vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: NV

Complaint narrative:
Please reference Complaint XXXX CFPB premature closed complaint against EQUIFAX. A complaint was recently closed which I initiated against Equifax and their disregard to the Fair Credit Reporting Act and the laws govern by both the State of Nevada and the US Federal Government. I believe that CFPB closed my complaint prematurely and whereas, my issue was in regards to Equifax habit and practice of not properly verifying the information which they insert into my consumer credit report. I am well aware of an ongoing investigation into the illegal practice of some creditors to continuously report an old closed charge off as a NEW CHARGE OFF. This in itself is wrong since a charged off account which is closed can not be updated each month as a new charge off and the document which I attached displays this practice. How can one closed charge off account be charged off over 20 or more times? Furthermore, I understand that a charge off account carries with it negative attributes which last for 7 years on a consumer 's credit file but to constantly misrepresent a single charge off as if it was a new charge off each and every month is illegal and deceptive at its core of fair credit reporting. If this is so-called normal practice then I will contact the US congress and my state representative because if my memory serves me well, this wasn't the case many years prior. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I never received any opportunity to dispute debt from Nationwide Recovery. It appeared on my credit report with an open date of XXXX. I have not received services. I have had prior companys send me information about this debt. However, when disputed they never provide verification. It seems that they are all passing this debt around to various companies. I have requested an itemized bill and validation of debt owned. Documentation of date and services provided. They are creating amounts how can an hospital bill be {$120.00}? I have yet to receive any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I set up a mortgage payment to be made on XX/XX/21 through my personal banking bill pay. Suntrust did not deliver the funds in a timely manor as promised thus causing me to incur a late fee and negative credit 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 explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I suffered a total loss on a vehicle. TD Auto told me my balance once my primary insurance paid them would be covered by GAP. I asked if I needed to do anything else and was told no. Only to find out somehow the GAP was denied and now my credit report is showing Im delinquent for a year on a car that at the start of that year was not a factor because it had been totaled out and paid by insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to you about my credit card Account Ending in XXXX. We had a great relationship history that darkens a missed payment in 2014. I understand that you are not obligated to help me in this matter. But I would be very grateful to your bank if you can remove the missed payment in XX/XX/2014. I know that according to the rules of credit bureaus, missed payments should be kept in the report for 7 years. It will not be difficult for you to give me the opportunity to improve my credit score. It will give me the opportunity to get the house that I have dreamed of for so long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing today in regards to my account with JPMCB CARD Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020 and XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
1 ) To check my credit score to apply for a mortgage refinance, I checked the Transunion website for a free credit report. I didn't intentionally subscribe to any ongoing credit monitoring, but was signed up for a {$25.00} per month monitoring service while trying to request a free credit score, which Transunion claims to offer. I saw the {$25.00} charge two weeks later, and called, having never used the service, to ask that the charge be reversed. They would not cancel the charge. They did cancel the service they say I signed up for ( which they would have charged me automatically, they said, every month ). 

Transunion told me that they did offer free credit reports, but through annualcreditreports.com, not the Transunion home page. You would need some special knowledge to know the website where the actual free credit report is available. 

This is deceptive. I had to enter my personal information to receive what I believed would be a free one-time credit report. Transunion used that information to charge my credit card and would have charged me every month without my knowledge, very similarly to many online scams. The subscription is listed in about 10 point font on the web page, but there is no way to get a free credit report from the Transunion website, as would be expected. 

2 ) Transunion, unlike the other credit agencies, has an incorrect past address from fraud that doesn't even actually exist. The address is from years ago, and was corrected, but Transunion still lists 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 monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
First of all, my son had so-called emergency treatment on XX/XX/XXXX. I tried to fix the problem with the XXXX XXXX XXXX XXXX and contacted my insurance and XXXX. Then, they assured that they can take 20 % off from the statement and I tried to schedule a payment plan with additional discount due to XXXX. Around XX/XX/2020 I noticed that I was referred to debt collector called CAPIO PAYMENTS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX I emailed to them twice and send the documents around XX/XX/2020 and they still send the incorrect amount of {$1800.00} which I will not pay and can not even afford it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: FL

Complaint narrative:
I sent mail correspondence to all the creditors on my credit report with no resolution

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 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
Please reference previous CFPB complaint XXXX. 

Previous complaint filed stating company had failed to validate the above mentioned debt. The company responded to initial complaint stating they would validate the debt and provide the requested information. 

As of today, 30 days later the debt is being reported, has not been validated, in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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:
I have some collections on my reports that are over 7 years old and i have been trying to dispute them since XXXX and have had no luck. 
My understanding was that once you filed an dispute the credit bureaus had 30 to reply or fix it. None of this has happen. I check my reports all the time and as of today XX/XX/2021 nothing has came off. 
I mean seriously how long does this take?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage Services Call on XX/XX/XXXX to report error of curtailment. Told 3-5 business days Call on XX/XX/XXXX to determine why curtailment was NOT fixed. Told it was actually 15 business days and that XX/XX/XXXX, it would be fixed Call on XX/XX/XXXX, to determine why it was still not fixed. Was told the VP had not approved it yet. I asked to speak to a manager. Was left on hold for over 30 minutes with no answer. 

Date account was in forbearance : XX/XX/XXXX Normal Monthly payment during the forbearance : {$1100.00} Total amount due at end of forbearance : {$13000.00} Total amount paid : {$13000.00} Amount overpaid : ( {$21.00} ) XX/XX/XXXX Curtailment {$1000.00} applied by Carrington Mortgage in Error XX/XX/XXXX Payment of {$76.00} ( amount told needed to bring the account current ) Amount not properly applied : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: NC

Complaint narrative:
I am a XXXX  XXXX, in a contract with a client to build a house. Homeside Financial has the construction loan which will be a home loan with the VA in the end. Homeside has moved {$7700.00} out of the construction budget to a column labeled " Prepaid or Equity from Borrower. '' This money is clearly not in the " Drawn to Date '' column. However, the representatives at Homeside insist that I was paid this money. I have tried several times to explain their own spreadsheet to them, but they can't see the error. I have told them if they will add the Drawn to Date and the Balance Remaining columns that should equal the contract amount. The total is short {$7700.00}. 

I can't upload the XXXX spreadsheet, I could forward an email with the attachment if you contact me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: NV

Complaint narrative:
XXXX ; XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 XXXX XXXX # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

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 2021-03-24 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: NV

Complaint narrative:
Equifax ; XXXX and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 XXXX XXXX # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

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 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest credit systems is saying I owe a debt that has been paid to the original creditor, XXXX, I was not notified that by Southwest about a debt collection. XXXX has sent over a request for deletion on XX/XX/2021. Now they will not remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TCF NATIONAL BANK
State: IL

Complaint narrative:
I don't understand why you need everything in writing. I don't have time to go to the USPS and send you letters. Submit your answer here so I can see the result in between work. I understand that you have no confirmation and therefore you are not sending me anything. Your next answer without validation will be sent to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed via XXXX and bank through Chase. 

Through Offer Up, a potential buyer wanted to send me money for a mattress I was selling plus the fee for the movers. I said sure, whatever, Ive dealt with weird stuff on Offer Up before. I was sent a ( fraudulent ) cashiers check of {$1200.00} from this individual and sent two XXXX payments of {$500.00} and {$570.00} to who I thought was movers and kept the money meant for the mattress which was {$130.00}. Once I learned this was sketchy, I told the guy Im out and refunded the money for the mattress. 

The check he used was refunded because it was bad, and now Im out {$1200.00} of my personal money because XXXX offers NO fraud protection and Chase cant do anything to help me. Im not in the position where I can just lose {$1200.00} and Im completely screwed. I tried calling Chase and basically begging for help, but all they could do was label the XXXX recipient as spam and told me I was pretty much XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, TransUnion Consumer Solutions Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.

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 2021-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was charged a late fees for paying my bill after XXXX XXXX on a due date! How is this legal and fair during a global pandemic!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I started a refi of my loan in the amount of {$420000.00} with owning.com on XX/XX/2020. I enjoy excellent credit and this is a very low loan to value loan, so I was subsequently approved right away. However, when I kept asking for closing documents, they started asking for more and more financial documents. I provided everything and was told I was approved verbally and via email, multiple times. Then I was told that owning.com was sold to guaranteedrate.com. I was told to wait for that sale to fully consume but all our commitments were to be honored. I was provided with new documentation with guaranteedrate.com. And, yet, to this date they will not close the loan. I can not get them to answer the phone or return the call, nor will they respond to emails. Btw, their underwriters are completely inept and have substantially discounted my annual income because they do not understand how to read tax returns. Nonetheless, I qualified. This is ridiculous and also, I was simultaneously refinancing my mother 's loan and the identical progression of steps have occurred with her loan as well. Please help.

Company response to consumer: Closed with explanation