vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-13 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The referenced credit bureau has ignored my requests to property investigate and is inaccurately reporting a bankruptcy on my credit report. When written disputes are submitted, I receive an auto generated response stating that they are confirming the information with XXXX XXXX ( a third party verification company ). 

I reached out to XXXX XXXX to verify this information and they have assured me that there is no such bankruptcy being reported by them as of XX/XX/2020. I have attached a letter from them stating my information was updated for your records. 

This inaccurate reporting from Equifax and XXXX  is inaccurate, it is hurting me personally and my chances of showing credit worthiness, I have been denied XXXX loans and government assistance for XXXX loans because of these inaccuracies and it has caused extreme hardship, stress and time trying to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
it has been more than 30 days and the credit companys have yet to remove these accounts or send me any information about these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The referenced credit bureau has ignored my requests to property investigate and is inaccurately reporting a bankruptcy on my credit report. When written disputes are submitted, I receive an auto generated response stating that they are confirming the information with XXXX XXXX ( a third party verification company ). 

I reached out to XXXX XXXX to verify this information and they have assured me that there is no such bankruptcy being reported by them as of XX/XX/2020. I have attached a letter from them stating my information was updated for your records. 

This inaccurate reporting from XXXX  and Experian is inaccurate, it is hurting me personally and my chances of showing credit worthiness, I have been denied business loans and government assistance for business loans because of these inaccuracies and it has caused extreme hardship, stress and time trying to get this corrected.

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 2020-12-13 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:
I believe I am a victim of identity theft. I noticed these items on my credit report in XX/XX/2020. This identity theft has caused great distress in my life and has put me in a great XXXX. Identity theft has cause emotional, mental, and physical turmoil in my life and has caused me to not be able to care for myself and my family the way I would like.

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 2020-12-13 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: TN

Complaint narrative:
it has been more than 30 days and the credit companys have yet to remove these accounts or send me any information about 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 explanation
Consumer complaint received 2020-12-13 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: TN

Complaint narrative:
it has been more than 30 days and the credit companys have yet to remove these accounts or send me any information about 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 explanation
Consumer complaint received 2020-12-13 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 believe I am a victim of identity theft. I noticed these items on my credit report in XX/XX/2020. This identity theft has caused great distress in my life and has put me in a great XXXX. Identity theft has cause emotional, mental, and physical turmoil in my life and has caused me to not be able to care for myself and my family the way I would like.

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 2020-12-13 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 believe I am a victim of identity theft. I noticed these items on my credit report in XX/XX/2020. This identity theft has caused great distress in my life and has put me in a great XXXX. Identity theft has cause emotional, mental, and physical turmoil in my life and has caused me to not be able to care for myself and my family the way I would like.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I purchased a property using FHA financing for {$89000.00}. It transferred on XXXX. Since living here, my XXXX has been aggravated by the gas fumes coming from the gas station next door. I understand that my house should have been 300 feet from the gas tanks to qualify for an FHA loan and per a recent appraisal it is only 200 feet from the gas tanks. Also the value of the house was inflated by approximately {$15000.00} ( Attachment 3 ). Documents attached were sent to Quicken Loans. 

XXXX XXXX of Quicken Loans responded to me on Friday, XX/XX/2020 stating that these were appraiser issues and not loan issues and I should take it up with the appraiser. She continued by saying that Quicken Loans is not responsible. But the loan officer was aware of the 300 foot requirement and she said in an email that she would have her collateral crew verify the distance before proceeding ( Attachment 4 ). Additionally, I paid Quicken Loans for the appraisal and had absolutely no interaction with the appraiser. 

I was a client of Quicken Loans and I expected they would follow FHA guidelines in providing a loan to me and they didn't. So, I hold Quicken Loans fully responsible. If Quicken Loans think the appraiser did not do his job, then they should be the one to pursue the appraiser. 

I want Quicken Loans to cancel my mortgage, take the house back and refund my down payment and moving expenses. 

( Unfortunately I was not able to upload attachment 3 because of size- the appraisal I had done on XXXX which showed a value of {$76000.00}. This has been sent to Quicken Loans )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
Hayt Hayt Landau PL. filed suit for a " Debt '' they claim is owed to them. There have not been any contract entered in with such company ( except notice mail. later ) and by attempting to " collect '' are in violation of a default notice ( certified letter XXXX sent asking them to show verification or validation or cease actions. They failed and now have filed a suit. 
Their claims are invalid and are of a fraudulent construction. All details are not revealed making them further incorrect in their claims. They also have not told the price they bought consumers debts for.

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 2020-12-13 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: AL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30-60 days gives a reason to immediately remove those items from my credit report it has been over days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me.

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 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a venture credit card with capital one. I had lost the card and requested a new card. After few days, a screen popped up on capital one mobile app asking if I would like to upgrade my card from venture to quicksilver. Comparison showed that currently I am getting XXXX reward for every dollar and with new card I will be getting XXXX. Rest of the terms are same. Who will not upgrade it? I accepted it, but after conversion I see that all my miles have been converted to dollar. Miles had more values. I called capital one back that your comparison did not mention that miles will be converted to Dollars. They said that I can not go back and ended up taking dollars than miles. This is clearly a fraud for having customers take the cash back than dollars which has more value. I was upset and ended up closing the account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
XX/XX/2020 I signed up for Lexington Law Firm XXXX XXXX XXXX. I decided to cancel the service on XX/XX/2020. 

XX/XX/2020 Lexington Law debited my checking account for {$100.00} without authorization and for no services provided to me because the service was cancelled. 

I telephoned Lexington Law Firm on XX/XX/2020 and spoke to a paralegal XXXX who confirmed the services were cancelled so my account should not have been charged. 

I telephoned my bank and requested a stop payment on all future charges by Lexington Law Firm in the event the company attempts to withdraw money from my account for a service I do not have with this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
On XX/XX/20 I was notified by an attorney soliciting my business, that I was being sued by Zwicker & Associates in the amount of {$19000.00}. I researched and found this online and to my surprise, found this to be true. I called their office on XX/XX/20 to attempt to validate the debt and understand why I didnt receive any mail. The representative told me that they had the wrong address. On the court document they have an address listed from 3 years ago. They made no attempt to locate my correct address and I never received any mail from them regarding this supposed debt, so I had no opportunity to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: AL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30-60 days gives a reason to immediately remove those items from my credit report it has been over days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me.

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 2020-12-13 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: AL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30-60 days gives a reason to immediately remove those items from my credit report it has been over days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
No less than 5 times a day i receive phone calls from theaw 2 numbers. 
I have received over 28 calls in the last 96hrs. They start xalling me as early as XXXX and the last call is always after XXXX PST. 
The 888 number is a robo caller and the XXXX  number is a live representative. 
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 2020-12-13 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Unauthorized credit inquiries that I need removed from my report, I currently have a fraud alert and freeze on all bureaus but I need the ones that did get through to be removed. 

List of unauthorized inquires : XXXX  : XXXX XXXX XXXX  XXXX-XX/XX/2020, XX/XX/2020, XX/XX/2020 XXXX- XX/XX/2020 XXXX : XXXX XXXX XXXX- XX/XX/2020 XXXX  XXXX-XX/XX/2020 XXXX XXXX-XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 XXXX : US SM BUS ADMIN ODA- XX/XX/2020 XXXX  XXXX-XX/XX/2020 XXXX-XX/XX/2020, XX/XX/2020 XXXX XXXX-XX/XX/2020 , XX/XX/2020, XX/XX/2020 XXXX XXXX- XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
CrossCountry Mortgage is the most incompetent company I've ever had the displeasure of doing business with in my XXXX years on planet Earth. I refinanced my mortgage with them in XX/XX/XXXX. At closing, 2 escrow line items in the closing costs were 2 property tax bills due XX/XX/XXXX, one for ~ {$750.00} and another for ~ {$3300.00}. In late XXXX I received notification via mail that neither of these property tax bills had been paid. I logged onto my online account and checked the escrow section. Sure enough, whoever at CrossCountry populated my future tax payments due had completely skipped the payments due in XXXX and started with tax payment due in XXXX. On XX/XX/XXXX I called CrossCountry 's " service '' center to report the issue and was advised to scan the property tax bills and email them in, which I did, plus I provided a detailed description of how my property tax payments work as well as a copy of the escrow statement from my prior mortgage provider. The next day the ~ {$750.00} property tax bill was paid. However, the ~ {$3300.00} property tax bill was not. That is also the day my story begins of countless phone calls to the " service '' center, most of them resulting with me explaining my issue, being put on music hold for 10-15 minutes to wait for a supervisor, and eventually being either disconnected or dumped off to an automated survey. I was able to garner some information from these dozens of calls. I am aware that at least 2 " cases '' were opened for my account and subsequently closed without my property tax bill being paid. On 3 separate occasions I was given specific dates by which my outstanding property tax bill would be paid. All 3 dates passed without my property tax bill being paid. I've emailed the property tax bill for ~ {$3300.00} due XX/XX/XXXX to the service center 3 times now. I've emailed the delinquency notice I received from my town to the service center twice. I mailed a complaint letter to CrossCountry on XX/XX/XXXX with supporting documents, including the tax bill and the delinquency notice. At this point there is close to {$6000.00} sitting in the escrow account, my property taxes for ~ {$3300.00} are a month and a half late, I've received a delinquency notice telling me I owe an extra ~ {$50.00} in interest, and I'm about to lose my mind. No amount of money I saved on my monthly mortgage payment is worth this level of frustration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: BMW Financial Services NA, LLC
State: MO

Complaint narrative:
BMW recently stated here in a prior complaint -they offered to take the BMW reported erroneous credit history information off my credit reports. The offending information was taken off my XXXX and XXXX XXXX but not my XXXX. This failure to act on BMWs part shows BMW is in the business of harassing people who complain about them. 

XXXX  has helped facilitate this fraud along with bogus credit inquiries made for my credit report without permissible purpose authorization. These issues will become a separate complaint about XXXX business practices and vindictive nature too,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
Deceptive practices, false and misleading representations in accordance of title 15 ( TILA ) and fraud for furnishing my private information to a third party in accordance to the privacy act of 1974. The amount that Im being held principal for is {$57000.00} with the monthly installments of {$830.00} ... .. The actions Ive taken so far were sending in a consumer enforcement action letter to inform them of the violations that were made. CREDIT ACCEPTANCE was informed the day of XX/XX/2020 when signed and received by one of the representatives! I also received a call from one the representatives on the day of XX/XX/2020 by the name of XXXX XXXX that works in the compliance department she asked me what did I want them to do in regards to the enforcement letter they received and my response was to be recompensed for the damages that has taken place against my natural person and for the account to be discharged in accordance to HOUSE JOINT RESOLUTION 192 ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Pulled a copy of my credit report and noticed unauthorized inquires from several companies that I didn't do. I reached out to them already they said contact the bureaus to get these items deleted without a problem.

Company response to consumer: Closed with explanation