vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to fix this problem for 8 months. I have a personal loan for the amount of XXXX and Experian and XXXX XXXX cant seem to get this corrected and I've been disputing this for too long. It is a SHAME that these companies are failing to adhere to the laws and rules of this game they are playing with me. XXXX tells me they are reporting and Experian tells me they have not. Experian even had me upload my loan documents that clearly show the loan amount of XXXX but they don't have it reported and told me that wasn't sufficient enough for them. Now I really don't know what to do. I am losing credit for my loan I've been paying on for 8 months. The loan amount shows unavailable and the balance is XXXX with a XXXX monthly payment, and it says 0 % of this loan has been paid. Please help me. This has given me undue stress and I don't deserve to be treated this way. My credit is very important to me and I think they should be ashamed of how they have conducted themselves. Ive disputed this account 5 or 6 times and still no correction, it's despicable to say the least. Thank you for your time and diligence in this matter.

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 2020-02-25 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: I.C. System, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX I went in for a XXXX and the XXXX just started doing other work and XXXX  on a XXXX  to have ready she said. They were taking me so fast because I had a credit card XXXX card I used the whole amount, I didn't like how long it would take her to work on my mouth I was just unhappy about the whole experience, I stopped going. But my bill was paid now the XXXX  I didn't get they still have it. I remember someone calling me I don't know if they were from collections or the office.

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 2020-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Had an issue with my accounts where funds were not being drawn and issue cause my payment to be late. Please see vehicle on time payment history ( 17 months straight on time payments ). Tried resolving but got no where.

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX ( a company that I keep receiving junk mail from ) keeps pulling hard credit inquiries on my account without my permission. I have disputed this several times with the reporting agencies to no avail. How do I stop this unethical and unauthorized hard credit pull from continuing to happen??? 

XXXX XXXX pulled hard inquiries on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all without my knowledge or permission. 

This needs to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.

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 2020-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I

n XX/XX/XXXX/XX/XX/XXXX I had 3 significant events that changed my life- a death in my family, an illness and unemployment, this the reason why I began to fall behind in mortgage. In XX/XX/XXXX,
I had applied for mortgage assistance and was given the run around for several months. At first I was told to send in my husband 's financial information including his pay check and his tax returns and  several months later I was told his income can't be included. So I applied for unemployment forbearance and was accepted for forbearance for 6 months. In those months during modification, I asked to pay down mortgage so I wouldn't get further behind. I was told by agent on several occasions that I would like to make a payment toward my mortgage and they refused to take payment. In XX/XX/XXXX ( XX/XX/XXXX-XX/XX/XXXX ), I  made every payment for the unemployment forbearance. At the end of the forbearance, I was told to apply for modification. The agent said I would not be able to use my husband 's income toward modification, but he can pay me rent toward property, which he did. He paid {$2000.00} for him and his son ( XX/XX/XXXX through XX/XX/XXXX ). We did as we were told by Chase agent and payments were made toward rent. I was informed in XX/XX/XXXX that the rental payments could not be considered. Also, I was told that my husband 's income could be considered at numerous times and then they changed their mind and said it could not be considered. I have asked numerous times can my outstanding balance be added toward end of the loan, so we can start making payments. Also, I made a call about reinstatement fee and they mentioned I a foreclosure was ordered last summer while I was in the middle of forbearance/modification process. Chase has no business being in the mortgage business, they are very manipulative and lied to me about the status of account on numerous occasions. They have purposely delayed the modication process so I would be further and further behind. Also, they basically told me there is nothing I can do since my loan will be sold in XX/XX/XXXX. This is frustrating as a long time customer of Chase mortgage and my household has an income to pay the mortgage. It's frustrating that we want to pay, but it has not been accepted for over a year. Chase has caused this problem, they need to rectify their wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Hello, I refinanced my VA loan with PHH and closed XX/XX/XXXX. It has been over two months and I still have not received my escrow refund. They claim they sent a check out on XX/XX/XXXX after waiting for weeks, I contacted PHH in XX/XX/XXXX and they indicated they would send a replacement check on XX/XX/XXXX, after three weeks and still no check, I contacted PHH again and they blamed the USPS for me not receiving the check. On XX/XX/XXXX PPH told me to wait and see if the check arrived over the weekend and they would give me a call Monday, XX/XX/XXXX, to followup. I did not receive a followup call so I contacted PHH again and they informed me a request had been made to expedite the issue but it would take 7-10 business days before they knew anything. They told me to just wait and they will get back to me. It has been over two months since I refinanced my loan and still not receipt of my escrow refund. Every time I call PHH they tell me they are working to resolve the issue and it will be another 7-10 business days before they or I know anything. As a consumer, I have been taken for a ride and it appears I have no recourse nor any type of consumer advocacy to resolve the issue. I fear I may never receive my escrow refund after repeatedly being told to wait 7-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I submitted a 609 letter the the 3 main credit bureaus ( Experian, XXXX & XXXX ) and didn't not receive an reply. Its been over 30 days and still haven't received anything nor got any updates.

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 2020-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: PA

Complaint narrative:
XX/XX/XXXX To Whom it May Concern, In the fall of XX/XX/XXXX I was contacted by Ameritech Financial with the promise of a program to help me pay back my student loans. The promise was I would pay a reduced amount for 10 years, then the remaining balance would be wiped away. I researched the company, talked to representatives from the company, and checked with the XXXX XXXX XXXX ( which gave Ameritech a good review ). This deal was similar to something other companies were also offering. I started paying the {$100.00} per month in XX/XX/XXXX. I continued to pay it all throughout XX/XX/XXXX ( 12 months ),  and noticed that in XX/XX/XXXX,  the payment did not automatically come out of my checking account, as the previous payments had. When I checked with XXXX XXXX ( the Department of Education organization that my loans were originally with ), they informed me that I hadnt made a payment in over a year, and that I was on a zero payment repayment plan. I had not made those arrangement with XXXX XXXX, and my username and password no longer worked. My guess, with the help of the agent from XXXX XXXX, was that I had been duped, and Ameritech had something to do with my login information changing and my zero repayment being set up with XXXX. The agent from XXXX XXXX recommended that a file a complaint through the Federal Trade Commission. I did that, with no result, just a sorry, but decided to call them anyway. They recommended I file a complaint at consumerfinance.gov., hence this complaint. In the meantime, I did a little more research on Ameritech Financial, and saw many stories in the news how Ameritech took money from many people hoping to help pay off their student loans. I will be attaching an email I received from the Federal Trade Commission in regards to legal action against Ameritech and what I can do. I am hoping that this letter is the first step in recovering the money that I thought was going towards my student loan, but was in fact lining the pocket of some crook. Thanks in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-02-25 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: Credit Plus Inc
State: CO

Complaint narrative:
Credit Plus ( a company that I keep receiving junk mail from ) keeps pulling hard credit inquiries on my account without my permission. I have disputed this several times with the reporting agencies to no avail. How do I stop this unethical and unauthorized hard credit pull from continuing to happen??? 

Credit Plus pulled hard inquiries on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all without my knowledge or permission. 

This needs to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I submitted a 609 letter the the 3 main credit bureaus ( XXXX, XXXX & Transunion ) and didn't not receive an reply. Its been over 30 days and still haven't received anything nor got any updates.

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 2020-02-25 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: FL

Complaint narrative:
On XX/XX/2020 I submitted a 609 letter the the 3 main credit bureaus ( XXXX, Equifax & XXXX ) and didn't not receive an reply. Its been over 30 days and still haven't received anything nor got any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My XX/XX/XXXX Capital One statement shows a balance of {$240.00} and a minimum payment of {$25.00} due by XX/XX/XXXX. The XX/XX/XXXX statement shows an electronic payment of {$240.00} posted on XX/XX/XXXX, and an interest charge of {$2.00}. 

I contacted Capital One on XX/XX/XXXX to dispute the interest and spoke to XXXX, who told me that " the way our computers calculate interest is kind of funny '' and that if I pay the {$2.00}, my next statement will have a XXXX balance. I stated that I will NOT pay that amount, and requested that it be removed from my statement. XXXX then informed me that " she did see an option for a waver of the interest charge '' and that " as a one-time courtesy, she would provide a credit to my account which should be applied within seven to ten days ''. 

While not germane to the issue, the payment submitted was a balance transfer to an interest-free account with another creditor. I believe this is relevant because less knowledgeable consumers would probably attribute the interest charge to how the balance transfer is processed and assume it is legitimate. 

My obvious complaint is that first, I was charged interest on an account which does not assess interest on balances which are paid off by the due date, second that instead of an apology I was instructed to pay the fraudulent charge, and third that instead of being treated as an oversight, the issue was " resolved '' with the insinuation that the company was doing me a favor by correcting their fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
Hello, XXXX charged me for two months of usage on an account that had been closed for two months at the time of the charge. I was NEVER notified of these charges and therefore could not resolve the issue prior to collections. As soon as I received a notice in the mail from Radius Global Solutions, I reached out to XXXX and the collector to report that this debt was not possible as my account had been closed at the time of the charges. 

I spent 7 hours on the phone with XXXX, who finally removed the charge and assumed responsibility for the error. Unfortunately, the collector has not been cooperative with dismissing this debt, even though it isn't mine. They have refused to call me back, transfer me to incorrect departments and do everything they can to avoid aiding me in removing this FALSE and FRAUDULENT charge. 

I have contacted Radius Global Solutions numerous times and nothing has been done to resolve this. It has caused my credit score to  PLUMMET and now I will be unable to purchase a home due to the ridiculously high rates I am being quoted, all directly associated with this debt and Radius Global Solutions. 


Here is the confirmation number received from XXXX after resolving this issue # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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:
My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: AR

Complaint narrative:
i called the company and explained that i have called each company on that took a hard pull on credit report and explained the ones that ones that did not belong to me and was fraudulent. i did open a dispute and got a list of Hard Pulls and their response was XXXX XXXX is part of credit file i guess that means they never wasted any time looking into it. at the top it said delete, resolved, removed, none of them. i have filed three times and only got one letter from them and that what i got. the accounts fraudulent and the no it because i called the company 's. Important Messages Medical Information By law, we can not disclose certain medical information ( relating to physical, mental, or behavioral health or condition ). Although we do not generally collect such information, it could appear in the name of a data furnisher ( i.e., " XXXX XXXX '' ) that reports your payment history to us. If so, those names display on your report, but on reports to others they display only as " MEDICAL PAYMENT DATA. '' Consumer statements included on your report at your request that contain medical information are disclosed to others. 
Public Records Information If your report contains public records, the Public Records section includes items from courts that XXXX  may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , GA XXXX, or visit https : //experianconsumers.XXXX ( https : //experianconsumers.XXXX  ) .and i called and they did share my information with third party and they share with others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: LEXISNEXIS
State: GA

Complaint narrative:
My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX I am contacting the CFPB to help resolve and identity theft account that was open in my name in another state. In which, I have never lived in the state my entire life. I have an account hat was open in the state of Colorado. The address is XXXX XXXX XXXX XXXX, XXXX, CO XXXX in which I have never lied at this address. I filled out an identity theft affidavit with XXXX already informing them that the account they have on my credit report and with the ERC is not mine. After contacting the collection company Enhanced Recovery Company LLC by phone and mail the collection company provided me with the contract. I hired a consumer investigation company to investigate the fraud and have it removed from my credit report. I will provide the affidavit XXXX got back in touch with me asking for information I provided proof of residences with my driver 's license. I like to also, inform ERC, XXXX, and the CFPB that at the time the account was open I already had XXXX in XXXX, Texas. I open my XXXX account on XX/XX/XXXX and closed it on XX/XX/XXXX. There is no way I could have open two cable companies ' accounts. XXXX can be contacted at XXXX. The address where the account was open is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I am going to provide all the documents I shared with XXXX, the collection company response with my contract, and my proof of residency at the time from XXXX XXXX. I tried to upload the proof of residency to XXXX but their online system is not working I kept getting an error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: ID Analytics, Inc.
State: GA

Complaint narrative:
My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello XXXX XXXX and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my 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 explanation