vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this company is dodging their duties, how many times do I have to submit my complaint? I am attaching a selfie of myself holding my ID to verify my identity. along with the letters sent to the company that they are disregarding

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 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
Loan Servicer Paid property taxes. However, Title Company will not release funds. Escrow and Title Company should be sanctioned and interest included for improperly withholding funds unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On the evening of XX/XX/XXXX ( CST ), XXXX, Chase Bank 's customer service phone system was down at XXXX XXXX. My roommate, also a co-account holder with me at Chase, attempted to transfer funds from his proprietary account at Chase, to our joint account, to cover an overdraft. The aforementioned phone system even put out the message that it was unreachable, that one should try later. My roommate continued to call ( as reflected in phone records ) for over an hour, finally succeeding at XXXX XXXX. By then the date, as Chase arbitrarily defines it, was XX/XX/XXXX, thereby incurring a {$35.00} overdraft fee. This fee should be refunded, since it was still timely at XXXX, and their fault, not ours, that the transfer was late. Moreover, Chase advertised when I opened the account in XXXX, that overdraft fees would be waived if " overdraft is covered the same day, '' not some XXXX XXXX XXXX definition. This was deceptive and invited misunderstanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
For the past 2-3 years I have tried to get 4 student loan accounts that should have aged off my report 6 years ago. Trans union and XXXX disputes has always resulted in saying the creditor has deemed the information accurate and therefore will stay on my report, despite all evidence I show otherwise. I have tried disputing with XXXX as that is the company both Transunion and XXXX  tells me is the company reporting the items. I filed two complaints against XXXX through CFPB. The second complaint resulted in XXXX reiterating they are not the ones who are reporting, XXXX  is. XXXX also instructed to call the number XXXX, listed on my credit report, for any concerns specifically for the credit reporting in question. That line connects directly to XXXX. I also contacted XXXX and as I have said over and over again, they have checked the national credit bureaus and there zero records of any reporting is being made. I showed them the items in question and they instructed me to contact XXXX. So if XXXX  claims they are not the ones reporting, and XXXX  says there are no records of any reporting being made, why are these accounts that are negatively impacting my score still on my report??? Why do both credit bureaus refuse to delete these marks off my credit report if both companies claim they are making no such reports to them. I have contacted XXXX, XXXX, XXXX XXXX, Even XXXX  XXXX XXXX - they all claim they are no records of them ever reporting to credit bureaus.

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 2020-12-08 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: CT

Complaint narrative:
For the past 2-3 years I have tried to get 4 student loan accounts that should have aged off my report 6 years ago. XXXX XXXX and equifax disputes has always resulted in saying the creditor has deemed the information accurate and therefore will stay on my report, despite all evidence I show otherwise. I have tried disputing with XXXX as that is the company both XXXX  and equifax tells me is the company reporting the items. I filed two complaints against XXXX through CFPB. The second complaint resulted in XXXX reiterating they are not the ones who are reporting, XXXX  is. XXXX also instructed to call the number XXXX, listed on my credit report, for any concerns specifically for the credit reporting in question. That line connects directly to XXXX. I also contacted XXXX and as I have said over and over again, they have checked the national credit bureaus and there zero records of any reporting is being made. I showed them the items in question and they instructed me to contact XXXX. So if XXXX  claims they are not the ones reporting, and XXXX says there are no records of any reporting being made, why are these accounts that are negatively impacting my score still on my report??? Why do both credit bureaus refuse to delete these marks off my credit report if both companies claim they are making no such reports to them. I have contacted XXXX, XXXX, XXXX XXXX, Even XXXX  XXXX XXXX - they all claim they are no records of them ever reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NJ

Complaint narrative:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Reliant Capital Solutions, LLC
State: SD

Complaint narrative:
I am in default. Started the default resolution program in XX/XX/2020. Made {$10.00} payment ( only required {$5.00} ), then the virus hit, and president order went into effect. Made another {$20.00} payment in XXXX or XXXX. 

Keeps being reported as late payments on all 5 accounts even though thats not the case. Program should have ended in XX/XX/2020 and it didnt until XX/XX/2020. 

I have disputed with all 3 major credit agencies as well is US Dept of Education and the collection agency to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX, I purchased a laptop ( XXXX XXXX XXXX XXXX ) from XXXX XXXX ( merchant ). The purchase price was {$600.00}, and the overnight shipping was {$70.00} dollars, totaling {$670.00}. Upon receipt of the {$670.00}, XXXX stated that he would provide a tracking number for the laptop. I went ahead and completed the purchase of my laptop. After XXXX confirmed my purchase, he became unresponsive to my requests for a tracking number. 

On Friday, XX/XX/XXXX, I become concerned once I did not hear back from the merchant with my tracking number, fearing I lost {$670.00}. I reached out to the merchant with no response. Then I decided to reach out to the Cash App support team. The Cash APp support team recommended that I process a request for a refund from the merchant through their app. I proceeded to process the request for a refund from the merchant. In that, I continued to reach out to the vendor to no avail. 

I continued to tell the support team my concerns and asked what would happen if the merchant declines my request for a refund. None of the support agents could tell in detail what would happen in the request for refund process. They kept referring me to their terms and conditions. 

Getting more frustrated, I noticed the merchant placed the item for sale again. I reached back out asking about the laptop, and they send the same messaging, which then I learned that they are using Cash App to conduct fraud via their platform. 

After bringing this to their attention, Cash App continued to refer me to their terms of service, not acknowledging that a user is stealing from others using their platform. 

After many attempts to alert them and tell them about the fraud and that it is not fair, they keep my money and continue to fraud, other people. 

This complaint shows the unscrupulous policies that the Cash app has as it allows fraud to be committed and has no protection for its users.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: MD

Complaint narrative:
I have recently reviewed a copy of my credit report. I noticed that there are several inaccuracies on my report that I didn't authorize. These accounts are violating my rights according to the FDCPA. The credit report agency continues to violate my rights according to 15 USC 1692 d '' Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have recently reviewed a copy of my credit report. I noticed that there are several inaccuracies on my report that I didn't authorize. These accounts are violating my rights according to the FDCPA. The credit report agency continues to violate my rights according to 15 USC 1692 d '' Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. ''

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 2020-12-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Our loan was transferred to another loan servicing company - Freedom Mortgage back in XX/XX/XXXX. I reached out to this company first on XX/XX/XXXX to check our loan. Rep stated to call back in regard to loan modification. Called again on XX/XX/XXXX to get update. No update due to still waiting for the documents from previous loan company. I called again XX/XX/XXXX to get update and no update yet. But on both phone call I was advised not to pay and wait for the loan modification to be completed. XX/XX/XXXX called again and still no progress as needed to still receive from previous loan company the complete package, in which I offered to send the copies of the completed package I sent to previous one to use. Rep said yes, send it so they can use it for review. I sent it and Freedom Mtg. received it. Spoke to several Rep when they called us in various dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In which they kept asking for the same documents that they already receive via XXXX and online. Every time I spoke with different Rep they kept promising that they will make a note that all documents are received and will create ticket to expedite review of loan modification as its passed the 2 months RESPA and want this done. Today, XX/XX/XXXX we received a letter from Freedom mortgage stating they are trying to connect with us with no success. What is going on? We want to resolve this but it seems like Freedom mortgage is loosing not only our documents but also the recorded messages that we been talking to them. Help us to just get this resolved as this is taking a toll on my health. My XXXX XXXX had been going up for the last 3 weeks regarding this. They need to get it together and learn to talk to all departments involve so that consumers are not stressed more.

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 2020-12-08 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: NJ

Complaint narrative:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2020-12-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2020-12-08 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: SD

Complaint narrative:
I am in default. Started the default resolution program in XX/XX/2020. Made {$10.00} payment ( only required {$5.00} ), then the virus hit, and president order went into effect. Made another {$20.00} payment in XXXX or XXXX. 

Keeps being reported as late payments on all 5 accounts even though thats not the case. Program should have ended in XX/XX/2020 and it didnt until XX/XX/2020. 

I have disputed with all 3 major credit agencies as well is US Dept of Education and the collection agency to no avail.

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 2020-12-08 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: SD

Complaint narrative:
I am in default. Started the default resolution program in XX/XX/2020. Made {$10.00} payment ( only required {$5.00} ), then the virus hit, and president order went into effect. Made another {$20.00} payment in XXXX or XXXX. 

Keeps being reported as late payments on all 5 accounts even though thats not the case. Program should have ended in XX/XX/2020 and it didnt until XX/XX/2020. 

I have disputed with all 3 major credit agencies as well is US Dept of Education and the collection agency to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: SD

Complaint narrative:
I am in default. Started the default resolution program in XX/XX/2020. Made {$10.00} payment ( only required {$5.00} ), then the virus hit, and president order went into effect. Made another {$20.00} payment in XXXX or XXXX. 

Keeps being reported as late payments on all 5 accounts even though thats not the case. Program should have ended in XX/XX/2020 and it didnt until XX/XX/2020. 

I have disputed with all 3 major credit agencies as well is US Dept of Education and the collection agency to no avail.

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 2020-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
On XX/XX/2020 I made my car payment of XXXX to Exeter Finance Corp On XX/XX/2020 they called and told me my car payment was past due and I had a balance of {$5300.00}. I asked why was my payment so high and they told me my loan was at the end of the agreement and that I had to pay the amount in full by XX/XX/XXXX. At the time I was trying to get my home and I knew that I could not afford to have another late payment. I had been doing so well. So I thought I could come up with the money I was running out of time. So I went to my bank XXXX XXXX XXXX XXXX on XX/XX/XXXX and asked about a loan. My banker talked to me about my options and she suggested I refinance. So that is what I did. On XX/XX/2020 XXXX  XXXX XXXX XXXX mailed out the check that same day. On XX/XX/2020 Exeter Finance Corp called me and asked about my payment. I let them know that a check was mailed to them by XXXX  XXXX XXXX XXXX. She asked me was it the full payment of XXXX and I said yes she said she was putting the notes on my account. On XX/XX/2020 I notice that on my XXXX  report my credit score had dropped 40 points and 60 on XXXX. I looked to see that Exeter finance had reported my account as a late. I called Exeter and asked could I speak to a manager and the guy asked what was the issue I told him that I had gotten my car refinanced and my check was submitted on XX/XX/2020 and they still reported my payment late. He told me that his manger wouldnt do anything because they didnt receive my payment until XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Aldridge, Pite, Haan, L.L.P. Purchased my debt from XXXX XXXX  on an account originally held by XXXX XXXX. I started communications with them in XX/XX/XXXX. I arranged with one of their representatives, XXXX XXXX, on XX/XX/XXXX and arranged to make a down payment of {$580.00} on XX/XX/XXXX, then monthly payments of {$220.00} on the XXXX of each month until the debt is satisfied. AHP, LLP has deducted the down payment and each monthly payment since that arrangement was made. I have not defaulted and am current on our arranged payment schedule. 

On XX/XX/XXXX I was served a civil action for the full amount originally due. The lawsuit was filed on XX/XX/XXXX, after I had arranged a payment plan. 

I have called AHP three times since I was served. I have left messages regarding the lawsuit. I was told by AHP, representative, XXXX XXXX, that XXXX XXXX has to contact me before they can do anything. That was on XX/XX/XXXX. It is now XX/XX/XXXX. 

I feel that AHP is harassing me and violating the Fair Debt Collection Act by arranging a settlement then suing me for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/2020 I submitted a letter to LexisNexis asking for a Method of Verification. In my letter i asked for documents or company information who is verifying a Bankruptcy claim on my report. The method of Verification was not fulfilled only with a letter stating verified no company information was provided. I then reached out to LexisNexis via phone and was told they are not aware who verified the bankruptcy claim. Due to they get information from several companies and now have to dispute this claim.In order to provide me with the company information. LexisNexis was giving 15 days to provide me with such information per compliance with the FCRA.

Company response to consumer: Closed with explanation