vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: CITIBANK, N.A.
State: UT

Complaint narrative:
CBNA is reporting erroneous lates on my credit file. They are reporting lates for the XX/XX/20, XX/XX/20, XX/XX/20. When I opened this card I was told there was some fees which was completely fine but i didnt know that they would charge me right away. If i were aware of these charges i would have paid them to avoid the late notations on this card. If you look at my file you can see that i never even used this card or added a balance other than your fees. I never received any letters, calls, or notices about the charges or the late payments until i pulled my credit and saw this account was delinquent. I called and paid it immediately and called to see where the balance came from and that's when i was advised it was the service fee that i was told i would not be charged right away! I need these lates if not the WHOLE account removed from my credit file. I keep all my accounts in good standing and this account has ruined my credit. I need it removed ASAP

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 2021-04-09 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: UT

Complaint narrative:
Experian is reporting an bankruptcy on my credit file that must be removed. I recently checked my credit and noticed that Experian is reporting a bankruptcy on my credit file from 8 years ago. XXXX & XXXX  have removed it because it is past the credit reporting limit but Experian continues to report this item and it is a violation. This bankruptcy must be removed from my credit file as it past the credit reporting limit.

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 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I recieved a letter in the mail from PennCredit corporation, Notice of collection from XXXX XXXX XXXX XXXX for a total balance due of XXXX for service date of XXXX Which I was no longer at this address since XXXX the water should have been cut off as when paid last bill XXXX XXXXn the amount of XXXX confirmation number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX Bank of America transferred {$1300.00} out of my account without permission. They claim this was to cover a vehicle that was totaled back in XXXX. I had gap insurance, so no balance should have been remaining. I called on XX/XX/XXXX and was told a manger would call me back that day because Bank Of America always sends out notices before they offset an account. I called again on XXXX and was told the same thin about a manager returning my call. I received a call today, XXXX from a manager and was informed that they typically offer a settlement or good faith payments towards balances like this, and they have in their notes that I asked them to not call me so they weren't able to offer those things to me. I informed him that that is a lie, as I have never asked Bank of America to not call me. I asked him to tell me where in the notes it is stating that I asked for them to not call me, and he said he would have to research it. 

Bank Of America has never sent me any correspondences offering me a settlement, good faith payments, or informing me about his alleged balance. Instead, they took money I had allocated towards bills with their unauthorized transaction. 

I asked the manager if I could pay a settlement, and he said no since they already had the money. Bank of America is an unethical financial institution that could care less about their customers.

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 2021-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I received a credit hard inquiry on my credit report from SYNCB/JC PENNEY to open a credit account. I did not request a Credit card or open line of credit from JC PENNEY. I have contacted XXXX and filed a dispute with them on my credit report. A rep at XXXX told me to file a report with the FTC/CFPB since I may be a victim of identity fraud.

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 2021-04-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I tried to do a refinance with Quicken Loans. 
I spent 6 weeks working with them, beginning on XX/XX/XXXX. 

In the end, my application was rejected because the property is more than 20 acres and is a residence in a residential zoning district. Note that my credit is exemplary and the property appraised for over estimated valuation. 

Following this, I asked Rocket to remove the credit check from my account as it was based on the false premise that they provide jumbo mortgages to properties such as mine. 
At this time the agent refused to acknowledge any accountability of Quicken for it's false business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: VA

Complaint narrative:
I am filling this CFPB complaint against Equifax since I am unable to get the expected result for the multiple disputes I am sending to them. I made sure to send another letter directly to the XXXX XXXX to make sure that my concern is rectifide. The account is I am disputing is XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Now that this account is only reporting in Equifax and I don't know how they allow XXXX XXXX to continue and report this account as verified. I wanted to make sure that this account will no longer show in my next credit report. I sent direct certified mail to dispute this account to XXXX XXXX. Below are inaccuracies that continue to report in my credit report. 
1. The initial balance reporting for this account is {$920.00} but after this has been removed to 2 credit bureaus the balance was changed to {$300.00}. The balance being reported is completely different. This is from the same account and account number so how can the balance be changed if you are claiming the account as verified as accurate. 
2. From the initial report ( XX/XX/XXXX ) the balance was {$920.00} but the high credit in the report is only {$390.00}. I need to know charges or interest added by XXXX XXXX in this account to end up to the balance of {$920.00}. 
3. Equifax agreed to the reporting of XXXX XXXX that this account was fully verified then how did the balance change to {$300.00} after a few months? No date of last payment reported in this account so please verify and validate why the balance that ends up as {$300.00}. 
4. This account was acclaimed by XXXX XXXX in XXXX and I know that this debt is completely older than that. This account is outdated therefore should be removed from my credit report due to the statute of limitations. 
5. Equifax continues to allow XXXX XXXX to violate my right that drastically affects my credit score. This mistake can be prevented if Equifax only takes time to investigate and review how this company reports this account. And I need this to stop. This is an inaccurate and invalid collection account that has been giving me a hard time improving my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CA

Complaint narrative:
REFERENCE MY COMPLAINT NUMBER XXXX : 1. EXPERIAN DID NOT REPLY TO MY SPECIFIC COMPLAINT AT ALL!!!!! Instead, they replied with a form letter, something they probably send to everyone who makes a complaint about hard inquiries on their credit reports. This is completely unacceptable. 

2. Experian 's form letter does not address my specific complaint, which is that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX did NOT have a permissible purpose to check our credit because if Experian had warned me that I needed to wait a couple hours between the time I used its automated system to unfreeze my credit report and when it would be safe for XXXX to check my credit, these three companies would never have checked our credit reports. It is Experian 's failure to do its job - the simple task of giving me complete and truthful information - that allowed these three companies to check our credit. Again, this was NOT A PERMISSIBLE PURPOSE to check our credit.

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 2021-04-09 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: IN

Complaint narrative:
Six months ago, I noticed XXXX XXXX on my credit report and knew I had never done business with them. I did do business with XXXX XXXX who was acquired by XXXX XXXX and the loan that I had with XXXX XXXX I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called XXXX XXXX and was told the loan was too old and they could not access any information on it.

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made dozens of requests to have the bankruptcy reported on my credit report from 2019 removed. I have provided TransUnion with documentation from XXXX, the XXXX XXXX XXXX stating this is reported incorrectly. And yet they refuse to remove the information. I recently sent them all of the documentation certified again, and they are still refusing to remove the incorrect information.

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 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The first time I was informed of the collection was XX/XX/2017, I received a collection letter from Procollect. An individual XXXX XXXX XXXX XXXX leased an apartment using my Information. I contacted the collection agency immediately and they said I had to pay. I contacted the 3 credit bureaus, placed identity theft on my credit and sent in documents to have it removed. After Initial call, I called about 3 more times to speak with the rep handling my file, she seemed unconcerned about my situation and rude, every time just said to email documents because she never received. Procollect has never sent a document signed by me, or any evidence that ties me to that lease agreement, they didnt even investigate because if they had they would notice the names are not the same. I have given up with no one listening. I am now in need for this to be fixed. I need to be able to rent an apartment under my name so I am asking to please fix this error that has been a pain for the last 4 YEARS.

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 2021-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
My mortgage is currently managed by Cornerstone Home Lending , Inc. serviced out of XXXX, NJ. I have a had a series of issues with this mortgage company from them not paying my home insurance from my escrow account with an available balance to not providing me with my requested documents. In addition, we are exempt from paying taxes and this documentation was provided in XX/XX/XXXX. In XX/XX/XXXX, we received a letter stating that our new mortgage rate was increased to account for the XX/XX/XXXXtaxes. I had to spend nearly on hour online trying to figure out where to re-send this documentation I have been contacting Cornerstone since the beginning of XX/XX/XXXX. My online account has been turned off. I have never received confirmation as to why my online account is turned off ; however, I believe that it is due to my current bankruptcy. Please note, THIS HOUSE IS NOT INCLUDED IN THE BANKRUPTCY CASE. 

I need a 30 day payoff statement. We have complied with the requirements to send in an official request first. I have called Cornerstone regarding this request seven individual times. Each time I am transferred around and ultimately placed on hold. The hold times have ranged between 45 minutes to an hour and half where I ultimately end up hanging. I have talked with the Director of Regulatory Affairs, XXXX XXXX ; however, I still have not received the 30 day payoff statement. This has now caused an adverse effect on my ability to refinance my home with a new company. The new company is unable to complete my refinance paperwork without a 30 day pay off statement. Since Cornerstone has refused to send my 30-day payoff statement, they are forcing me to remain finance through them. I do not want my home financed with Cornerstone any more. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: FL

Complaint narrative:
As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage
State: CA

Complaint narrative:
On XX/XX/2021 my closing attorney reached out to STATE Home Mortgage, for my final payoff quote for my mortgage. 
This being due to the fact that I recently was selling my home and the loan was going to be paid off in full. 
The payoff request was faxed to the fax number notated on State Home Mortgage 's website. 
Upon checking back with the attorney to see whether she had received the pay off quote, she told me no. She had not received any correspondence yet, as to the request. 
I proceeded to contact State Home Mortgage myself, to find out what the status was on my attorney receiving the payoff quote. 
They then proceeded to inform me that it needed to be emailed, that they did not receive anything. 
Upon receiving the payoff quote back within my HUD settlement agreement, it was quoted that I owe a total of {$24000.00} for my first loan and {$7500.00} for my second loan. This grand total equaling {$32000.00}. Please see attached documents I have also attached the payoff information that was forwarded to the attorney. 
Upon conducting my closing, the transaction was closed and everything was finalized. All monies were disbursed according to the HUD statement. 
A week later my attorney called me back informing me that my mortgage company contacted them and the payoff quote they provided was short by {$100000.00}. 
The correct amount upon receiving the new payoff quote was {$95000.00}. 
The amount in which this payoff quote was off is totally unacceptable. 
It was a week before this situation was brought to my attention, after I continuously called to check and see if the payoff payments were applied to my account. 
I could have spent the money, bought another house, I would then be sued for the remaining balance from the people who bought the home. 
The title would no longer be free and clear. 
This situation created a major hardship for me and was handled in a very negligent way. 
I have reached out to the Manager at the payoff department and asked that disciplinary measures be taken on this employee for this negligence. She should no longer be able to continue to serve in the capacity in which she serves. 
I asked the manager who's name is XXXX XXXX, what the person 's name is who requested the original payoff quote. She did not inform me of her name. 
There is only a signature on the payoff information that was sent to my attorney. I believe her name is XXXX XXXX. 
This matter needs to be tended to, to where this type of careless mistake does not happen again. 
When you are dealing with something as serious in nature as high dollar mortgage payoffs, the individuals in these positions should be thoroughly trained ; to know how to properly carry out this type of major transaction. 
Your attention to this matter is urgently needed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE NAMES DO NOT BELONG TO ME : 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 THESE ADDRESS DO NOT BELONG TO ME : Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX PL XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX LAKE XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX FAMILY Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: GA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me.

Company response to consumer: Closed with explanation