vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I fell behind on payments due to severe XXXX. Caliber Home Loans ( XXXX ) would call during my work hours despite my requests to call outside of my work hours since I could not take any calls during my work hours. 6 months later I lost my job without cause but is believed to be due to an injury. CHL and I got in contact and I submitted a Mortgage Assistance Application as instructed. XX/XX/XXXX CHL offered a 2 month forbearance plan of reduced payments to be accepted in writing or by submitting 1st payment by XX/XX/XXXX. At this time I did not qualify for a loan modification. XX/XX/XXXX I emailed the department who was overseeing my case with CHL to inform of my acceptance of the forbearance plan. 1st payment not due until XX/XX/XXXX however I sent on XX/XX/XXXX, and received XX/XX/XXXX. 1st check was not deposited until XX/XX/XXXX. Per the forbearance agreement written by CHL, acceptance of the agreement would cease forward movement of the foreclosure. XX/XX/XXXX CHL went ahead and moved forward with the foreclosure and filed on public record with my county, despite receiving notification twice of acceptance, before the deadline, and they had also cashed my check but applied it to the normal payments rather than the forbearance plan. I was not informed of this by CHL but rather getting bombarded with phone calls, texts, and emails from investors and real estate agents. Notification was not sent to me until weeks later. Postmarked for XX/XX/XXXX, but not received until the first week of XXXX. Additionally, my XXXX case was reassigned as a XXXX claim on XX/XX/XXXX. As a result my income dramatically increased. My email to CHL on XX/XX/XXXX included notification of the increase. Phone call to CHL rep on XX/XX/XXXX states that they never received my email. CHL stated that I did not qualify for a loan modification due to not enough income at that time. In my email I requested to revise the loss mitigation from forbearance to loan modification since my income had increased. I have reapplied for a loan modification and have yet to hear back from CHL. Along with a new application I also requested an explanation as to why CHL proceeded with the foreclosure violating the contract that they created, ahead of the deadline, and cashed my check for the first payment of the forbearance plan. By filing with my county, CHL has dramatically reduced my options to stay in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
Account was paid in full on XX/XX/2022 of XXXX. As a result the company agreed to remove any negative comments from credit when reporting. Additionally, the account was closed and late payments were still reported. There is also a balance still showing on XXXX. It has been removed from the other 2 credit reporting agencies such as XXXX and XXXX. This affirm account should also be removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: LA

Complaint narrative:
There is incorrect personal information on my credit reports.

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 2023-01-11 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: People Trust
State: AR

Complaint narrative:
on XX/XX/2021, I took out a {$1500.00} loan with People Trust Loan Fund. This was my fifth personal loan, with the other loans being paid off on time. Taking out these loans was helping to boost my XXXX XXXX. I was making payments on time, but many things transpired. I then injured myself on my job and became homeless. I could not afford the repayments. Although I was receiving workers compensation, it was not much. I then started getting notices from the credit bureaus about derogatory remarks. This has made my XXXX XXXX drop drastically. I was having a hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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: VA

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate Date of First Delinquency to two major Consumer Reporting Agencies XXXX Equifax & XXXX ). 

For Equifax : The Date of First Delinquency is XXXX XXXX and the Original creditor is not listed. 

For XXXX : the report says the account will be On Record Until : XX/XX/XXXX which would make the Date of First Delinquency XX/XX/XXXX, that is a three month difference from the date Equifax is reporting. 

This type of inconsistency causes accounts to re-age and affects my credit.Any deviation from the standards outlined by FCRA Compliance jeopardizes the integrity of the data. FCRA 623 ( a ) ( 5 ) ( A ) states " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report and should be the first XXXX delinquency that led to the status being reported. This date should be 30 days after the Due Date with the Original creditor. If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA Section 623 ( a ) ( 1 ) ( C ) the Furnisher has the responsibility to prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers. This account should be deleted from all three Consumer Reporting Agencies to preserve the integrity of my credit Portfolio and accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: AR

Complaint narrative:
on XX/XX/2021, I took out a {$1500.00} loan with XXXX XXXX XXXX XXXX. This was my fifth personal loan, with the other loans being paid off on time. Taking out these loans was helping to boost my credit score. I was making payments on time, but many things transpired. I then injured myself on my job and became homeless. I could not afford the repayments. Although I was receiving workers compensation, it was not much. I then started getting notices from the credit bureaus about derogatory remarks. This has made my credit score drop drastically. I was having a hardship.

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 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There is incorrect personal information on my credit reports.

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 2023-01-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
There is incorrect personal information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Self Financial Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, SelfXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Fleet Financial, Inc.
State: CO

Complaint narrative:
During a transition of losing my father last year XXXX, XXXX XXXX from iLending responded to my XXXX XXXX  initiated inquiry XX/XX/XXXX. This was about refinancing my XXXX XXXX for a lower rate and a large enough return ( extra money left from paying the original financial company off ) to help me get into a place before my current lease was up due to me being laid off my job. 

XX/XX/XXXX is when XXXX told me that with my paperwork he could get me a rebate of {$200.00} for the XXXX insurance and {$1100.00} for the power train warranty I was cancelling. The warranty he said the new loan company offered covered more for less. 

Most of the incidents of what he was offering was over the phone and supposedly recorded. He took advantage of me and lied to me about the rebate about the warranty. He told me it was essentially on me to retrieve this rebate which I was not told to me until everything was finalized. 

I expressed over and over how skeptical I was due to my hard work I put into my credit to get it up to something companies will work with and all the hard inquiries would hurt my score. And it did. 

I was not told any information about this supposed full coverage warranty, I was not able to get my rebate from XXXX XXXX XXXX, whom originally lied to me about my windshield being replaced and never actually setting the appointment and giving me a horrible percentage rate and a newer car with the same problems as the car I traded them. 

XXXX knew all of it : My dad XXXX, unstable housing, laid off job, really unprofessional car dealership, and my expectations of what needed to happen to meet what we discussed I needed in order to finalize the paperwork. 

I was lied to, his supervisor knew about this and didn't return the calls.. I am very disappointed due to the fact I worked so hard to get my credit score up and that the Truth in Lending was violated in order to get his commission I was the XXXX responsible to do all the work for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
I have unfortunately been a victim of identity theft and on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX My XXXX unemployment debit card which is issued by Central Trust Bank was compromised. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I filed a dispute with XXXX cardholder services. I also filed a police report on XX/XX/XXXX and I've filed a report with the Federal Trade Commission on XX/XX/XXXX. I've submitted all of the above including XXXX XXXX XXXX XXXX the police report and the FTC report as evidence along with the transaction dispute form provided by cardholder services. 
I've yet to be credited for any of the transactions that took place with my account starting on XX/XX/XXXX at XXXXXXXX XXXX with an electronic ( ACH ) funds transfer from card to bank account {$5000.00} personal savings ACH withdrawal. A total {$13000.00} had been taken in total. 
XX/XX/XXXX I was informed by an account specialist with XXXX cardholder services my account has been pre-determined from here on that that no error will be found to have occured what information I send them i this dispute has been investigated multiple times I don't see how these people aren't investigating and working with the other financial institution to where the ACH transfers were sent to it has the names of the individuals and the accounts where they sent my money to right there in the bank statements. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've asked for documents as to how they have concluded the investigation and all they send me is a bank statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 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: WI

Complaint narrative:
I submitted a dispute of my credit report to Transunion as multiple accounts listed have incorrect information. The issue I identified which is the source of the inaccuracies on my credit report is due a debt amortization plan that was filed, approved, and completed through the XXXX XXXX XXXX XXXX. Unique to XXXX this debt amortization plan is known as a XXXX XXXX to clarify this plan is not the same as bankruptcy and should not be considered bankruptcy. Instead, my debts were consolidated into equal payments that are made over 3 years. The XXXX XXXX court process required biweekly automatic payroll deductions that were sent to a court appointed trustee that was responsible for making the payments on my behalf. I was proud of myself when I completed the XXXX XXXX  and successfully paid back close to {$20000.00} through the 3-year payment plan. I received the official court order which was electronically signed by XXXX XXXX XXXX XXXX which attests that the accounts listed in the plan were paid off in full. 

I went ahead and filed the dispute with Transunion and included the following information to support and verify my complaints merit : -A summary of my complaint -Information regarding the State of Wisconsin XXXX XXXX -Court records : the final statement of accounts ( this document listed the total amount of debt paid to each account ; ) the order of dismissal signed by the judge ( which clearly states that all debts included in the plan were paid in full, dated XX/XX/2020. ) Unfortunately, it appears that upon completion of their investigation into my complaint Transunion overlooked all the information I provided as no corrections were made to the accounts of the 4 creditors and in at least one example, the information on my report was changed to something worse.

The companies reporting blatantly false information that I requested Transunion to investigate and correct are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am beyond frustrated that all the hard work I put into correcting my poor financial choices did not matter to Transunion or the creditors. Transunion continues to allow false reports which state each of these accounts are derogatory, falsely state that I continue to owe them XXXX  of dollars, and in at least 1 account indicates that they " charged off '' my debt despite each creditor actually being paid back! 

Please help. My credit score tanked even more as a result of the investigation which is was not the outcome I was hoping 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 non-monetary relief
Consumer complaint received 2023-01-11 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Self Financial Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Kikoff Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I initiated a CashApp transaction XX/XX/XXXX of {$40.00}. This was debited from my bank account balance the same day. 

An XXXX hold transaction for {$40.00} was initiated by CashApp XX/XX/XXXX. 

The funds were sequestered and were paid to CashApp. 

I reported the incident to my banking institution. They investigated and found the transaction on XX/XX/XXXX was not authorized. They credited my account for the {$40.00}. I moved the funds to my CashApp card for holding. 

I made an XXXX purchase with my CashApp card for {$10.00}. My balance left was {$29.00}. 

The funds were removed arbitrarily and have no transaction data to show where it went. 

I reported to CashApp both telephonically and via the app. 

The telephone customer service advocate hung up on me abruptly during responding to my call, the in-app XXXX arbitrarily stated that the card transaction was declined and the XXXX debit was initiated and ended the transmission, a second in-app XXXX mirrored the same as the first XXXX 

I explained I was holding the {$40.00} that was recovered successfully by my banking institution on CashApp and it was now gone. I attempted to report fraud to CashApp for this. My reports were rejected and conversations disconnected and/or ended without the financial institution initiating a claim or assistance with filing a claim to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: IL

Complaint narrative:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: OR

Complaint narrative:
I received a letter in the mail stating that I would be getting a back payment on XX/XX/XXXX for XXXX which did post to my account on XX/XX/XXXX but then all the funds were gone soon after someone had my information or account number so I never actually received any of the money it got deposited then disappeared after when I called Direct Express I was told to cancel my card and fill out dispute forms which I did and then sent back to them yet the bank is claiming their not responsible and I would have to call XXXX office I did got the Run around from them then told to call direct express still got nowhere and I never received any response to the fraudulent charges or how the matter would be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. I noticed false information placed on my credit report. I am a visit to identity theft. and all my data has been sold to the XXXX XXXX  since XXXX. XXXX also has my knowledge on the XXXX XXXX which has destroyed my life to XXXX XXXX thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please help because the name even my XXXX  is incorrect. i am not XXXX  I am XXXX XXXX

Company response to consumer: Closed with non-monetary relief