vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am not getting responses from the credit bureaus for the following accounts I disputed several times : XXXXXXXXXXXX  Account # : XXXX XXXX Account # : XXXX | XXXX  XXXX  XXXX  Account # : XXXX | XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It has been more than 60 days and I haven't received any written results from credit bureaus regarding my dispute for these accounts : XXXX XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX Account # XXXX XXXX | XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It has been more than 60 days and I haven't received any written results from credit bureaus regarding my dispute for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX Account # XXXX XXXX | XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted several dispute for the following accounts but I haven't been notified with the result to my mail : XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX Account # s : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TX

Complaint narrative:
On XXXX XXXX, I received a letter consumer number : XXXX Lexis Nexis through Consumer Financial Protection Bureau Portal CFPB Case # XXXX, stating that the Bankruptcy was not on my report. I also pull the report Lexis Nexis report on XXXX XXXX that they sent, Consumer Number : XXXX case # XXXX report with a bankruptcy not listed. I was told by a representative XXXX from Lexis Nexis on XXXX XXXX XXXX CST stating that I was incorrect with the records I have because it was still listed in there unverified system that the file was not removed. I am requesting from Lexis Nexis to provided how the information was verified. Lexis Nexis also provided unverified formation to 3rd parties and won't provided details who provide these details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NJ

Complaint narrative:
I am XXXX XXXX, and I am the author and owner of the account listed within this complaint. 

This is not a duplicate. 

This complaint is based on a Tradeline reporting on my credit report, from the Original Creditor - XXXX XXXX. This account, was opened in XXXX, and closed in XXXX. 

It is still appearing on my Equifax report. A dispute was filed with Equifax directly, but it remains. 

XXXX  XXXX - is still sending the Tradeline, with a Last Reported date of XX/XX/XXXX in my screen shots from XXXX, and my equifax.com. 

The general rule for retention is - at maximum, this alleged positive account - will remain on file for 10 years. 

Its been almost 14. 

Additionally, and even though this account is closed - this tradeline is being reported as - 1. Elements of an OPEN ( not closed ) Account 2. Having Available Credit = XXXX 3. Credit Limit of XXXX 4. NO PAY HISTORY - no CLS, Pay Rating Please delete this aged out account, that is reported inaccurately to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MO

Complaint narrative:
Due to the Covid-19 Pandemic, I had to file Chapter XXXX Bankruptcy in XX/XX/XXXX. I have an FHA loan. At that time my homeowners insurance was renewed. This made my payment increase $ XXXX a month. I called the mortgage company to get the homeowners insurance removed from my escrow account. Arrangements had been made with my insurance company to bundle auto and homeowner 's insurance together, whereas I would get a discount. I called my mortgage company several times and made numerous requests to have the homeowner 's insurance removed from my escrow account. Finally, about a month ago I was told I had to submit my request in writing. On XX/XX/XXXX, I submitted my request in writing. Today, XXXX XXXX, I called the mortgage company only to be told that I could not remove my homeowners insurance from my escrow account because FHA loans require this. 
Meanwhile, never during any of these phone calls did anyone let me know that I had missed a mortgage payment. ( 2 actually ). For some reason if you are in a bankruptcy, you are not afforded the same notifications as other homeowners. I can not access my online account because I am in a bankruptcy, nor can I make a payment though my online account due to the bankruptcy. 
Then on XXXX XXXX, I receive an email ( 2 days later an actual letter ), from my bankruptcy attorney, stating the mortgage company is requesting a Motion of Relief due to being 2 months behind in my mortgage payment. The first payment that was missed was in XX/XX/XXXX. I was never notified or told. Meanwhile, I am being billed for the new payment amount for the homeowner 's insurance and no one is telling me I can't get it removed from my escrow account. It seems that if you are in a bankruptcy you have to do everything and they don't have to give you any type of information. They constantly sent me to the wrong department, no one there knows what they are doing. 
I am in a bankruptcy for the arrears, but am still responsible for the remainder of the loan. 
Most dangerous of all is, I could lose my house due to there incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TX

Complaint narrative:
I spoke with Transunion represenative who refused to remove these inaccurate Hard Inquires from my credit report..I was even transferred to the fraud dept and I informed them that these are not my inquiries and they did not seem to care.. XXXX  has already removed these inquires from my credit report ... 
The following inquiries that should not be on my report are I did not authorize 1. XXXX  XXXX  XXXX XXXX 2. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NJ

Complaint narrative:
I am XXXX XXXX, and I am the author of this complaint. 

The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you - Equifax, may require. 

The issue - 1. My Physical Home Address continues to be updated at Equifax  2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX - is not, my current address 3. This has been disputed to Equifax - and on numerous occasions 4. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data 6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax 7. Access to my own credit data is prevented when it does not match 8. I have NOT caused an inquiry to EQ, with any data 9. Applications for credit - where mismatch occurs, may also be impacted XXXX. The Last Reported Date, for the Address in XXXX NJ - you EQ - store, is XX/XX/2021. 
11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 4.5 years, to update my contact information. 

The impact to me is devastating. 

Communications, and the like, validation of who I am - is impacted by this fraudulent data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: VA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have sent a dispute last month and never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had earned points on a credit card and when I closed account, the representative said they would transfer the points. The points were never transferred and when I spoke to representative they said request was denied as once points have been removed there they will not be given back. They also said that I can not speak to the team who denied the request and that I can call back to speak to general customer service which would be pointless. The amount of points is large as it is approximately {$1800.00} in terms of dollars when converted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am not getting responses from the credit bureaus for the following accounts I disputed several times : XXXX Account # : XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am not getting responses from the credit bureaus for the following accounts I disputed several times : XXXX  Account # : XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: AES/PHEAA
State: NC

Complaint narrative:
Hi i was taking at look at my credit report and i notice Fedloan servicing which is the company thats on my credit report was open back in XXXX and it has passed the which legal expiration date of 7 years ... i notice that they are re-aging the last activity which is a violation and causes damages to my report i will like for these outdated student loans to be removed ... i have requested this numerous times with the bureaus but no response ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had been using chime for years. I had moved back to Michigan after my nephew was XXXX  he ended up passing away. At the time my husband was truck driving and i was doing XXXX XXXX and XXXX XXXX. The pandemic hit I lost my job a few months later I received unemployment.. The problem started when my account got frozen. I just received my taxes and next thing you know it's locked..They told me I needed to send proof for my taxes. I sent 1099s, my XXXX award letter, an old bill with my address on it. My actual taxes, selfie with ID, etc ... I sent everything they needed they still closed my account with no explanation just a bunch of automated emails. I just want my taxes returned. I had over XXXX in my account and they sent me a check with XXXX on it ... I seen they have done it to many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got these accounts that are not mine and i want them to be deleted from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 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: Avant Holding Company, Inc.
State: VA

Complaint narrative:
The Credit Card Company is Avant, my name is XXXX XXXX I have noticed on my statements I have been charged XXXX to XXXX interest each month on a XXXX balance. The company says there is no monthly fees, my billing date is the XXXX of each month. I paid in ful my previous balance on XXXX of XXXX. But I'm still being charged interest on that balance enough it has been paid before the due date. As of today XX/XX/2021 I paid the interest balance and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MI

Complaint narrative:
I sent in my employment certification form to get update count of eligible payments for my pslf back in XXXX. They sent me a response back in XXXX stating I was missing a signature which I wasn't. So I sent the form back again. I have called multiple times to see when it will be processed. They keep telling me that there is a delay and things are taking much longer. However, it is now XXXX so 6 months later I do not have an updated count. I worked for the federal government so I know the payments count. I would like an accurate count. I also need them to do a manual count of payments because there is some they missed in XX/XX/XXXX, XXXX to XX/XX/XXXX. Also for XX/XX/XXXX I paid a payment XX/XX/XXXX so they aren't counting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 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: IL

Complaint narrative:
The School, XXXX XXXX Financial Aid Office, knew I had a complaint through studentaid.gov ombudsman and OCR. They did not want to give me my aid so they ignored my priority enrollment status and enrolled me in a late session, then they switched my classes without my permission to late courses that were bogus in nature. Then they submitted paperwork to XXXX and The Ombudsman that stated they gave me my aid when they were lying to them in the paperwork. They closed the cases and the SAME day they then reduced the loan after they claimed it was given to me, then did a 2nd credit check that was completely illegal to lower my score by 24 points in an attempt to deny me the loan, then claimed they were then giving it back after I reopened the case the next day. I still have not received the {$3000.00}. I received and approval and DISCLOSURE for. They did a fraudulent credit check that ruined my XXXXredit score. 

Experian did not report that XXXX did this to my credit when they did. They sent me a message saying I had a new score but refused to tell me WHO did it cause it was fraud on behalf of the school. I reached out them and asked them to fix my score and have not heard anything. Experian knew inquiries were supposed to fall off my report this month thereby increasing my score, regent illegally inquired about my score after already doing it this year and Experian did not report their fraud and lowered my score illegally and discriminately and never gave me my points for the other inquires that fell off this month of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: AL

Complaint narrative:
This is a complaint for timeshare company XXXX. We spoke with one of their employees who claimed to not work on commission. Unfortunately I can't remember the name. They told us that we're actually making a good financial investment since we will be getting rental income - that is if we enroll in another program which we'll also have to pay for. We were lured into this when they also promised that we'll never have to pay maintenance fees again. They said the resale value would go up & it have some tax benefits similar to owning a 2nd home. Another predatory sales tactics they've used on us is telling us that is we went to quarterly " meetings '' and/or had friends/family members go to introduction meetings, it would actually take money off our maintenance fees. They also made it sound like we were given the privelege of having this special offer because they needed get a higher approval to give us the price offered. We were pressured & rushed saying it's our last chance to upgrade at the lowest price. They didn't even let us read the contract. We were defrauded by this timeshare company, they promised us things would positively different each time things got worse. We're really regretful of the decision in getting into this that obviously just gave us difficulties. This fraudulent account is being reported in my credit records and is hurting my financial stability.

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