vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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: GA

Complaint narrative:
As an XXXX  employee I was directly affected by COVID and struggled to make my mortgage payments so I asked XXXX XXXX  about the best option available which would not affect my credit rating. I went into a trial modification period paying a the reduced amount they told me from XXXX 2020. I paid it on-time and in-full. I was told nothing would be reported to credit bureaus during this time. At the end they modified my loan with a government product loan. THEN.months later they reported me 4 months late!! 

I thought the CARES Act protected me? Were laws not implemented that mortgage companies werent allowed to report you negatively if going through one of the programs they offered due to you being affected by COVID?

Ive disputed it with the 3 credit reporting agencies and XXXX, who basically said I should have paid more attention because it was in the fine print and too bad I signed on the dotted line. But I feel hoodwinked. Im not a lawyer. I trusted I was doing the right honest and ethical thing and they were too. 

Now, because of them, I was denied a ParentPlus federal loan for my XXXX college. My credit score is so low I couldnt even get a new cel phone plan. No one will approve me for anything and Im never late with credit card payments or anything! This is the 7th home Ive owned and all been sold/closed in excellent standing. 

XXXX XXXX is a predator. They took advantage of my good faith.

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 2022-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NM

Complaint narrative:
For the last ten years I have been trying to get US Bank to approve a loan modification for me to sell my house in a short sale. I have had an offer on the home and they have made this the most difficult process/time of my life. I got a divorce in 2011 and my ex husband was difficult and did not want to sign the documentation needed for me to do so. I was told by mu realtor to have him sign a quit claim deed which he did so that I can go forward with the shortsale process. I have applied multiple times and every time my realtor sends over everything so we can close this and finalize the short sale they say they are missing something or they didnt receive everything and they close it. I have done this countless times. I need to get this taken care of as it has caused a major rift in my life and I am just trying to get the short sale done so I can go about my life. I was in a difficult time in my life and feel behind therefore leading me to become delinquent. I was told by my realtor to file a formal complaint against US Bank. Please advise.

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 2022-04-20 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: CA

Complaint narrative:
Hello There are fraudulent accounts on all 3 of my credit reports and some items were deleted and some were not. I went to my local police station and explained to the officers that my identity has been compromised and as a results I have several accounts that are being reported that aren't mine. I have disputed again and again with the bureaus and all they keep doing is " updating '' the accounts. I do not believe I have been given a fair investigation from them. 

I need a fair investigation into the accounts I have mentioned in my letters which I will attach to this complaint along with the FTC report and police report. 

I hope something can be done before I am forced to retain a lawyer. 

Thank you XXXX 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 non-monetary relief
Consumer complaint received 2022-04-20 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: CA

Complaint narrative:
Hello There are fraudulent accounts on all 3 of my credit reports and some items were deleted and some were not. I went to my local police station and explained to the officers that my identity has been compromised and as a results I have several accounts that are being reported that aren't mine. I have disputed again and again with the bureaus and all they keep doing is " updating '' the accounts. I do not believe I have been given a fair investigation from them. 

I need a fair investigation into the accounts I have mentioned in my letters which I will attach to this complaint along with the FTC report and police report. 

I hope something can be done before I am forced to retain a lawyer. 

Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. 

Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # Reference # : XXXX / Public Records Bankruptcy Account # Reference # : XXXX Public Records Bankruptcy 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went on the XXXX XXXX website to look for other card options, they told me I could look at the cards and a soft pull not inquiry, the inquiry was there showing hard credit pull, but I didn't apply. 
These are bait and switch opportunities for the company and it affected my credit scores, I have a copy of that with experian. 
credit scores are affected now by BLINKING so these private companies can make money off 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 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: ID

Complaint narrative:
We have been trying to settle the Estate of XXXX  with XXXX XXXX XXXX ( Texas ) XXXX XXXX XXXX XXXX XXXX Texas XXXX Loan # XXXX. The party listed on the loan XXXX is deceased as of XX/XX/XXXX, I XXXX  am the personal representative for the estate. I have made several calls and emails to be added to the account so that I can enter a forbearance agreement with said company and am told every time that they can not talk with me. Today I spoke with XXXX XXXX XXXX ext XXXX and was told the same thing. I live in the mountains and must travel 2 hours each way to attempt contact with them. I have hired a realtor to list the home for sale on XX/XX/XXXX but still have no info on the home or the loan. They have received everything they have requested multiple times with no resolution only that they can not speak with me and no one in the specialty department can speak on the phone. I need assistance to get this matter resolved as soon as possible. This company has been the worst I have ever had to deal with. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX {$180.00} refuse to refund my money after these unauthorized XXXX transactions on my account. Very bad unfair deceptive business practices claim # XXXX 15 U.S. Code 1693g - Consumer liability 18 U.S. Code 1030 - Fraud and related activity in connection with computers 4-214. RIGHT OF CHARGE-BACK OR REFUND ; LIABILITY OF COLLECTING BANK ; RETURN OF ITEM. 
XXXX. REFUND OF PAYMENT AND DUTY OF CUSTOMER TO REPORT WITH RESPECT TO UNAUTHORIZED PAYMENT ORDER. 
26 U.S.C. 6402 - Authority to make credits or refunds 4-302. PAYOR BANK 's RESPONSIBILITY FOR LATE RETURN OF ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
There are several accounts being report it on my credit report. I do not know any of these companies. I have never done businesses with any of them. These collections companies do not have a contact with my signature.

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 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
In XX/XX/XXXX I moved into The XXXX XXXX XXXX XXXX in XXXX, TX ( now known as XXXX  ) where I resided for XXXX XXXX years. There was an exchange of emails between the manager and I where he confirmed that hed be using my email confirmation as my 60 days notice. Prior to me moving out, I went into the office and spoke with the manager who confirmed that hed accept the written notice and no additional balance would be owed. I then down the line received a hefty collection bill due to no 60 days notice being given, which was then reported on my credit report. I have gone to the office to speak with management and over the phone multiple times. Most recently XX/XX/XXXX Ive contacted the property via phone and she advised me that nothing can be done as the property has switched management, the manager, the previous files are no longer available, and they can not confirm whether or not my complaint is accurate. I have disputed this collection a couple of times ( XX/XX/XXXX & XX/XX/XXXX ) with the credit bureau who wrongly confirms that this debt is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB team, My name is XXXX XXXX. 
I have been JP Morgan Chase customer since XXXX. 
I have XXXX checking accounts, XXXX credit cards and XXXX business accounts with chase. 
Accounts ending at : XXXX XXXX XXXX XXXX Today i received a notice that they are going to close all my accounts by XX/XX/XXXX. 
I called Chase customer service and they did not give any explanation about this, as they said this was just a " business decision ''. 
I run XXXX XXXX shop in XXXX XXXX, CA and XXXX XXXX, i receive daily deposits, checks and cash deposits. All my auto pays are connected to those accounts. 
Please help me to leave my accounts open, Chase does not help me at all My contact # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I received second notice that my XXXX tax bill had not been paid through my escrow account. Amount due : {$8300.00}. 
I called my loan servicing company ( Community Loan Servicing ) and was advised the issue should be resolved in XXXX business days. ( I do not recall the date I called to speak with them ). 
About XXXX weeks later I called to follow-up to make sue the bill had been paid and was advised it had not and that I would need to work with a XXXX XXXX. 
I sent the XXXX XXXX ( an employee of Community Loan Servicing ) the 2nd notice I had received through email on XX/XX/22. 
I called today ( XX/XX/22 ) to ensure it had been taken care of and was advised the bill has still not been paid and that they are working with their XXXX  department ( who I am not allowed to speak with ) to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Since moving to XXXX I have not been able to login to my Chase account without changing the password which lasts a few hours. On XX/XX/XXXX I spoke to a Chase customer service rep requesting that my checking account be closed. At the time I had a negative balance of {$2.00}. I was told once I created a zero balance the account would be closed so I XXXX XXXX the {$2.00} to the account on XX/XX/XXXX and it was accepted. Yesterday I received an email telling me my checking account was overdrawn by {$15.00}, which is an automatic debit for a credit card debt, so the account had not been closed. I called both yesterday and today to have the account closed as was promised, offering to pay the {$15.00} by XXXX. I was told each time by both a customer service rep and a supervisor that the account could ONLY be closed at a branch. I explained that I now lived in XXXX and there were no branches of Chase here in XXXX, XXXX. I was told that nothing could be done until I went to a branch bank in the United States to close the account. I've wasted a good XXXX or XXXX hours without any resolution for a {$15.00} debit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Company is reporting a lawful payment as a charge off.. this is a billing error. 
Company has not forwarded the title to the property. 
Company reporting account was closed/charge off, bad debt.. 
Company is not properly applying lawful payments.

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX payments never late has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX payments never late has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-20 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: LA

Complaint narrative:
This account from World Finance is currently reporting negatively on my XXXX and XXXX Credit Reports. I reported this for Identity theft on XX/XX/2021. 

Under XXXX XXXX Code XXXX permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? NO I did not give them ANY PERMISSION Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include -- - ( A ) Subject to section XXXX of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above from my consumer report, this agency is in violation ... ... ... ... of XXXX XXXX XXXX. 

I will be seeking damages against XXXX and XXXX in the amount of {$1000.00} per violation for : XXXX. Defamation of Character ( XXXX  XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act XXXX XXXX XXXX violations for willful XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]

Company response to consumer: Closed with explanation