vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF XXXX XXXX {$120000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXXXXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX {$160.00} XX/XX/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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023, I sent a certified letter to Equifax Information Services, LLC asking them to correct inaccurate information on my credit report. The letter was accompanied by extensive and conclusive evidence that the debt in dispute was previously settled with the creditor. My letter and evidence was signed for and received by Equifax on XX/XX/2023. On XX/XX/2023, I received a letter from Equifax that their investigation was " complete ''. However, the inaccurate information was never corrected or removed from my Equifax report. 

According to the FCRA, " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. '' I have attached my original dispute letter with accompanying extensive and conclusive evidence, confirmation that my dispute letter was received by Equifax Information Services, LLC, and a copy of their response for your review.

After you review this information, please make sure Equifax Information Services, LLC adheres to the FCRA and corrects or removes the inaccurate information from my credit report. If they fail to do so, please inform them of my intent to sue in Federal Court to have the erroneous information reviewed. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank ignoring my pay out, a XXXX $ bonus for opening new checking .I being talking to 3 or 4 Us bank representatives over this situation and even ask them to see what is going on a my situation over the last 3 months. They did go over with me a bout this bonus and that I did satisfied all the conditions that required. 
They all tried the same method helping me by filling out a Missing Bonus on my behalf for the past 2 months and until now still empty promises with a forever silent treatment. 
This is a worst treatment I have never encountered in all my years of banking.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX XXXX XX/XX/2023 Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX this letter because I was recently going over my credit report and notice the account I had with your company is no longer showing on my credit report. I would like this account reinserted onto my credit file which is in fact accurate and should be reporting. Account # XXXX Ive left an attachment showing it was recently reporting but for some reason its not showing on my current credit file. Have a blessed day thank you.

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 2023-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Paycheck Solutions llc
State: TX

Complaint narrative:
I got a loan from Paycheck Solutions and I've been struggling to get them paid due to not getting all of my hours. I previously requested for them to stop calling my job because I was getting in trouble. The calls stopped for a few months and about 2 weeks ago, I got an email from another employee that someone from Paycheck Solutions had called wanting to speak with me. At that time, I sent an email advising them again to stop calling my job and I received a response that they would continue to call until the account was paid. I advised that if they called again to my place of employment, I would report them. I received 2 calls from them yesterday XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX  XXXX XXXX I attempted to advance to myself online {$50.00} from my HELOC account ending in XXXX that was opened on around XX/XX/XXXX. The amount of the line of credit was {$180000.00}. At the time of opening, I was informed I would be able to draw on this account up to that amount at my request for a minimum of 10 years. However, my attempt to advance myself on the referenced date was denied even though there was XXXX dollar balance on the account and XXXX money owed. A pop-up window instructed me to call XXXX. Looking at the information on my account I saw on XX/XX/XXXX " XXXX XXXX XXXX. '' I assumed I was being blocked from making advances and called the XXXX number to confirm. The first rep I got, XXXX, confirmed that I could not get an advance. I explained that I was just charged {$65.00} on XX/XX/XXXX for " LOC Annual Fee '' and told him if I was blocked from taking an advance then I demanded my {$65.00} Annual Fee returned and the account closed, since a new HELOC one can not draw on is worthless. And I was being charged for this worthless product. XXXX attempted to try to explain to me why this was the case and I cut him off and told him I didn't care the reason, just close the account and refund me. I called him a name, and he hung up the phone on me. I called back and this time got XXXX. She wouldn't give me her last name but did give me a company ID of XXXX. I told XXXX about my experience with XXXX and that I wanted a refund of the annual fee I had paid and to close the account. She put me on a brief hold and when she came back she told me I could only do this in writing but did not give me the address to send the written demand to. I asked her if there were any hidden charges I would incur. I asked her for a straightforward yes or no answer to a straightforward yes or no question. She hemmed and hawed and eventually said " I don't perceive any. '' I asked her to please answer yes, no or I don't know ( as I was short on time ) and she too then hung up the phone on me. I called back but got a message that the department was closed for the day. I want my {$65.00} returned, and this worthless HELOC closed. I spent about an hour dealing with this issue so I also want to get paid for my time. My rate is $ XXXX. That comes to a total of {$940.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to inaccurate information I saw on my credit file. I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to continual retaliation against me for filing a CFPB complaint against Experian. Inaccuracies on my report are being monetized by Experian against my will. Experian has admitted to defaming my name and is continually and daily committing this federal violation. Experian is sharing my nonpublic information with people didn't authorize. Experian is giving access to my social security number for monetary gain. Experian is conspiring to commit RICO violations and does so KNOWINGLY and WILLINGLY.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
I tried to cancel my XXXX account and could not get through to the merchant and sat on hold so I. Hanged my credit card number to stop them from charging it. Goldman Sachs let them charge it anyway for {$99.00} on XX/XX/XXXX for one year payment to XX/XX/XXXX. I contested the charge and the merchant cancelled the account and it remains in a cancelled status. Goldman then resolved the dispute in favor of the merchant even though the account is paid to XXXX yet now cancelled. Why am I paying for services cancelled by merchant. I have screenshots as of now showing there is not account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NM

Complaint narrative:
On XX/XX/23, I was charged a returned check fee for a payment made against my checking account despite having {$13000.00} in the account at the time. Despite a near universal courtesy policy of a one time exception, customer service refused to honor this request against the {$30.00} charged despite my account 's perfect standing. The only reason for this I surmised is because of a balance from a access check, a discriminatory treatment policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
This below is on my Credit report and I have never had an account with XXXX. I called to report to XXXX as fraud and they want a police report? I googled and started reading about reading about SEQUIUM collection adgency who now if looking for me to pay, and others have had false reports from XXXX placed on their credit report as well. This has effected my credit report. 

Overview You have 100 % left to pay on this collection. 

Balance {$4100.00} Highest Balance {$4100.00} Opened XXXX. XXXX, XXXX  ( XXXX XXXX ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX  Closed No Info See an error? 
SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

DISPUTE AT XXXX Creditor Information SEQUIUM ASSET SOLUTIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I hereby raise my formal complaint considering that I am one of the many consumers who were affected by the illegal practices of TOYOTA through the XXXX XXXX Toyota dealership located at XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX phones XXXX XXXX where they included in my budget for the purchase of my vehicle TOYOTA XXXX XXXX VIN NUMBER XXXX Additional products that were not mandatory even though they stated that they were necessary for the approval of the loan through Southeast Toyota Finance The additional products included in the quotes are : Road hazard tire wheel coverage for {$390.00} Mechanical failure service contract for {$1700.00} XXXX  {$690.00} Other aftermarket {$1000.00} Mvwtf battery and tires {$8.00} For a total of XXXX plus interest of 1.9 % per year which is {$74000.00} .5 x 5 years would be {$370.00} For a general total that should be reversed to me XXXX It is important to note that I am still paying the vehicle to TOyta since the loan is for 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC

Complaint narrative:
I've been trying to remove a bank abuse claim on my chexsystems that has made it extremely hard for me to have a bank account with any reputable bank. This account that they have on my report was a bank account that was made when I was a minor but never made those purchases that were listed on the account before that account was closed. During this time I was a victim of identity theft as I also have reports from this time where a credit card was made in my name when I was still a minor. I do need some help in having this removed from 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
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA ACCOUNT FOR {$46000.00} has been showing up on y credit report as CLOSED or CHARGED OFF. 
I have tried multiple times to dispute this charge, which is NOT MINE and have reported it as fraudulent and have provided police reports and documents to verify my identity to prove that this account was fraudulently opened under my name and have failed each time. This is not my account and XXXX  refuses to properly investigate this matter and it is ruining my credit. Please remove.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  XXXX XXXX ACCOUNT FOR {$46000.00} has been showing up on y credit report as CLOSED or CHARGED OFF. 
I have tried multiple times to dispute this charge, which is NOT MINE and have reported it as fraudulent and have provided police reports and documents to verify my identity to prove that this account was fraudulently opened under my name and have failed each time. This is not my account and experian refuses to properly investigate this matter and it is ruining my credit. Please remove.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX and XXXX are not my accounts. Also delete hard inquiries XXXX XXXX and XXXX XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I made a request about this account as FCRA says, and XXXX couldnt provide information about this 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 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IA

Complaint narrative:
Took out a XXXX XXXX  in XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Went on deferment was only making $ XXXX for 2 years, then started making payments. Thought the loan was completed and 25 years later XXXX receive notification I owe over {$59000.00} and was never notified after filing taxes for 25 plus years. I made payments {$400.00} for over 10 years Well over {$38000.00} and still owe {$25000.00}. 

The claim is I still owe over {$25000.00} and due to the loan resold and fees tacked on for {$1000.00} 's dozens of times. 

I dispute the validity of the loan after paying almost $ XXXX on the original $ XXXX loan. 

I have requested for years to have the loan disqualified and expunged, it has destroyed my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
This debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I receive two hard inquiries why Im at work from XXXX XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the servicer of my loan. They are impossible to reach. I've tried online numerous times and system won't let me log in. I've called ( & today find their system is down ), gone through their telephone prompting but am never given the opportunity to speak to a real person. They showed they took XXXX  out of my escrow account to pay my insurance weeks ago. But my insurance was due on XX/XX/23. I've contacted my insurance company to see if they received the payment and they have not. Today Lakeview 's automated system tells me they issued a payment to my insurance company on XX/XX/23 ( 2 days after the due date ). This means my insurance company started cancellation proceedings. Last year Lakeview tried to pay the wrong insurance company ( one which I never had an insurance policy ). It took a long while to get this corrected. Today I paid my policy so it wouldn't be cancelled. I want Lakeview to transfer my loan servicing to a reputable loan servicer or allow me to drop the reserve account ( at no cost to me ). I was in the mortgage business for 35 years and have dealt with numerous loan servicers both professionally and personally. Lakeview is the absolute WORST!!!

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dont give into scams they might be a real person but instead are trying to get money from you

Company response to consumer: Closed with explanation