vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 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: NV

Complaint narrative:
I have received a copy of my credit report and found alleged items that I do not recognize and therefore must be deleted. Pursuant to FCRA 623, I am demanding their removal. I have listed the referred to items below. 

Accounts : XXXXXXXX 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 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 XXXXXXXX XXXX XXXX According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ].

Thank you.

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 2021-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I sold my home secured by a mortgage held by freedom mortgage corporation on XXXX XX/XX/2021. I let two weeks go by and then started inquiring on my escrow refund of {$4400.00}. On XXXX XXXX, a full month after selling my home I called freedom mortgage and informed them that I had yet to receive the refund check. I was told that I would have to wait another four weeks before they could issue a stop check and re-issue a refund check. I finally received my escrow refund today XXXX XXXX, 2021. To have to wait over a full month for an escrow refund is unacceptable in my opinion. Additionally there was no sense of urgency On the part of the freedom mortgage customer service representatives. This has been a wholly unsatisfying experience and I believe freedom mortgage should be held accountable and not be allowed to treat consumers this way. Thank you, 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 2021-07-09 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: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
During refinancing my house, multiple companys have pulled my credit score and equifax score does not report out. Contacted equifax regarding the issue and multiple times and they could not figure out why my score is not getting reported out. They stated they can see my score and credit history but when trying to create a equifax account it gives an error message of NH and states to contact equifax directly. 

After contacting them 5 times they have not cleared up the issue and said they would have to send it to another department and should hear back within 14 days. I have asked for another contact number and they stated there is no other number and I just have to wait for them to contact me. This is going on 3 months and I still havent heard back and the issue is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
In my opinion Wells Fargo is deliberately holding transaction to cause me to overdraft. Transactions pend for too long. My ending balance be positive but I still end up getting an overdraft charge. I called twice and informed to customer service Rep I could afford the overdraft charges and it's very expensive. 

XX/XX/21 Authorized Pro Lock for {$55.00} XX/XX/21 ending daily balanced is XXXX XX/XX/21 ending daily balance is {$0.00} XX/XX/21 overdraft charge of {$35.00} for the {$55.00} transaction ( Received a partial reversal of {$17.00} ) XX/XX/21 Ending balanced is {$390.00} XX/XX/21 Posted credit card payment of {$30.00} XX/XX/21 Ending daily balance is {$360.00} XX/XX/21 Overdraft charge of {$35.00} for the {$30.00} Transaction XX/XX/21 Ending balance is {$5.00} XX/XX/21 Posted transaction XXXX XXXX for {$5.00} XX/XX/21 Overdraft charge of {$35.00} for the transaction of {$5.00} ( Received a partial reversal of {$8.00} ) XX/XX/21 Ending daily balance {$5.00} XXXX Deposit of {$290.00} XX/XX/21 Authorized transaction for XXXX XX/XX/21 Ending balance {$4.00} XX/XX/21 Overdraft Charge of {$35.00} for the XXXX transaction. ( Received a partial reversal of {$8.00} )

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 monetary relief
Consumer complaint received 2021-07-09 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: VA

Complaint narrative:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/XXXX 2. XXXX XXXX XXXX  on XX/XX/XXXX 3. XXXX on XX/XX/XXXX 4. XXXX  XXXX on XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX on XX/XX/XXXX 8. XXXX XXXX on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: VA

Complaint narrative:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 

These fraudulent credit inquiries made by the following companies : Inquiries : 1. Equifax Mortgage Ser on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. Equifax Mortgage Ser on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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:
A fraudulent account was opened in my name at XXXX. I informed XXXX  of the fraudulent account and they concluded that account was verified to be correct. But XXXX verified that the account was fraudulent on the attached letter below. Account is fraudulent and XXXX  keeps reporting it and affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage. 

1.I had a modification in XX/XX/XXXX. Freedom purchased the mortgage from previous lender.

2. I was retiring from XXXX after 25 years at that point. I had not found employment and my retirement pay was taking 2 months to start. I tried contacting Freedom for help but was ignored.

3. I made consistent payments often double payments up until I sold the house in XX/XX/XXXX.

4. Freedom has me listed as 30-60 days late on payments consecutively from XXXX XXXX XXXX. I have contacted them to change this information and they have refused. 

5. Their refusal cost me the VA mortgage for a home for my family.

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 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX phone # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX has reported a collection notice on my XXXX  Credit report in the amount of {$6000.00}. 

The collection has been reported as a past due amount. Which is not reflected on my credit history anywhere EVER. I don't know who this company is and have never done business with them. 

This company does not have any contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Lexis Nexis requesting information on their process of sharing data when a consumer has a security in place and has opted out of all of its data sharing services. I requested that Lexis Nexis response via XXXX mail delivery within 14 business days. As of XX/XX/XXXX Lexis Nexis has yet to respond to my request. I am in the dispute process with XXXX XXXX, and XXXX  about an inaccuracy on my consumer credit report that continues to be validated by Lexis Nexis. This is concerning to me because as stated previously, I have opted out of all data sharing with Lexis Nexis and I have had a security freeze in place since XX/XX/XXXX. It is imperative that Lexis Nexis explain their process of sharing information on a consumer that has opted out of data sharing and has a freeze in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
I sold my XXXX XXXX XXXX to XXXX on XX/XX/XXXX, and they informed me that the check for the balance in full was received by Bridgecrest on XX/XX/XXXX. 

On XX/XX/XXXX, my car payment showed past due ( within 30 days ), so I called Bridgecrest for guidance on why the payoff had not yet been processed, and asked if I needed to make another payment. I was informed that the date on the check would be honored, but that if the payoff was not received by XX/XX/XXXX, that it would be reported as late, so I should make a regular payment prior to then to ensure no late payment would be reported to the credit bureau. I asked if the payoff would still be honored, and if I would get a refund for the additional payment, and the agent did not know, but said if there was an overpayment I would receive a refund. 

On XX/XX/XXXX, the payment was entered into the system as pending. 

On XX/XX/XXXX, the payment was processed and I received an email confirming that my account was paid in full, and that because of my impeccable payment history, they would love to finance another vehicle for me. 

Also on XX/XX/XXXX, I received another email stating my account was past due {$0.00} and that if I did not make a payment for {$0.00} by XX/XX/XXXX, a 30 day late would be reported to the credit bureaus. I called and spoke to an agent who informed me that the email was automated, and that if my account was paid in full, that it was sent in error. 

On XX/XX/XXXX, I received a refund from Bridgecrest in the amount of {$43.00} for the overpayment on my payoff, dated XX/XX/XXXX. 

On XX/XX/XXXX, I received an alert from XXXX  that Bridgecrest reported my account had been closed in a bad standing with a 30 day late. I called Bridgecrest to fix it, and they refused, saying that it was my fault and that I was properly informed that it was 31 days late when they posted the payoff. I was never informed that I needed to pay it prior to XX/XX/XXXX, as will show in the phone calls. I was only ever informed of XX/XX/XXXX, and was told that the payoff from XXXX would settle this if it was posted to my account prior to XX/XX/XXXX. I spoke with two different people in Escalated Customer Relations, and was told they would be doing nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have never been under contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: RI

Complaint narrative:
Collection trying get my money danger my credit score because account is opened fraudulent out my concerns trying fixed error with this company credit one now send me collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Include dates : XX/XX/2021 amounts, and actions that were taken by you or the company : XXXX, all my cards it's paid in full each month and on-time This is ridiculous, i've been with citi over 20 years and have XXXX fico scored, always paid on-time and pay-in-full, i have total around XXXX credit with 3 cards combine, suddenly today i received a 3 letters saying all my account has been closed and don't give reason, have to write letter to the PO box address. This is so XXXX XXXX, what's going on? Anyone know what's going on? This is bad and not fair to consumer who has done nothing wrong and good credit. Can someone give me an answer? All my reward points can not redeemed too once it's closed according to the XXXX  rude customer service.

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 2021-07-09 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: GA

Complaint narrative:
I was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXX, US DEPT OF EDXXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Please reopen my complaint # XXXX to include my reply to SLS : SLS response is unacceptable and irresponsible. They are continually repeating a long drawn out response about what the record shown instead of identifying their errors and correction it. My mortgage statement shows SLS purchased insurance on my behalf on XX/XX/XXXX for the insurance lapse period in the amount of {$130.00}. My mortgage statement also shows that on XX/XX/XXXX, they received my repayment in the amount of {$130.00} which they misapplied by entering it into a suspense account. My statement further shows that on XX/XX/XXXX, {$130.00} was removed from that suspense account and applied as Additional Principal Payment. No one is stating these errors and misapplication of my payment. It has been totally ignored. For two years I have been given numerous assurances that the problem has been fixed, but every month since then, it has Not. This problem has led to numerous erroneous fees that I am not responsible for. What would it take for SLS to admit and correct their errors. Please, I need help.

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 2021-07-09 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: OH

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

its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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