vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: CT

Complaint narrative:
Our lender Guarenteed Rate Affinity out of XXXX CT. They have been dishonest and deceitful during our home process. We were originally Supposed to close on XX/XX/XXXX and had to file an extension. Our lender communicated with our settlement attorney that they wanted to close within the first week of XXXX. It is now XX/XX/XXXX and we have been promised a clear to close at least 6 to 7 times by now. They keep promising us that were going to close but all we ever hear is that theres more issues and they want more things from us. The main issue was with my fiancs maternity leave pay. The underwriter is taking way to long and scrutinizing everything. I feel things have been disorganized. They have not given us a new closing date ever since the first one was missed. At this point we feel were forced to go through with everything because we risk losing our deposit {$5000.00}. We have expressed two very important dates since the beginning as we live in XXXX. And the house were trying to buy is in XXXX. My son technically start school this week but we have yet to know when we will get our house. Our lender keeps telling us that they have everything they need to then come back and tell us that they need more that the underwriter is scrutinizing everything. I do not feel we are being treated fairly. And when we ask for updates they are not getting back in a timely fashion and I feel that our time does not matter at this point to them. We are trying to apply for the XXXX  program which we were told we met and even paid off a good amount of debt to make sure we qualify to then be told that we may not qualify possibly. We are being given too much mixed information. This is caused our family stress, medical issues with myself, and we have missed work. We just want answers and help. Not sure where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment reported for XXXX and XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Rocket Mortgage checked my credit when I was not even applying for a home loan with this company. I have requested it be removed from my credit bureaus but they refused. I see online complaint about this from others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed my credit card. When I called, the supervisor stated a letter was sent, which o still did not receive. He suggested to look at credit report. 
I looked at XXXX. 
Chase close my card based on how I paid XXXX. My question? Did Chase not issue me a credit card after these incidents? 
XXXX XXXX is reporting information from XXXX that appears as open accounts. I disputed one of the credit lines and the bank and I disagree. I paid XXXX credit cards for both XXXX XXXX and XXXX. 
The second credit line is perplexing. 
Perhaps a different person 's. Explored with Chase and could this belong to me with another last name? 
XXXX continues to report these credit lines XXXX. The credit line was opened in XXXX and closed. Do not have date. 
However what happened to the 7 year rule for things to drop off? 

XXXX is the only bank that does not work with someone if a problem arises. At least, they ate my XXXX out. I can not buy a small condo! 
And my only credit card with a credit line of XXXX paid perfectly for 2 years just shut by Chase because they don't like how I pay wells..in XXXX! 
Why not look from the present and go back before you close a card.. look at dates.. 
I disputed those issues with XXXX and next it will have to be an attorney. I am XXXX and my former husband is responsible for this mess. But, he can work!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on multiple occasions I've tried to access my Equifax credit report online via the my.equifax.com only to not see any information, I'm directed to call customer service, I do so then I'm put through a series of questions to verify myself, I do so, I'm told some information is incorrect, I explain to them the issues with the information they have incorrect is my date of birth, they want me to send more identification such as my social security card and drivers license, I'm currently aware of their data breaches in the past so I'm not comfortable with this process where as I've sent this information along with my dispute letters recently as XX/XX/2021, This issue has been noticed since XX/XX/2021 and I've tried a total of 4 phone attempts to rectify this issue only to have copies of my credit report to be sent to my home. on one occasion I somehow got the verification questions good enough to gain access and be told I would be able to see online credit reports on my.equifax.com only to be disappointed still to this day XX/XX/2021 I can not access my online profile I can't see my Equifax scores on XXXX, XXXX XXXX, my.equifax.com, XXXX XXXX monitoring app, or XXXX after I've disputed items reported on my credit report I start having issues accessing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: CO

Complaint narrative:
XXXX XXXX XXXX has reported inaccurate information on my account ( again ). It is indisputable that the information they furnished is incorrect, because even right now as you are reading this I am still less than 30 days past my XX/XX/XXXX due date. 

As you know, under CDIA 's reporting guidelines data furnishers are not allowed to report late payments to credit bureaus until a customer is at least a FULL 30 days past their due date, and it is illegal for them to knowingly report inaccurate information. I am a very reasonable person and I would understand if this was simply a mistake, but it is impossible for it to have been a mistake since the Metro 2 format does not have an option to report late payments that are only 1-29 days past due. So that means that XXXX XXXX XXXX blatantly and willfully ignored the CDIA 's credit reporting guidelines, which violates the Fair Credit Reporting Act, and NCUA 's UDAAP regulations. XXXX XXXX XXXX  wanton disregard for fair and ethical business practices is deeply concerning, this willful misconduct has caused me significant financial injury. Prior to their first erroneous report in XXXX my credit score was XXXX and I had a flawless history, but due to their incorrect report I no longer qualified to refinance my mortgage. That prevented me from being able to lower my APR, eliminate my PMI, and shorten my loan term, which cost me tens of thousands of dollars. 

Obviously this current error is conclusive evidence that XXXX XXXX XXXX willfully violated the Fair Credit Reporting Act and UDAAP regulations, so I plan to request e-OSCAR and report them to : the Federal Trade Commission, the National Credit Union Administration, the Consumer Financial Protection Bureau, the Colorado Attorney General, the Division of Financial Services, and every public business review site. However, my number one my priority is having my credit repaired to the pre-error status, so I will give XXXX XXXX XXXX until XX/XX/2021 to settle this amicably by removing both erroneous late payment reports from all credit bureaus and permanently writing-off the remaining loan balance ( for the financial loss I Incurred ), otherwise on XX/XX/XXXX I will proceed with filing reports to the aforementioned regulatory agencies and possibly file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: PA

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the unknown inquiries reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXXDate of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XXXX XXXX 2020 XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 2020

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 2021-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
A week ago or so I received an email from a debt collection office saying that they were contacted by Speedy Cash for an unpaid loan. I do have an unpaid load through Speedy cash so I thought it was legit. The attorney, XXXX XXXX, told me I just make payment arrangements or I'll be taken to court. I wanted to to settle this I told him that I would make the {$100.00} down payment but I didn't when he wanted me to send it through XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have been paying on a debt that i thought was XXXX XXXX  only. when i questioned the debt collector company they told me the debt is for discover and an auto loan. I've never purchased a car nor have I ever signed or given authorization for my name to be used to purchase a car. In between XXXX & XXXX my purse was stolen with all my identification & credit cards. I made a police report back then police say that report is not in their computer system. I went to the DMV for them to print up any Titles that were ever issued in my name. They told me I have to give the vehicle vend number of the car that I never purchased and the only Title they show in their system for me is what I'm driving now which is a XXXX XXXX with almost XXXX XXXX miles on it and it was a gift to me. Please help this old lady fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX is reporting late payments to credit bureaus for my social security number. my account ( XXXX ) is set as auto pay, but payment did not process on time for unknown reason. at last with the help of XXXX XXXX advisor, same information was re entered. and payment was made. 
Wait is extremely long for calls and messaging. I am not even able to submit complaint to XXXX XXXX ( copy attached ) I did try to call prior to XX/XX/ to resolve the issue, but could not hold phone line for hours. my late fee was removed. and I was assured by XXXX XXXX advisor that account will show timely payments. but today I received a notice from credit monitoring service that late payments are reported by XXXX XXXX. I think its very unfair.

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 2021-08-23 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: CA

Complaint narrative:
During the month of XXXX, I contact all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listed on my credit report and it should b removed as ordered it is not my responsibility by the judge in my divorce judgment.

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 2021-08-23 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: CA

Complaint narrative:
During the month of XXXX, I contact all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listed on my credit report and it should b removed as ordered it is not my responsibility by the judge in my divorce judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
Complete Credit Solutions who was previously notified the supposed debt is NOT mine.I demanded they validate this debt and provide the original contract with my signature on it which they have failed to do.

Where is the original contract with my signature on it? I have stated multiple times this debt is not mine. They claim this supposed debt is over 8 years old ( well beyond the statue of limitations ) without providing any ORIGINAL SIGNED AND DATED CONTRACT yet they have it on my credit as a debt from XXXX. They claim " Our records indicate the agreement between XXXX XXXX/XXXX XXXX and XXXX XXXX was executed on XX/XX/XXXX. The last payment date was XX/XX/XXXX, and the last payment amount was {$18.00}. The first delinquency was on XX/XX/XXXX and the charge off date was XX/XX/XXXX. '' So the last payment date and first delinquency are almost a year apart? Where is the documented contract with my signature on it? 

Throwing out some random account number and dates does NOT prove this account is mine as anyone can make this up, still NO ORIGINAL SIGNED AND DATED CONTRACT PROVIDED! Also, I was not living in the US in XXXX and XXXX which is another reason I know this debt is NOT mine. I lived overseas during that 2 year period so there were no new accounts opened at all. 

This has been an ongoing issue for years of multiple collection agencies selling it to another agency and then the new agency will try to add it to my credit report as a " new debt ''. I have never had a XXXX XXXX 's card and do not ever get store cards. 

Again, They don't have a single original contract from XXXX XXXX with my signature on it or anything of the sort as I never had it. Years of seeing this constantly pop up with random letters from various collection agencies trying to collect on a debt that can not be verified as it is NOT mine and has passed the statue of limitations.

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 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because Diaz And Associates is aware that the account was is set to fall off in 7 years XXXX XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore Diaz and Associates should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and Dias and Associates has been notified and have made no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/2021 - Submitted merchant dispute with my credit card company XXXX against vendor for charging me for the products that never arrived ( total amount = {$730.00} USD ). 
XX/XX/2021 - Credit for the purchase amount of {$730.00} USD was initially issued by Barclay, but then recharged by Barclay claiming lack of evidence of the product ( s ) purchased. 
XX/XX/2021 - Provide evidence of items purchased and chronolgically listed email communications between myself and the vendor, as well as record of all phone call attempts I made to the vendor. Per Barclay policy, submitted this evidence ( 19 page document ) visa fax to attn : Merchant Dispute and referenced the Case ID. 
XX/XX/XXXX-XX/XX/2021 - Called Barclay 's Merchant Dispute department on XX/XX/XXXX, XXXX, and XXXX to confirm receipt of supporting evidence/documentation fax and to get an update on my case. Each time I called the agents could not provide an update/status. 
XX/XX/2021 - Called Barclay 's Merchant Dipute department again as I've received no word or status. Per the representative, my request to reopen and investigate and be issued the {$730.00} USD credit was denied again for lack of evidence. Agent confirmed receipt of the documentation I submitted and verified all requested/necessary information was in fact included and was not sure why my dispute was closed again. I tried to escalate to a manager/senior level person to no avail. I'm out {$730.00} USD and have tried every avenue to escalate and get my money back but Barclay 's has made it impossible.

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 2021-08-23 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: CITIBANK, N.A.
State: MT

Complaint narrative:
XXXX  HAS FAILED TO REMOVE FRAUDULENT INQUIRIES ON MY CREDIT. XXXX  AND XXXX  HAS FIXED THE ISSUE, WHAT IS TAKING XXXX  SO LONG? IT HAS BEEN OVER 60 DAYS AND NO RESOLUTION FROM XXXX. I HAVE NOT EVEN RECIEVED ANYTHING IN THE MAIL. I AM REQUESTING ANOTHER INVESTIGATION AS I HAVE NOT RECIEVED ANYTHING BY MAIL AND THE FRAUDULENT INQUIRIES ARE STILL REPORTING. I HAVE ATTACHED MY IDENTIFICATION AND ID THEFT AFFADAVIT PACKET.

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