vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXXXXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX 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 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 2022-02-25 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX we refinancied our mortgage with Quicken Loans/Rocket Mortgage after they contacted us about how much we could save per month due to the lowering of interest rates. They projected that we would be saving approximately XXXX XXXXXXXX from our current payment. We decided this savings was worth losing a year on our mortgage and went through with it. In XX/XX/XXXX we were told that there was a {$3000.00} shortage in our escrow account and that our mortgage payment would be increasing XXXX XXXX due to this shortage, bringing us right back to where we began a year ago. Now, we're out the closing costs and the year of payments from doing the streamline mortgage and our payments are right back where they were before we refinanced. The resons I am given for the XXXX shortage are not adding up. There has been no increase in our property taxes or homeowners insurance. I feel that I was presented with this great savings so that I would go through with the refinance and now, a year later, I'm being told that my mortgage payments will return to where they were before I refinanced, something that I had no longer budgeted for or expected with no change to anything that would cause such a signifigant increase. I feel that this is a shady business practice to get customers to refinance and then a year later put them right back where they were after they are now already paying longer on their mortgages, are out closing costs, and are no longer budgeting for this significant increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: NY

Complaint narrative:
National Recovery Agency is contacting me via mail and TEXT ( at XXXX! ) regarding a XXXX XXXX account that was paid off XXXX ago. The previous agency that tried to collect on this account, this was taken off my credit report and I thought I was done with it, but obviously not

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 2022-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I obtained a XXXX  from XXXX XXXX in XXXX to help finance some of the operating costs of a charitable foundation I helped create. Paying off the loan was no problem as the monthly payment was taken directly from the charitable organizations checking account, also with XXXX. sometime around XXXX or XXXX PNC Bank bought XXXX and I thought everything was fine. But in XXXX of XXXX I got a call form PNC telling me that the XXXX was delinquent. So over the phone I authorized the person to make a payment. End of story, so I thought, but the next month I get a call from PNC telling me that the XXXX was in default because it was over XXXX  days past due. Turns out that in the transition between XXXX and PNC my checking account numbers changed and the direct draft payment wasn't paying for the XXXX because of the change of account numbers. Anyway, since XXXX I have had to pay for the monthly balance on my own because PNC won't allow a XXXX in receivership to have automated payments. I have been charged about {$2000.00} in late fees because of this ... .and it was all due to a mistake PNC made, not me. I have to deal with this for over XXXX years and have spent countless hours of my time trying to get PNC to correct this. Please help me, the account is up to date but I'm still getting late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have 2 accounts with profolio recovery for the same balance thats been in dispute for over 7 months with is illegal. Its stating that I opened up a XXXX  XXXX credit card in XXXX which I did not. I currently have a XXXX  XXXX credit card for {$500.00} dollar which is in good standing and also 2 other accounts that also has been in dispute for over 7 months for XXXX XXXX and XXXX XXXX. Im in the process of trying to buy a house and these things are holding me back. Along with my ss # being compromised a few times along with an account being opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing 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 make the charge. 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 from the Federal Trade Commissions Identity Theft affidavit. Please delete the items 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 2022-02-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-02-25 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: DISCOVER BANK
State: NY

Complaint narrative:
In my past credit card statement I found some transactions I did not recognize so I reported those charges as fraudulent to Discover in XX/XX/2021. The disputed amount totaled to {$1000.00}. Discover took 3 months doing nothing and concluded that those charges on my statement are valid. I have not received any goods or services delivered to my home for those amounts charges. No reasons or explanation from Discover why those charges were valid. It is absolutely unacceptable to be responsible for those charges with no goods or services received. Discover advertises " zero liability fraud protection '' but it is all lie and they will ignore their customers. Do yourself a favor and take your business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I retained a real-estate agent to help me finance a home. I decided to buy one that was up for sale. The agent attempted to help me get financed. My credit score was too low. However, the agent insisted there was someone they knew that would get me financed. I explained to the agent that I no longer wanted the home due to my credit score. I was not able to get approved by several banks. Nevertheless, the agent insisted I would be approved by the new year of 2018. Happily, 2018 I was approved. The amount of the home went up approximately {$100000.00}, the interest rate went to a 5.25 % and works on the defects of the home ceased. When I called the realtor to report defects that were to have been repaired etc. I was told, " Well, it's your house now. '' The realtor returned to a vehicle and drove off laughing. I began to cry. 
Nevertheless, I keep my word and paid the mortgage monthly. One month before moving in, after beginning repair of hidden defects, the company began calling stating I was behind on the mortgage when the mortgage was not due until two months later ; they had sold the loan to another company who also stated I was behind on my mortgage. This continues for approx XXXX. I wondered where my money went. So I retained an attorney. Monthly fee was {$1800.00} a month. This attorney told me NOT to pay the mortgage. It lasts 22 months. Now the loan is greater than {$100000.00} behind and the company placed the home in pre-foreclosure. I want to keep my home. I am a XXXX XXXX XXXX, XXXX with 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 2022-02-25 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-25 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I want to remove the XXXX which I am qualified to do because of the value/remaining balance on my loan. 

PNC continues to deny this because they say I have a HUB loan, when all of my paperwork says FHA. They resent what they say the have on file but it appears to be missing signatures. 

I went through an approved forbearance due to temporary unemployment and just before I began repayment I was forced to pay a balloon payment and resign a paper allowing them to increase my agreed FHA interest rate. I signed the paper under destress because I thought they could just take my house. I researched later and now know that was not the case. I feel a victim of fraud. 

I have attached all of the paperwork sent to me by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
It is undisputed that I cancelled service with XXXX and XXXX in XX/XX/2021. XXXX was still attempting to charge me for service in XX/XX/2021. I called in XX/XX/2021 and confirmed that all cancellations were on file and they issued credits to my account to resolve the balance that never should have been issued in the first place. 

But they continued to seek payment for the same thing after all of those credits were issued. Then they referred the matter to Credence for collection. Credence has been slow to respond and has not removed the negative action from my credit report despite their receipt of documentation showing all of the credits and to support that nothing is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am. 

I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX Case Number : XXXX This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer 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