected my reports and then with any written nor oral heads up that you would again report misleading information. I want these removed forever for I have already told and proved I did open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC
State: NJ

Complaint narrative:
I inquired about a fee that was not disclosed or authorized and was told there is no fee though it shows on the XX/XX/2022 statement and subsequently afterwards in 'Overdue Amount '.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Employer : XXXX, AZ XXXX XXXX XXXXt XXXX XXXX XXXX, Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-22 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: TX

Complaint narrative:
I've disputed so many times explaining that I have not made any payments to the U.S. Dept. Of Education and/or XXXX since XXXX or XXXX. They are showing that I made a payment as late as of XXXX which is false as I was XXXX most of the year. It has been well over 9 to 10 years since a payment was made yet they are saying I made a payment in XXXX. I've asked the 3 bureaus to make XXXX SHOW RECORDS OF MY PAYMENTS AND THEY WON'T BE ABLE TO FIND ANY BECAUSE I HAVEN'T MADE ANY. I just want the people to stop destroying my life and STOP REPORTING FALSE INFORMATION.

Company response to consumer: Closed with explanation