vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I spoke with a representative about the tax payment that was coming due. The person explained how Quicken Loans manages the process for the customer and what to expect. I asked him to let me speak with someone that could give the details of keeping the payment at the current level. I spoke with a person that gave me details of what would be the outcome of a refinance. I have explained to several persons that have been calling us from Quicken Loans for weeks to refinance the mortgage. We inform them that the mortgage was just refinanced last year and that we aren't interested in refinancing our mortgage. 

During the conversation on XX/XX/XXXX, the representative mentioned a payment of $ XXXX/mo. through a refinance process with no PMI involved. I told the person that sounds great but my wife and I would not be interested. Thanks for your help and have a good day. 

On Friday, XX/XX/XXXX, my wife reads me an email that I had yet to read from my inbox about a credit inquiry for a new loan, etc. We gave no one permission from Quicken Loans, didn't hear them ask if it is alright to check our credit, or didn't expect anyone to do a credit check. This is an invasion of our credit information for the sake of Quicken Loans trying to " churn '' the loan to make money through the number of fees, etc. that come from a mortgage closing process. We understand the business community in all areas is currently having a difficult time. But, thank God we have not missed any payments to any creditor. Please let Quicken Loans know we do not appreciate being used in any way to line the pockets of businesses that already have financial resources way beyond retired persons such as my wife and I. Please let them know this information on our credit report needs to be removed as it bears no merit. I, nor my wife was asked if our credit could be examined to qualify for any additional loan actions through Quicken Loans. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with TransUnion since XXXX. TransUnion had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to 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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: FL

Complaint narrative:
The supposed Company is Castle Credit that I did have a loan with almost 9/10 years ago. I have been getting repeated phone calls from different numbers that when I searched these numbers, do not even link to Castle Credit. When I have called these numbers, there isn't even a proper vmail. I feel that this is someone that has gained my identity information trying to get me to pay something that has been charged off years ago. 

They use obscene language with me, threatening tactics & I have repeatedly told them to stop calling me because of this said debt being again, years ago. 

I received a generic type letter in the mail that looks like it was drawn up from someone at their home with weird numbers like XXXX which again, doesnt even belong to Castle Credit & when I DID call Castle Credit directly, they also said that they arent the ones calling me that this debt they have classified it as charged off. 

My Account number XXXX for {$780.00} This account was opened by my now, exwife back in XXXX or XXXX, which since I was in the Military and on assignment, I wasnt even there to sign my own name for this loan for a vacuum cleaner but of course I know that I was married at the time so it becomes my debt but she had put it in my name not hers which she should of done and the company shouldnt of accepted the info from her if i wasnt there to begin with. 

They also included a number in the letter that I received that is a different form of type than the rest of the letter XXXX which Castle Credit does have a XXXX main number but again when I contacted then, they know no such number. 

There are other numbers with the area code XXXX but there are just too many to list. Castle Credit also stated that they have not sold my account to any collection agency. The letter that I received is marked from Castle Credit not a collection agency. 

I want these calls to STOP! Especially not knowing who is contacting me & they dont even want me to pay Castle Credit, they are asking me to give them my card numbers which I KNOW is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I disputed several of the addresses that Experian had for me because of the wrong zip code or the address having a XXXX in front of it. They would not delete it. Clearly someone has been messing with my information otherwise I have never gotten my address wrong or put an XXXX in front of my address. There is also my name misspelled. The credit bureau just updated the info with the same wrong zipcode. Thats not helpful and clearly my time is of no ones concern. The fact that I have to go out of my way to write this email is insane, after spending all that time disputing it.

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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
I was contacted by a debt collector for an owed telephone bill for XXXX. I agreed to pay the amount in order to have the collections account removed from my credit report. The debt collection agency agreed to these terms but specified that I had to pay the entire owed balance. Upon paying the entire balance in one lump sum, the company did not keep its part of the agreement. The company put the collection on my credit, and just marked it as paid. I contacted them again and the representative told me they could not locate my account because it was paid. I asked why it wasn't removed as agreed, and she stated that they do not remove collections. It was a trick to get me to pay the full amount. 
Receivables Performance XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ( phone )

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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one bank froze my account for trying to withdraw XXXX at bank I can't even use my card. I also have a promissory note for my ppp loan. They are holding my funds and I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My loan was established in XXXX for a total of {$7000.00} with Sallie Mae. Navient took over my loan in XXXX. I also have another loan which is the XXXX XXXX XXXX  with Navient. AThis letter is particularly concern about the oldest loan. They received 3 large payments from XXXX XXXX XXXX XXXX which is not reflected in the loan payment history. They also add over {$7000.00} in capitalized interest. Payment have been made to the account for over 24 years, yet I still owe {$14000.00}, There is fraudulent loan servicing. I requested a breakdown of my payments and also the original loan documents from XXXX which they can not supply. I would like an investigation in this matter, because my payoff on this loan is slated for another 10 years, which is ridiculous. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Had a one year XXXX that matured XX/XX/21 that had an interest rate of 1.85 % apy or 1.833 % daily rate. Rec 'd the banks check today and the amount is not correct if you multiply the initial deposit by the interest rate. 

The bank has made an error in calculating the interest. I called them today and they would not discuss the matter with me other than to say that their calculations are correct. 
I asked that they email their calculations to me for my review but they refused. 

Please contact this bank to rectify their error. The bank is BMO Harris, an online bank. 

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE SENT NUMEROUS DISPUTE LETTERS TO XXXX EXPERIAN, AND XXXX TO DISPUTE THE NEGATIVE ITEMS ON MY CREDIT FILE. STILL TIL THIS DAY I HAVE NOT RECEIVED ONE INVESTIGATION RESPONSE, LETTER, AND OR ANY REPORTS OF THEIR FINDINGS. I DON'T THINK THAT IS TO MUCH TO ASK FOR A UPDATE BUT THEY HAVE REFUSED TO SEND ME ANY DOCUMENTATION REGARDING MY DISPUTE LETTERS.

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with Experian since XXXX. Experian had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to 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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
CBE Group dropped my credit rating XXXX points by reporting a debt that was not owed. They say I did not turn in cable equipment for XXXX  and it was turned in on time. I have the receipt for the return and the proof of the damage they inflicted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
My loans are held by Fed Loan Servicing. I was approved for Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) in XX/XX/XXXX and submitted a case on XX/XX/XXXX to have my payment history reviewed as I have made more than enough payments toward the forgiveness approval. My account/payment history has been under review since XX/XX/XXXX and I have not received any contact regarding the status of my payments or case. I want to know what is going on with my account and I want my loans forgiven. Today 's date is XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with Equifax sinceXX/XX/2020. EQUIFAX had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was told by the Consumer Financial Protection Bureau ( CFPB ) to submit my complaint again. 

XXXX reported six 90-day late payments to the Credit Reporting Agencies ( CRAs ). 
Those payments were put on forbearance to bring your account current. 
Due to the forbearance, XXXX should remove the negative reports because it contradicts the Advisory Opinion to Harris to the U.S. Department of Education. 

XXXX denied to update the credit reports on the basis that it was " correctly reported '' and that the Advisory Opinion to Harris relates to information that is incomplete or erroneous. 

In XXXX 's response to my first complaint, they are completely ignoring their duty as a " Furnisher '' under the FCRA. The 90 day late payments that are being reported as late are no longer late due to the forbearance. The attached approval for the forbearance shows that all payments from XX/XX/XXXX through XX/XX/XXXX were " postponed '' Therefore the payment that was due on XX/XX/XXXX which was 90 days late, was no longer due on XX/XX/XXXX, therefore no longer 90 days late and my credit reports should be updated. 

The information that they have provided to the CRAs is not complete nor accurate, directly conflicting with the FCRA. 

It is XXXX 's duty to update the information. 

" This duty extends to all student loan accounts reported toCRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was told by the Consumer Financial Protection Bureau ( CFPB ) to submit my complaint again. 

XXXX reported six 90-day late payments to the Credit Reporting Agencies ( CRAs ). 
Those payments were put on forbearance to bring your account current. 
Due to the forbearance, XXXX should remove the negative reports because it contradicts the Advisory Opinion to Harris to the U.S. Department of Education. 

XXXX denied to update the credit reports on the basis that it was " correctly reported '' and that the Advisory Opinion to Harris relates to information that is incomplete or erroneous. 

In XXXX 's response to my first complaint, they are completely ignoring their duty as a " Furnisher '' under the FCRA. The 90 day late payments that are being reported as late are no longer late due to the forbearance. The attached approval for the forbearance shows that all payments from XX/XX/XXXX through XX/XX/XXXX were " postponed '' Therefore the payment that was due on XX/XX/XXXX which was 90 days late, was no longer due on XX/XX/XXXX, therefore no longer 90 days late and my credit reports should be updated. 

The information that they have provided to the CRAs is not complete nor accurate, directly conflicting with the FCRA. 

It is XXXX 's duty to update the information. 

" This duty extends to all student loan accounts reported toCRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ''

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Mortgage loan # XXXX I had a payment deferral program about a year ago during the pandemia. I was granted 3 or 6 months of PAYMENT DEFERRAL, NOT A FORBEARANCE. They managed to mess up my loan to the point that they asked me to pay the month of XXXX, which I did not owe. I must have spoken to several persons and they ended up repotting " a missed payment '' that messed up y FICO. I had to file a complaint with you and deal directly with their Executive Offices. After much back and forth they finally corrected my XXXX  credit report and all other bureaus. I owe this to YOU and my persistence. But lo and behold< they blew it again. I have been paying my P & I payment on time ( always on the first day due ) and I paid XXXX and the website showed the payment applied correctly and that the next payment was due in XXXX. I made that payment on XX/XX/XXXX by means of my XXXX  CHEKING ACCOUNT but today they don't show the payment posted and they show next payment due date to XX/XX/XXXX. I sent them a email message and was told that to get better service to call the Home Retention Program which I did today ( XX/XX/XXXX ) and spoke to XXXX who transferred me to XXXX who promised to call me back with a solution but never did. Ladies and gentleman BofA functions like a fourth class bank, please help. I was in XXXX 35 years and am an XXXX. My FICO with BofA is XXXX. I can stand this mess anymore

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 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
XX/XX/2021 This complaint is in followup to my previous complaint # XXXX. Bridgecrest did not accurately update/correct my credit reporting as promised as a result of my previous complaint ( See attached letter confirming this ). Per Bridgecrest 's published response to my previous CFPB complaint, all credit bureau reporting was to be updated to remove all derogatory information. During my telephone conversation with XXXX XXXX. ( Bridgecrest Compliance Dept. ) on XX/XX/21, I notified her that my credit reports have NOT updated accordingly as promised. She advised that perhaps the credit bureaus have not updated yet and suggested that I contact the bureaus because it was not the fault of Bridgecrest that the bureaus have not updated. However, I have disputed with all credit bureaus in order to have the reports updated. They have completed their investigations and all have confirmed that Bridgecrest is still reporting my account as a " PAID CHARGE-OFF '' with a " MAJOR DELINQUENCY '' first reported XX/XX/2021. The most recent completed dispute/investigation results are from XXXX  dated XX/XX/2021 ( over 45 days since I was first told that my reporting would be changed to show no derogatory information whatsoever ). I have, indeed, followed the advice of XXXX XXXX from Bridgecrest by contacting the bureaus as well as filing credit disputes in order for an investigation to be carried out. The results of these actions confirm that my account is not being reported as completely positive with no derogatory information as promised ( in a telephone conversation with XXXX XXXX on XX/XX/21, by a letter sent via XXXX First-Class mail from Bridgecrest datedXX/XX/21, and by the Bridgecrest response on XX/XX/21 to my CFPB complaint ). As of today, XX/XX/2021 ( 90 days since I was told that my reporting had been updated to reflect a positive status with no mention of any negatives ), XXXX and XXXX  are still both reporting DEROGATORY, PAID PROFIT AND LOSS, CHARGE-OFF, etc., which is not the information that Bridgecrest promised to report.

Company response to consumer: Closed with explanation