vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: IA

Complaint narrative:
Equifax closes a previous case and does not investigate, their INCLUDED WITH QUOTES. 

ASKING XXXX  IF EVERYTHING IS CORRECT IS WILLINGLY HURTING ME. THIS HAS BEEN GOING ON FOR 6 YEARS, AND YOUR RESPONSE IS TO SAY YOU WILL INVESTIGATE? YOU HAVE INVESTIGATED OVER 20 TIMES AND HAVE MORE THAN HALF OF THE MONTHLY REPORTING AS INCORRECT. YOU HAVE BEEN REPORTING SOMEONE ELSE 'S ACCOUNT ON MY CREDIT REPORT FOR 6 YEARS AND YOU DO NOTHING ABOUT IT. I WILL TURN A XXXX LAWSUIT INTO MILLIONS. YOU DO NOT GET TO RUIN SOMEONE'S LIFE FOR 6 YEARS AND COUNTING AND REFUSE TO DO ANYTHING ABOUT IT. 

YOU ALSO KEEP ADDING A CALIFORNIA ADDRESS ON TO MY CREDIT REPORT THAT HAS BEEN DISPUTED OVER 5 TIMES AND YOU REMOVE IT AND ADD BACK A FEW DAYS OR A FEW WEEKS LATER. YOU SHOULD BE SUED FOR XXXX XXXX FOR RUINING LIVES. 


" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I do have mortgage with Caliber Home Loans for almost 2 years now. My current interest rate is XXXX XXXX. I was on covid 19 forebearance programme with Caliber home loans until XX/XX/2020 and Iam current on my payments, I requested caliber home loans to remove me from from the covid 19 forebearance programme accordingly they removed me in XX/XX/2020, but my report shows me that Iam still in the forebearance plan, I contacted Caliber Home Loans several times to report to the credit buereaus about my current status. Now Iam trying to refinance my house at lower interest rate but becuase my credit shows that Iam still on covid19 forebearance programme I can not refinance my house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I previously filed a CFPB complaint on Nissan In which I requested the following : 1. Copy of contract 2

. debt collector declaration form 3. signed agreement or verifiable proof debtor has a contractual obligation 4. any agreement that bears the signatures of the debtor. These items were spelled out in the documents uploaded. However Nissan responded with only the first 2 pages of the alleged contract and an alleged payment history. The CFPB case was closed without the items requested.

Additionally I am requesting any and all information on any and all insurance policies related to this alleged contract. 

Prior CFPB complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
My Ally car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - Ally reports updated information to XXXX, XXXX  and XXXX  changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how Ally is reporting different late payments to XXXX  and XXXX. Please help me to have all late payments removed from 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 2021-02-03 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I sent in request for a investigation in its been well past 30 days for the hard inquiries thats on my credit report that I did not authorize, and they havent sent me anything stating nothing

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 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I can not pay the balloon payment of {$32000.00} due XXXX. 2021. As of XX/XX/2021 I'm financially struggling due to loss of income .I am qualified for The CARE program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: CORELOGIC INC
State: MI

Complaint narrative:
No response on the 30 day investigation on the hard inquiries reporting on my credit report and its been well past 30 days

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The inquiry on my XXXX Transion account and XXXX they are not mines, I sent multiple letters demanding them to be removed and they are still there

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 2021-02-03 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: IL

Complaint narrative:
On XX/XX/2020 XXXX XXXX  called me and started asking a line of questions in regards to my property and what I think the current market value of my home is worth. 

They did NOT inform me that I was speaking to a licensed loan officer XXXX XXXX  XXXX nor did they imply in any way I was answering questions for any application. 

They were simply asking me questions about my current mortgage and going over my property value and current interest rates, and they told me that they needed to ask me for my personal information for security reasons. 

I absolutely DID NOT, in any way shape or form give them permission to pull my credit. 
I did not ask them the refinance my home. I did not ask them to see if I qualify. 

XXXX XXXX  from XXXX XXXX  pulled my credit without my permission and did not inform me that she was doing so on the call. 

Then I spoke to her associate XXXX XXXX from XXXX  XXXX  right afterwards about the situation and told her what happened and she assured me that they would remove the inquiry. 

She requested that I send them a written request for the inquiry to be removed, and I sent them a letter via email. 

They did not comply and the inquiry remains on my report till this day. I would like this inquiry removed from my report immediately. 


a. Date of Inquiry ( XXXX  ) b. Company name on the inquiry ( XXXX XXXX XXXX XXXX XXXX c. Request to delete the inquiry

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 2021-02-03 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Its been well past 30 days for the investigation and I havent received any information about the hard inquiries reporting on my credit report that I didnt authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am really upset that American Express has denied me over 10 times to get approved for a credit card. I have been approved for a XXXX  XXXX  and XXXX card and have an exceptional payment and utilization history. My credit score is XXXX and yet I am being denied for a credit card. I am really upset that American Express has failed to properly look at my credit profile and see that I am eligible for these cards. My social security number is XXXX and my date of birth is XX/XX/1983.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: WI

Complaint narrative:
My XXXX car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - XXXX reports updated information to XXXX, Experian and XXXX  changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how XXXX is reporting different late payments to XXXX and Experian. Please help me to have all late payments removed from 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 2021-02-03 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have never been late on my XXXX XXXX account ending in XXXX and always kept the balance low. This is insane because I worked hard to keep my account open. My social security number is XXXX and my SSN is 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 2021-02-03 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: WI

Complaint narrative:
My XXXX car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - XXXX reports updated information to XXXX, XXXX  and Equifax changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how XXXX  is reporting different late payments to Equifax and XXXX. Please help me to have all late payments removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Premium Credit Bureau
State: MI

Complaint narrative:
Its been well past 30 days for the investigation and I havent received any information about the hard inquiries reporting on my credit report that I didnt authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Early in XXXX I received a call from Bridgecrest, my auto loan company in regards to the collection of the debt owed on my auto vehicle. I talked to them, explained my situation to them and attempted to find a solution in regards to the debt. It was later that day I received a second call from them. As I have already spoken with them, I knew I could not receive a second call for the day. I explain this to Bridgecrest who also attempted that I was not the first person who stated that. Towards the end of the month I received an other call from Bridgecrest in which I ask what they were going to do since they violated the rules in regards to debt collections. So stated she would research it and get back to me. I never heard back till XX/XX/27 where I was given the same story of we will research it. Then I XXXX I received another call but this time it was to inform me that they have researched the complaint I presented and found that on that day there was system issue which allowed Bridgecrest system to make multiply calls that day to customers even after they have already spoken to Bridgecrest. They wanted to call me to let me know that 1. they did call me twice in one day after making contact. 
2. that this was an issue with there system on that day 3. they have corrected the issue 4. they are sorry 5. Not willing to do anything above and beyond an " I am sorry '' In conclusion, a violation has occured between myself and a debt collector. That violation was been reviewed by the debt collector and have admitted that they did in fact made a second call to me after contact with me once already in that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
Got a notification from XXXX XXXX about a collection added on my credit report. It doesn't belong to me. Spoke with someone at XXXX XXXX stating this person that is using my credit report to open an account under me. They were able to locate the person mailing address. I have never been to XXXX XXXX ever in my life. I've lived in XXXX since XXXX never left. Come to find out 5 people lives in that household between the ages of XXXX - XXXX years old.

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 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
hello, back on XX/XX/XXXX, I ran a credit check on my credit score and realized that a credit agency had placed a collection on my credit for XXXX The following days I called the collection agency, Collection Bureau Hudson Valley , Inc, and inquired on the charge which they stayed it was from a past-due bill from XXXX that was for XXXX  for equipment and XXXX for past due service. I asked the agent to provide me with a bill explaining the charges, to which the agent replied " you would have to call XXXX and request the bill from them ''. I called XXXX and requested the bill which they stated the bill could not be provided to me because it was an old bill and to request from the collection agency because they have a record of it. On XX/XX/XXXX, I went to XXXX and returned the equipment, and requested from them the bill that determined I owed them XXXX. The agent had a difficult time coming to the final calculation but provided me with the XXXX last bill statements that showed a final balance of XXXX as of XX/XX/XXXX. The bill for XX/XX/XXXX, showed XXXX, and the bill for XX/XX/XXXX, showed XXXX. The agent said the equipment was for XXXX which was cleared because I was returning the equipment which brought me back to the XXXX. I asked how did the bill get to XXXX, which she stated she was not sure and believed I got a credit. I left XXXX without a clear understanding of how I still owed XXXX. On XX/XX/XXXX, I received a notification from XXXX XXXX saying my credit went up and that the collection agency had taken out the collection. I called the collection agency for proof of the bill being wiped out, and they stated that it was not wiped out but instead sent back to XXXX. I called XXXX and asked for proof of the bill again, and they stated that I still owe the XXXX which I asked for an explanation of XXXX which I was on phone for about an hour and at the end of the call lady, was not able to explain the XXXX just saying I received a credit for something that she didn't understand the code of. I asked for a bill showing the final XXXX and she said she could not provide me with a bill because the bill is too old. I still have not been able to see a ledger showing that I owe XXXX other than them, XXXX  and Collection Bureau Hudson Valley , Inc, telling me I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
They're not applying the payments correctly and they got a lot of complaints against them for the same problem also they over charging us over 79 days of interest please look into my next step is contacting the XXXX I made money orders for XXXX payment and a extra XXXX for the principal balance and then I made a money order for XXXX and sent a extra XXXX. They saying that they applied all the money to 1 payment now saying that we owe 79 days of interest please look into

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CERTIFIED COLLECTORS, INC.
State: TX

Complaint narrative:
Validation notice dated XX/XX/XXXX does not have whom the debt is owed nor the date of service. 
Notice 2 dated XX/XX/XXXX is threatening to report to the credit reporting agencies. This notice is 30 days from the original validation notice. I did not receive the 1st notice until XX/XX/XXXX due to the holidays and have the letter to mail to this company regarding validation and I received the 2nd notice last week. This can not be right even with the new rules that will be in effect. Thank you for your timely response.

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 2021-02-03 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: WA

Complaint narrative:
Good day, After recently pulling my credit I noticed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as an address on my credit report, this address is fraudulent and inaccurate I have never lived at this address. I am requesting this address be removed immediately.

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 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
As a federally protected consumer I entered into a consumer credit transaction with XXXX XXXX XXXX XXXX only. The Law Office of Brett. M. Borland P.C. falsely claims to be authorized to collect this alleged debt and I assume is working on behalf of XXXX XXXX XXXX XXXX. This law office having details of my private transaction as a federally protected consumer is a violation of my right to privacy. Additionally, they have violated several federal laws which are outlined in my attached Affidavit of Truth and Exhibits below.

Company response to consumer: Closed with explanation