vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I worked with Caliber Home Loans for a consolidation mortgage for XXXX homes. I am also XXXX XXXX 

Because of the XXXX XXXX I did not qualify for the mortgage. The mortgage broker suggested that I take out a payment of {$3500.00} per month from my XXXX to qualify. It was a ruse to trick the government. I still have to pay a penalty to do this as I am under XXXX XXXX. 
The company suggested that once I qualified I could cancel the payment. They required all kinds of documentation and then at the very last moment we were denied based on the XXXX XXXX early withdrawal fee that I would have to pay. 

I would have never done this without the company suggesting that I do it. It was unethical and very shady. 

I am also a XXXXXXXX  borrower and I do suspect discrimination, but I can not prove it. 

Do not work with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: IN

Complaint narrative:
In violation of the Fair Debt Collection Practices Act, Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX filed the attached Notice of Sheriff Sale XX/XX/2022, and caused the same to be served on my wife and I, who hold a deed to the property with stating the Judgment to be satisfied, in violation of the FDCPA. Upon receiving notice of the sheriff 's sale, I immediately contacted XXXX, XXXX XXXX, XXXX and spoke to an employee that identified herself as : XXXX. I explained the Notice XXXX XXXX XXXX did not list the XXXX to be satisfied. She stated she would have that amount emailed to me that day or at the latest the next day, Friday XX/XX/2022. It was never emailed. This violates the FDCPA. Further, for years the mortgage holder servicer ; XXXX XXXX XXXX XXXX, XXXX MORTGAGE SERVICING ; and the mortgage holder : THE BANK OF NEW YORK MELLON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX, ASSET-BACKED CERTIFICATE, SERIES XXXX, has repeatedly failed to comply with federal after we have received written authorization from their client and he also gave verbal authorization to the servicer who gave us a quit claim deed to stand in his shoes to pay off his mortgage so we can clear the stain on the title. 15 U.S. Code 1639g, states : - Requests for payoff amounts of home loan. A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than XXXX business days, after the receipt of a written request for such balance from or on behalf of the borrower. In fact the attorneys for the Bank XXXX New York and its servicer, XXXX, Attorney XXXX XXXX, XXXX XXXX XXXX and Attorney XXXX XXXX, have mislead courts on a material factual matter, to wit : they in fact had the required authorization to provide a payoff letter, whether for use in an assumption or for the Plaintiff to get an outside loan, and made a material misstatement of fact that they could not provide a pay off letter. This violates federal law as shown above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I have tried numerous times to dispute a charge made by a timeshare resort called XXXX. I've attached a detailed letter that was included in our dispute, but it obviously fell on deaf ears. However, let me give you a brief description of our issues. We were sold a " right to use '' timeshare by XXXX, which turned out to have multiple false pretenses. We never were interested in buying a timeshare until they started talking about additional benefits that came with it. First, was the XXXX website. They told us all hotel booking sites get 20 % or more of the hotel cost. By being a member of the XXXX website, we would get to bypass this markup and save 20 % or more on all hotels. This seemed like a good benefit given we travel frequently. Once we obtained our website credentials, we quickly realized none of what they said was true. Almost every area you look to book a hotel is full price and in very few areas there might be XXXX or XXXX hotels discounted. They made a gross overstatement on this. Second, was the XXXX XXXX membership. We were told we would have access to rent houses at any time all over the world for a fraction of the price. Again, once we obtained our website credentials, we quickly realized none of what they said was true again. There are very few houses on the website and the houses are rarely available. Once again, they made a gross overstatement on this. And third, the golf program. We were told we would have access to private courses for a reasonable price all around the world, included in our hometown of XXXX, XXXX XXXX play golf, so that seemed like good benefit as well. At this point the only thing we have seen on this is a list of courses in their sale office. We even called golf courses on their list, and they had never heard it. So basically, they sale you on all these so called " added benefits '' that turn out to be useless. Interval should not even allow a sham company like XXXX to use their credit card when they blatantly lie to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: MD

Complaint narrative:
Equifax has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of XXXX FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars. I have also filed a complaint with my attorneys general office and the better business bureau. Equifax is willfully furnishing this incorrect information. Equifax stated ( see statement below ) that the information was verified with the furnisher. That is not true because I have a letter from the furnisher denying that you verified anything with them. Equifax also stated that they received the information from XXXX XXXX. That also is false because I requested my consumer report from them and there is no Bankruptcy listed on my report. Equifax did not even read the paperwork I submitted because they would not have responded with a statement that contradicts the dispute with factual evidence. So who did Equifax verify the information with for them to state that it is verified??? This is the big question. I will pursue all of my legal rights and request damages for willfully furnishing false information. 
STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : A NON DISCHARGED/OPENED OR DISMISSED CHAPTER XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE XXXX YEARS FROM THE DATE FILED. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you XXXX visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You XXXX also obtain a free copy of your credit report on annualcreditreport.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
In reference to CFPB Complaint # XXXX, Credit Bureau Systems ' Compliance Director, XXXX XXXX , just admitted to violating my rights and Federal law since XXXX 

I have requested verification of this alleged debt, which she has failed to provide within the 30 days allowed under Federal law or in the past XXXX years. 

I have requested documentation with my signature on it, none has been provided within the 30 days allowed under Federal law or in the past XXXX years. 

Written notification was never provided letting me know that this alleged debt was in collections or going to be placed on my consumer reports in XXXX  or in the past XXXX years. 

So as I previously stated, XXXX and XXXX XXXX have violated my rights and Federal law and have done so for the past XXXX XXXX 

This is how things are done at XXXX. It's part of their Standard Operating Procedures to willfully and continually violate Federal law and peoples ' rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or 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 explanation
Consumer complaint received 2022-08-01 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: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or 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 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have XXXX paid and settled. I have disputed these accounts to ask the credit bureaus to update the status correctly and the bureaus have not. I have reached out to the original agency to ask them to send an update to bureaus which did happen but the bureaus have not updated.

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 2022-08-01 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: WA

Complaint narrative:
I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are Required by law to do so please investigate my disputes, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: SC

Complaint narrative:
To Whom It XXXX Concern, Over 60 days ago I was added as an authorized user to a XXXX XXXX credit card. To date, either XXXX ) XXXX XXXX has failed to report this status accurately, or XXXX ) XXXX, Equifax, and XXXX have failed to report this status accurately. 

I believe that creditors and the bureaus must report with 100 % accuracy in an expedient matter, and this is clearly not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Firstmark Services has the allocation of payments to be as follows : fees first, interest second and principal third. I payed {$50.00} over my minimum payment and firstmark did not put that {$50.00} towards my principle they put it towards my next minimum payment. I have reached out to them twice with absolutely no response. Firstmark is not honoring their agreement on how payments will allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wednesday XX/XX/XXXX I called Wells Fargo fraud department to dispute XXXX worth of charges that were not mine charged to XXXX XXXX pretty much drained my account, I was promised a follow up within two Businees days was never called to explain my situation more in depth did not hear anything until Friday the XXXX of XXXX and just got denied with no credit back to my debit card with no evidence or follow up

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 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS : XXXX : XXXX XXXX : XXXX Transunion : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The date last active day is wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The date last active is wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are accounts were mine.. 

Also, I have some personal information that needs to be addressed as well. Can you please investigate and remove these names as well? It should only be as listed at the top of this letter. 

Wrong Names : 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 2022-08-01 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: MD

Complaint narrative:
I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS : Experian : XXXX XXXX : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : 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 None of these are accounts were mine.. 

Also, I have some personal information that needs to be addressed as well. Can you please investigate and remove these names as well? It should only be as listed at the top of this letter. 

Wrong Names : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Wrong Addresse : XXXX XXXXXXXX XXXX XXXXXXXX, 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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I HAVE THIS SITUATION, XXXX XXXXXXXXXXXX XXXX IS REPORTING INCOMPLETE AND INACCURATE INFORMATION ON MY CREDIT REPORT. I SEND TO MANY LETTER TO THE CREDIT BUREAUS WITH NO REPONSE OF THIS ISSUE, THEY KEEP SAYING THAT THIS ACCOUNTS ARE VERIFIED AND THEY UPDATE THE INFORMATION, BUT IM STILL LOOSING INFORMATION ON MY CREDIT REPORT, FROM THIS COMPANYS, AND TODAY I RECEIVE A LLETER FROM THOSE TWO COMPANY SAYING THAT I DONT INDICATE WHAT SPECIFIC INFORMATION IM DISPUTING OR REQUESTING TO VERIFY, AND I SEND THE LETTER CERTIFIED WITH THE SPECIFIC ISSUES THAT THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT. ACCORDING TO THE FCRA THEY NEED TO GIVE THE COSNUMERS AGENCYS THE CORRECT AND EXACT INFORMATION ON MY CREDIT REPORT, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

ATTACHED I SEND THE DOCUMENTS THAT I SEND TO CREDIT BUREAUS, THE CERTIFIED LETTER PROOF AND THE LETTER THAT XXXX XXXXXXXX XXXX SEND ME FOR THOSE 2 ACCOUNTS THAT IM DISPUTING. 

I KNOW THAT I NEED TO WAIT THE 30 DAYS FOR A RESPONSE, BUT I ALREADY RECIVE RESPONSE FROM XXXX XXXX XXXX, THATS WHY IM SENDING THIS DISPUTE THROUGH THIS COMPANY. 

ATTACHED ALL THE LETTERS WITH THE DIFFERENTS DISPUTES AND THE SCREENSHOOT OF THE MOST RECENT 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