vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 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: CA

Complaint narrative:
I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW ACCOUNT SHOWING LATE PAYMENT HISTORY. I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNT AMENDED IMMEDIATELY TO SHOW NEVER LATE. I HAVE FOUND AN ACCOUNT REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNT. 

PLEASE AMEND THIS ACCOUNT TO SHOW, NEVER LATE. ON XXXX, XXXX AND XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW ACCOUNT TO BE AMENDED AS IT WAS BEING REPORTED IN ERROR. 

TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT AND NOW YOUR COMPANY IS IN VIOLATION THE 3RD TIME OF THE FCRA GUIDELINES REGARDING INVESTIGATIVE RESULTS REPORTS DEADLINES ON I AM IN ESCROW AND NEED THIS ACCOUNT DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
I owe a old credit card debt to XXXX  XXXX. the debt was taken over by Malen & Associates , p.c . The company repeated calls and harasses using a call screener with multiple automated messages. The company has a stipulation of settlement and the company has collected payments and refused settlement. the company still calls me using a automated dialer with a automated message during lunch and dinner. The company is aware i want to settle the debt for less than is owed, and will not stop the harassing communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX, XXXX, XXXX, XXXX PULLED MY EXPERIAN WITHOUT PERMISSION. I HAVE CONSIDER FRAUDULENT.

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 2020-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I have repeatedly filed for a forebearance with my mortage company over the past two years. I have each year had a valid unemployment letter. the company has unfairly denied my modification request. I have money to meet my priority debts and i am being unfairly denied the forebearance. I have all the paperwork including proof of unemployment and a completed modification form and i am not being approved for the request for forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: ONEMAIN FINANCE CORPORATION
State: UT

Complaint narrative:
One MaXXXX XXXX  is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: OR

Complaint narrative:
My husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, Experian, XXXX and XXXX  barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer

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 2020-03-26 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: OR

Complaint narrative:
My husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, XXXX, XXXX  and Transunion barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer

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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, XXXX, Equifax and XXXX  barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I am apply for a mortgage modification for the 10th time in the past two years. I am denied for my forbearance request and have proof of unemployment. I have enough income to cover the mortgage and utilities and am still being denied the forbearance. I believe that i am entitled to the forbearance request and am being denied as the servicer tries to earn fee income and compounding interest on the holding of my note

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I have a previous complaint number XXXX. The letter the company put on your website, which was correct, is different from the one the company has in their system. I am also concerned about what is going on with my overpayments, as it is not addressed in this letter. I continue to receive collection calls. The agents and supervisors state there are numerous misapplications of my payments. This has been going on for 6 months. I spend HOURS every month on this and have not been able to get this resolved.

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 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
I am receiving frequent and repeated calls from a robodialer during lunch and dinner. At one point even being called around XXXX XXXX. the calls are from multiple random numbers and have multiple random messages with each call. The automated dialer will call three or four times and come from multiple different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.

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 2020-03-26 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.

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 2020-03-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had half a dozen Business Credit Cards in the past and have never had a problem with personal credit. I recently opened a XXXX XXXX XXXX XXXX Credit Card for a business purchase and they reported my balance and information on my personal credit report. 

I understand that I am a personal guarantor of the credit card- like all business cards- but NONE of the other business cards have ever reported on my personal credit report. I have excellent credit 780+ and used the card for a business purchase of about {$10000.00} and my credit score dropped by 104-114 points. This PERSONAL credit report was not clearly disclosed. When I called XXXX XXXX they said it is in the terms and conditions. I checked and it is buried in there. It is NOT clearly highlighted that this will impact personal credit or report on personal credit. They are the ONLY company I have dealt with ( XXXX, XXXX, XXXX XXXX, others ) do not report this. This needs to be disclosed CLEARLY just like APR and other issues. This has now negatively impacted me and I NEVER would have opened this card if this had been disclosed clearly, which it was not, and was misleading. 

I read the entire website- NO WHERE is it mentioned that this will report on personal credit. I read the Terms and Conditions on the site, no where does it say that it will report on personal credit, which is a deviation from industry norms. https : 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 2020-03-26 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:
XXXX, TRANSUNION AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THESE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX : Account Number -- -- > XXXX -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number -- -- -> xxxxxxx -- -- > Date Opened : XX/XX/XXXX XXXX XXXX : Account Number -- -> xxxxx -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX : -- -- -> XXXX -- -- -> Date Opened : XX/XX/XXXX Fraudulent Inquries : XXXX XXXX/XXXX  : Inquiry Date : XX/XX/XXXXXXXX XXXX   Dba XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : iInquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XX/XX/XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXi : Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry Date :  XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/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 2020-03-26 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: FL

Complaint narrative:
XXXX, XXXX  AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THESE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX : Account Number -- -- > XXXX -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number -- -- -> xxxxxxx -- -- > Date Opened : XX/XX/XXXX XXXX XXXX : Account Number -- -> xxxxx -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX : -- -- -> XXXX -- -- -> Date Opened : XXXX Fraudulent Inquries : XXXX  XXXX/XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX  Dba XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : iInquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: NCB Management Services Inc.
State: UT

Complaint narrative:
NCB Management is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: IL

Complaint narrative:
Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Equifax has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Equifax failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
n a XXXX Credit Report there was a charge off for a XXXX/XXXX. 
In a recent XX/XX/XXXX Credit Report the same XXXX/XXXX  was showing as a collection. 

I am filing a complain against XXXX, XXXX and Equifax for improper reporting of this charge off on my XXXX Credit report. 

This XXXX/XXXX  collection needs to be deleted as it was shown as a charge off on my XX/XX/XXXX credit report and four years  later somehow it is reporting differently. 

I have attached both credit reports for you to compare. 

This needs to be deleted off of my credit report. 
Thank you, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: FL

Complaint narrative:
n a XX/XX/XXXX Credit Report there was a charge off for a XXXX/XXXX. 
In a recent XXXX Credit Report the same XXXX/XXXX  was showing as a collection. 

I am filing a complain against XXXX, Experian and XXXX  for improper reporting of this charge off on my XX/XX/XXXX Credit report. 

This XXXX/XXXX  collection needs to be deleted as it was shown as a charge off on my XX/XX/XXXX credit report and four years  later somehow it is reporting differently. 

I have attached both credit reports for you to compare. 

This needs to be deleted off of my credit report. 
Thank you, 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 explanation
Consumer complaint received 2020-03-26 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 looked over my credit report recently and I saw some accounts that are being reported on my credit file but are false. These accounts are derogatory and do not belong to me. I also have no knowledge of who would have access to my credit file. Due to these accounts, I now have no chance of acquiring new credit. I am pleading for a reinvestigation into this matter and to have these derogatory accounts removed 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 explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cypress Financial Recoveries, L.L.C., OCALA, FL Branch
State: AL

Complaint narrative:
I made a debt settlement with Cypress Finical Recoveries with our layer XXXX XXXX in XXXX al for XXXX for so many months. They kept switching lawyers on us while we were making payments. 
The Debt settlement was made in full. 

XXXX county Al circuit court case XXXX. 

Now they are trying to do a garnishment of my check. Debt was paid in full Plus more.

Company response to consumer: Closed with explanation