vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
years ago my identification was stolen and this student loan was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-29 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had excellent payment history with Comenity Bank : XXXX ( XXXX XXXX ) Account XXXX for years, until I got sick XXXX XXXX and wasn't able to make a payment on time. 

My husband called the compnay on my behalf and reached an agreement with them on a recorded line, where he put in a promise to pay at a later date and they agreed to record that promise to pay in the account and not issue any late fees or negative reporting to the credit bureau. 

I did call and not only did I pay the amount due, but the entire remaining balance, however negative reporting went into my credit report despite the recorded agreement in place. 

I tried disputing with them directly and received a letter simply denying. They never even went through the trouble of looking up my account. I then submitted a separate dispute through XXXX and still nothing was resolved. They refuse to hold their end of the agreement even though I held mine. 

They should be held accountable for any notifications and promises they make in exchange of payment to customers over the phone on recorded lines. Is simply insulting to dismiss any arrangement or out of our control circumstances like XXXX. 

I would like the negative reporting to the credit bureau to be removed completely from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XX/XX/2022 we received notice from XXXX XXXX  that out mortgage was being transferred to Mr Cooper. We contacted Mr Cooper in late XXXX since we had not received any paper work from them. We were told that no payment would be due in XXXX. In mid XXXX we received a letter dated XX/XX/2022 welcoming us. On XX/XX/XXXX I received a notice from Mr Cooper that payment was due on XX/XX/XXXX but it was for twice the amount normally due. Since we were told by Mr Cooper that no payment was due in XXXX, we used that money to pay down our credit card. My wife contacted Mr Cooper to resolve and was told that all they could due was a pandemic forbearance but that all the money would still be due on XX/XX/XXXX. I called the next day and spoke to a supervisor. I explained the situation. He admitted to employee incompetence and said he could fix it. He said he could move the payment from XXXX to the end of the loan. Unfortunately that did not happen. Today I called in again and was told moving the XXXX payment to the end of the loan was impossible.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TX

Complaint narrative:
I have submitted multiple request to remove wring addresses and still have not removed the inaccurate information on my credit 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 non-monetary relief
Consumer complaint received 2022-03-29 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: TX

Complaint narrative:
I have submitted multiple request to remove wring addresses and still have not removed the inaccurate information on my credit 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 non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting false information on my credit report violating FCRA 15 USC 1681- ( a ) ( b ) 15 USC 1692 ( a ) ( b ) I would like to remove all negative remarks from XXXX XXXX date XX/XX/XXXX. 2021 and 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 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There is an incorrect account opened through TransUnion marked as XXXX XXXX XXXX XXXX. It first reported to my credit on XX/XX/2022 and it states it is a rental agreement, however, I do not currently rent from anyone. I live with family. I called TransUnion but they did not do anything about the false reporting.

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 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Identity theft happened. Numerous credit cards opened. Comenity bank was notified and they are trying to claim its a legit credit card. This company is trying to steal money from me. Iv never had a card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: FL

Complaint narrative:
I have been in contact with Experian regarding disputing inquiries on my report that I did not authorize for the information to be furnished. This is Identity theft and I have filed a complaint with the FTC on XX/XX/2022 the reference # is XXXX Experian refuse to remove the inquiries stating they will remain for 2 years when I never authorized the inquiries to be furnished. Experian has broken the law continually. According to 15 USC1581c-2 Block of information resulting from identity theft. 

The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which I have never authorized to be furnished on my consumer report. 
. 
This is my second certified letter to Experian. and these are the violations below. 


15 USC1581c-2 USC1581 ( a ) 1-4 15 USC 1679- ( a ) Disclosure required 15 U.S. Code 1681i-Procedure in case of disputed accuracy

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 2022-03-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has consistently been incorrectly reporting to Experian credit bureau that I have a {$1000.00} credit limit for my Rewards Visa. This is incorrect. I have a {$2000.00} credit limit for my Rewards Visa and this incorrect reporting by XXXX has unfairly negatively impacted my credit utilization on my credit report and has significantly decreased my credit score. At times, this incorrect credit reporting by XXXX has caused it to appear that I was over the limit, which I was not and this has significantly decreased my credit score. By reporting that my credit limit is {$1000.00} when it is actually {$2000.00} credit limit, when my card reaches a balance of {$1200.00}, it is incorrectly reported on my credit report that I am over the limit which significantly decreases my credit score. I am unfairly suffering due to this incorrect credit reporting by XXXX. I have attached credit reports showing this on my Experian credit report and there is an incorrect balance showing on the attached XXXX reports. I have also attached proof that I have a {$2000.00} credit limit on my Rewards Visa. 

Also an inactive credit card account is consistently showing on my credit report as 'No Status '. this card account should report as Closed. 

I have filed disputes with the credit bureaus and attempted to resolve with GeorgiasOWN to no avail. I ask these issues are promptly and seriously addressed for this violate Fair Credit Reporting Act.

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 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
On XX/XX/2022, I called my mortgage company, 21st XXXX, to find out why I had not received loss mitigation papers. I was told they did not receive loss mitigation papers from XXXX and they will foreclose on my property on XX/XX/2022. That's the next day. I stated to 21st Mortgage that I had not been notified. They said notification was sent to me and the attorney I had at the time. Neither the attorney or myself received notification. 21st XXXX will not provide me with documentation that it was mailed to me. I feel like this is an unlawful foreclosure. 

The next issue is the attorney I had at the time, XXXX XXXX, did not forward the loss mitigation forms I emailed to her email account. I have the original email showing it was sent to XXXX XXXX. I would not have lost my land and house had she forwarded my loss mitigation forms. 

I am seeking to have my house and land returned to me and am seeking monetary remediation regarding XXXX XXXX 's failure to forward the loss mitigation forms I had sent to her per her request. She stated she would send the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I tried to contact Experian to establish a credit freeze for my incapacitated mother-in-law. This will, I assume, require identifying her power-of-attorney along with other pertinent information. Their website did not address the process for doing this, so I tried for hours to contact a live customer service representative who I could speak with to address my particular issue. I was never able to actually speak with anyone, despite multiple attempts. I may, however, have inadvertently put a freeze on my credit as I navigated the " maze '' of their automated call system. I have written Experian a letter to send through USPS that, hopefully, will get my question answered, albeit much later than I had hoped. Hopefully, my mother-in-law 's credit will not be compromised in the meantime. The concern I am addressing to you is, if I can't actually contact Experian, except for their regimented call service which will not address individual circumstances, how can I be sure that if I place a freeze on my, or any other, credit account I will be able to lift the freeze in a timely manner? I imagine Experian can afford to address this problem, but it may take your " weight '' to make them.

Thank you for providing a resource that supports individual citizens. XX/XX/2022.

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 2022-03-29 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: TX

Complaint narrative:
I have submitted multiple request to remove wrong addresses and still have not removed the inaccurate information on my credit 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 non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My case related and involved a big financial fraud criminals as follows. A group of financial criminals including the bank internal moles, house value appraisals, ID thefts, Public Notary officers, loan officers, title company etc.This is a complete fraudulent loan chain. The Bank of the West assigned their own case investigator of XXXX XXXX XXXX toke care of this case, and he had spent more than two years for investigion. The last email I received from him said the case had been passed to the US Secret Services and would be solved soon, but he was facing hight pressure from the bank management and then suddenly disappeared.

I tried to report the case to as many as possible autherities as FBI, local policy department, State General Attorney, CFPB etc. But every time the Bank of the West use the same reasons of two to stop the investigation and closed the case : 1 ) Duplicated case 2 ) An agreement was signed Two weeks ago I got a copy of the so called agreement. I found this agreement was totally forged. I will express why as follows : 1 ) I owed the original loan to the XXXX XXXX XXXX, amounting of XXXX. But the agreement asked me to pay the Bank of the West and their partner XXXX XXXX XXXX. 
How can they made a victim of crime to pay double to the criminals? 

2 ) During the agreement signing time, I was out of country, so I had no chance to sign any agreement. I can provide my evidence of my out of country.

3 ) When signing any agreement, I will add the date of signature on it, but this agreement the date is empty.

4 ) I did not know and had not met those persons who signed the agreement. 

Brief summary as follow : This case revolved in a big financial criminals. The original case investigator of XXXX XXXX who had spend two years for the investigation, he should be show up and tell us what is happening? 

I want to have a meeting face to face to speak with the Bank, XXXX V and other loan providers such as XXXX, XXXX, XXXX etc. 

XXXX XXXX owner of the house at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX MY cell is XXXX XXXX XXXX My e-mail is 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 2022-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
On XX/XX/24 I missed my loan payment. They proceeded to take the payment out of my moms bank account that was not authorized on my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On or about XX/XX/2021 I was denied for a mortgage by Rocket Mortgage and received a denial from the loan officer XXXX XXXX XXXX XXXX # XXXX. I was told I was approved and given an approval only to find out 20 days before closing that my loan was declined. When I call the Loan Officer, she could only tell me that they ( Rocket Mortgage ) could not do the mortgage with no other information requested that I could provide. To this date, I do not know why I was declined. I failed to get the home that I wanted to purchase and received the denial with little information provided. I lost that home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received an invitation From XXXX XXXX the issuer Wells Fargo I have a fraud alert my application is on hold for days when I call them they dont know what to do to verify my id entity and approve my application this is ridiculous they claim its a new product and they still are fixing their systems and my other application also they have to complete verification for both of my applications to approve me I applied for my bilt XXXX and my reflect credit card its not fair

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 2022-03-29 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: National Credit Systems,Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX I was made aware of an adverse collection on my XXXX credit report as I sought unrelated credit. The item purported to show {$2400.00} due to National Credit Systems. 

After researching, I determined that collection originated from an apartment building in XXXX, Maryland owned by XXXX XXXX ( the Residences at XXXX XXXX XXXX ), which I had moved out of in XXXX of XXXX. I contacted the apartment building on XX/XX/XXXX to dispute the charge, as I had no record of an outstanding bill and, in fact, had a record showing fully paid at the time of moveout, except for a minor utility bill of {$45.00} that was customarily paid later ( which occurred ). The building management informed me that the property had been sold and that it had no records from that time. It then advised me to contact XXXX XXXX directly. 

Also, on XX/XX/XXXX, I contacted XXXX XXXX  to dispute the charge. I provided the statement from XX/XX/XXXX that showed full payment, except for a {$45.00} utility bill. Capital properties responded that the amount had been sent to collections and that I should pay the collection agency. It further stated that almost all of the charge was to replace carpet. 

Capital properties provided no evidence that the carpets were in fact damaged, let alone damaged because of my tenancy. That is because the carpets were in good condition when I left. In addition, I can attest that from XX/XX/XXXX to now that I am not aware of any attempts by Capital Properties ( or National Credit Systems for that matter ) to contact me about the supposed charges and the reason for the charges. They have also made no attempt to provide any evidence of actual harm to the apartment or that connects the damage to my tenancy. In fact, I only found out about the delinquent item because of an unrelated credit pull on my records. 
Finally, on XX/XX/XXXX, I received a letter from XXXX that indicates that it completed its investigation into my dispute, and it found the credit item as accurate. It did not appear to provide any evidence to support that finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A newspaper is continuing to charge me for a subscription that I have cancelled. I have filed a dispute with the company but I am continuing to be charged. the person I spoke to this morning said there is nothing I can do if they want to keep charging me

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