vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After the investigation, on XX/XX/2022 i was told the two accounts mentioned are not listed on the credit report and all other accounts have been verified. This was false, I listed all accounts with inaccuracies being reported. Refer to the documents attached which shows proof of my complaint. I have not been given a fair and accurate investigation.

This includes the date last active, the open date, two year payment history, last payment date, and the date last reported. I feel like my rights was violated and i didn't receive a fair investigation. This has cause me so much hardship and stress.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.

Please refer to accounts listed on the documents provided.

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 2022-07-16 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: TX

Complaint narrative:
I am in an active forbearance now due to the fact I was sold a house that doesn't meet VA loans approval at all in the last 2 months XXXX XXXX has added XXXX and XXXX to my principle balance lowering my credit score by XXXX points under the cares act it not supposed to negatively affect me at all this needs to be rectified immediately!! they are giving me the run around and blaming everyone else other than them making the mistake i only owe XXXX not XXXX i bought the house for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Pre-approved live check came in the mail XX/XX/2022 from Tower Loan-System. A soft inquiry was done for pre-approved live check before sent to me. 2 hard inquiries were later done in XX/XX/2022 and XX/XX/2022 placing them 32 days apart. I was not notified nor did I agree to these inquiries nor did I apply for a new line of credit. The creditor is using hard inquiries to bully me into paying the debt. The inquiries have had adverse action on my credit. I lost my eligibility for a rental application ( housing ) due to this. I am head of household with XXXX infants under 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2022, I used my Citi Costco Credit card to purchase 4 airline tickets to XXXX for a family vacation for {$4900.00} from online website XXXX. Immediately I got a fraud alert text asking if I made the transaction. Text 1 for yes, text 2 for no. I texted 1 for yes. Then i received another text saying transaction was denied and to call Citi. I called Citi and told them it was a valid charge but was told that once declined, I would have to rebook my tickets. The charges will not go through. Customer service told me they will let a one time large purchase go through and advised me to rebook. So I rebooked my tickets a second time with online website XXXX  for {$4100.00}. The difference was the Covid insurance I decided not to purchase. The two online websites were of the same company as I found out later. I received confirmation email from both websites ( for 8 tickets ) the NEXT DAY. I immediately called Citi and told them what happened. Customer service advised me that the first declined charges were resubmitted 5 times after the original refusal by Citi. I also called XXXX  to ask them how the charges were able to go through. I didnt get very far with the XXXX  customer service. He told me if I want to cancel the tickets Id have to pay {$580.00}. Then I called Citi Customer service whom suggested i open a dispute. So I opened a dispute. This has gone back and forth since then. First on XXXX Citi found that I was responsible for the entire amount they sent me a huge packet of paper asking me to explain whether merchants cancellation policy was explained to me at time of booking and to provide documentation etc. I called Citi many many time to say it was online booking and I only received my confirmation email from XXXX This dispute have gone back and forth since. Originally this was labeled as cancellation in the dispute but then changed to duplicate order. Citi bank settled with the merchant. I am to pay {$2200.00}. I have called at least 6-7 times and each time with a different person. The last senior account manager, XXXX, told me theres nothing Citi can do for me. It is between the merchant and I. He agreed that this was fraud on part of XXXX  but said Citi did everything correctly. He offered me {$170.00} to settle everything. I am exhausted at this point they have wore me down and i agreed. Except I get an email later saying dispute is resolved and {$74.00} is credited to my account. I am beyond believe and angry and would like you to help me get ALL my money back. Citi has not done its job in protecting me and tried to cover their mistakes. I did exactly what Citi asked me to do rebooking and I am stuck with {$2200.00}.

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 2022-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
After a merger with First Midwest, I have been unable to access my bank accounts online for a week. I have tried three separate times to contact client care, have waited a total of 8 hours on hold, and have never gotten through. I never received a new debit card or an email prior to the merger about a different login process and had no warning that my debit card ( which i just received this month from the previous banking company, first Midwest ) and am not reading on the website that I can not use my old debit card and I have no new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
This amount is not owed as I could not be evicted for non payment of rent during the CDC State of Texas oder rent relief program due to Covid 19 I also don't have a contract with R S Clark I have asked for verification of debt which has not been provided by RS Clark and all methods used to verify this debt by RS Clark as this being accurate before they placed this on my credit report ... my last four of ss # is XXXX XXXX XXXX XXXX COMPANY IS RS CLARK And ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: Freedom Mortgage Company
State: TX

Complaint narrative:
I am in an active forbearance now due to the fact I was sold a house that doesn't meet VA loans approval at all in the last 2 months freedom mortgage has added XXXX and XXXX to my principle balance lowering my credit score by XXXX points under the cares act it not supposed to negatively affect me at all this needs to be rectified immediately!! they are giving me the run around and blaming everyone else other than them making the mistake i only owe XXXX not XXXX i bought the house for 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 2022-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wallet was stolen and an individual named XXXX XXXX tried to buy a car using my information as well as his. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ran my credit through five different banks trying to get a loan for this individual without my consent or me being there on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My wallet was stolen and an individual named XXXX XXXX tried to buy a car using my information as well as his. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ran my credit through XXXX different banks trying to get a loan for this individual without my consent or me being there on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: VA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.

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 2022-07-16 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: VA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed addresses on experian and it came back as veified. that's not true the information at XXXX south XXXX XXXX is incorrect.

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 2022-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
On XX/XX/2022 I notified CFPB of a forebearance I was given by Mr cooper mortgage company. CFPB OPENED AN investigation and mr cooper responded with an approval of my forebearance with correspondence letters being sent to CFPB dated XXXX XXXX showing I was approved for forebearance through XXXX XXXX, and removed negative items from credit report after sending me a letter stating they didnt put it there. which can be found on the CFPB website. Also the letter stated no delinquency will be reported to credit reporting agencies. However, Mr cooper has not honored the agreement they have sent you or I. The first XXXX months I was in forebearance I continued to make payments even though I didnt have to. ( XXXX XXXX XXXX  ) I never missed a payment. This is the second forebearance they have granted me and my second complaint with CFPB. ( XXXX ). The reason for my complaint is the same as the first time. They have reported to credit reporting agencies and my score has dropped over XXXX points leaving me unable to refi my first and second mortgage which was one of the reasons I needed the forebearance in addition to the hardship. My score has gone from a strong XXXX from me working so hard to get it there to XXXX. Ive called them repeatedly to rectify this and each time Ive gotten different people stating Im in a forebearance and others stating Im not. Some telling me they are sorry Im not in a forebearance because the loan matured. Well, for XXXX months Ive been told and have been thinking I was in forebearance until XX/XX/2022 because this was what I was told. CFPB was sent correspondence stating Im in forebearance and so was I. Never was I sent a letter stating I wasnt. This is unacceptable. All the company can tell me is I owe XXXX. My most recent call was Thursday and the young lady told me there was a glitch in the system but her and her supervisor was working to fix it so that the correct information would be sent to credit reporting agency. And it should be taken care of in XXXX days. Then Friday I spoke with another lady who stated very unconcerned shes sorry but there is no forebearance and none could be done. Saturday spoke with XXXX who took the time to read all notes listen to my grievances and stated he would send to escalation who I know cant help me with this. Now my credit is ruined. I cant get a loan. Time is running out! I cant get a parent loan for my XXXX  who is in college that Ive gotten for the last XXXX years because that was denied because of this too. And all they can tell me is they are sorry. My first mortgage is XXXX. It is current and I pay on time! I will not allow mr cooper to steal my home over XXXX. Because I feel this is their agenda.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I request for the items listed in this report to be removed as soon as possible.

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 2022-07-16 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: VA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.

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 2022-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Well I wasn't there on closing... But my wife closed the account ..Never explained any details.. 3months.she filled divorce .. took control of the house.. got a protection order to keep me away.. idk if extra money was loaned or not.. bank accounts was emptied and closed.. I have no assets... She controlled everything.. I was out out wit nothing. Help..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: TX

Complaint narrative:
The most important thing is US Department of Education failed to notify me of the negative Item being placed on my credit report 5 days prior.

Equifax is showing the following two accounts as open when indeed they are closed. I've sent in multiple disputes regarding inaccurate information being reported but all I'm getting in return is an automatic " VERIFIED AS ACCURATE '' without doing an independent investigation. We are not past the time to correct the issue... You are not reporting in compliance with the FCRA guideline and rules and regulations.. Please, Remove this account from my credit report at once for inaccurate information and Negligence. U.S. DEPARTMENT OF EDUCATION account number XXXX U.S. DEPARTMENT OF EDUCATION account number XXXX 

Please mail me an updated credit report reflecting the changes. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
About two years ago I was receiving unemployment benefits ( I live in NJ ), and I was being paid via Bank of Americas CashPay program. 

I had to make a dispute because my card had several purchases I did not make. The lady told me they would investigate and reimburse me based on their decision. A few days later I was reimbursed. A few weeks later my account was frozen and the balance was changed to around negative {$3000.00}. Also, I could no longer claim the remaining 10 months of Unemployment Benefits which would have been over {$10000.00}. 

I tried everything. I called the NJ Unemployment Office everyday, I called Bank of America everyday, but they told me it was the other partys problem to fix. I never received another dollar from NJ Unemployment. Bank of America eventually reversed the Fraud decision and put my balance back at {$0.00} instead of $ XXXX. By this time it was too late, the Covid unemployment benefits were finished and the deadline to claim it had just barely passed. 

I still have not gotten a call or email about it. Obviously, I also never received the {$10000.00} owed to me. 

Hopefully the new ruling will allow me to receive the Unemployment Benefits still owed to me, even after almost 2 years. I do want to say NJ Unemployment did NOTHING to help me. I called everyday for MONTHS. 

If you need anymore information feel free to ask. I really hope you can help!

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