vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 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: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 35 days is a reason to remove those things off my credit report immediately. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
While I was on my XXXX XXXX Account on XX/XX/2021, I noticed that my credit score was dropping. In checking to see the reason why my credit score was dropping I found that there is a collection on credit report from XXXX XXXX XXXX. 

Account Number : XXXX Original Creditor : XXXX  XXXX XXXX, XXXX. 
Current owner : XXXX XXXX XXXX XXXX ID : XXXX Balance : {$1000.00} Accountholder Name : XXXX XXXX This account was fraudulently opened in my name without my knowledge. On XX/XX/2021, I filed a police report with my local law enforcement agency, and notified XXXX, XXXX, and XXXX  of Identity Theft. I have also reached out to the collection agency, and completed and returned to them a Identity thef affidavit with a copy of my police report, police report case number : XXXX with the XXXX XXXX Police Department ORI Number : XXXX. Reporting Police Officer : XXXX, Badge No. XXXX. 

I have reached out to XXXX XXXX XXXX, and was directed back to the Collections Agency. I have since purchased XXXX XXXX, and placed a Freeze on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.

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 2021-06-14 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: LA

Complaint narrative:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 45 days, so they should be erased immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: IL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, I noticed the IRS deposited funds into my account that belonged to someone else. I alerted Synchrony bank and they put a restriction on my account. When I talked to my tax preparer about the issue, she realized that it was one of her clients ' tax refund. I don't know how this money got into my account It was a transaction for {$540.00} tax refund and {$2800.00} stimulus money. The lady, that the money belongs to, requested that I send the money to her instead of letting it go back to the IRS. When I requested the banker to send the money from my account, that is when he initiated a restriction because he thought that someone else had access to my account. We even went through verification including security questions and text verification. Now since Synchrony Bank restricted the account, the tax preparer wrote two checks to her client with the reimbursement of those amounts. I called the bank numerous times about this issue and they won't tell me nothing. They told me on XX/XX/XXXX, that it will take 30 to 60 days to investigate. I've been calling repeatedly over the last 3 months now. It's going on 90 days since this has happen. I've lost my apartment, my car, and behind on bills because this is my savings account that they restricted. I am on unemployment since last year because of the pandemic. My unemployment money and stimulus money is in that account. They sent back my tax refund to the IRS. I've lost everything due to this error and they are refusing to do their job. I told them plenty of times to just send the money back to the IRS. The supervisors that I've spoken with, never contacted me back about this issue after they stated that they will call back. I've sent them proof of the checks that the tax preparer wrote this client. I don't know who fault it is but all I know is that I have no access to my money in my account. I have many questions. 

Why did Synchrony bank accepted fund from the IRS that clearly didn't suppose to go into my account? I can see where every transaction comes from. That's how I knew that it wasn't mine. That's negligence on their behalf, not mine. 

Why haven't the money been sent back to the IRS? It's XX/XX/2021. I notified them on XX/XX/2021. This money is still sitting in my account. It doesn't take 90 days for them to investigate. They just don't know what to do about it and keeping my account on locked. 

How is it that they deposited someone else money into my account but my own money can't go into that account. This is my account. I am the only name listed on it so why did this happened? 

I'm annoyed and disappointed with Synchrony. I want this issue resolve immediately. I am tired of calling and chatting about the same issue. They had more than enough time.

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 2021-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: MD

Complaint narrative:
Will I was hit with a 30 day late payment that was Inaccurate and false I was never aware or no phone call or Letter sent out to me about this 30 day late payment. I talk to some on XX/XX/2021 Name XXXX from Customer for help to get this removed from credit report she was no Help at all I let here know i was Effective bye COVID -19 And did No I had a 30 day pass do payment. This has put me in a hardship on my credit report this False and Miss Leading or Fraudulent Reporting on my credit Report. The amount that was past do was XXXX and its all paid up. Also there Payment policies miss leading and miss guiding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Original creditor : XXXX XXXX XXXX, amount {$800.00}. This company has been attempting to collect on a debt that is not mine. They have sold my information to two Debt collectors within one year and because of this illegal acts, they are damaging my credit report! The new company that is now damaging my credit report with all XXXX bureaus is : Phoenix Financial Servic, XXXX XXXX XXXX XXXX, XXXX, IN XXXX. Debt amount {$800.00}. 
This company in business with XXXX XXXX XXXX is ILLEGALLY trading my information on a debt that is not mine!! And as a result of there illegal acts are destroying my credit report with XXXX, XXXX, and XXXX. Because of these predatory, illegal acts I am unable to be approved for anything due to the damage they are causing to my report. I want this deleted immediately and indefinitely from my report with all 3 bureaus, XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SLM CORPORATION
State: NY

Complaint narrative:
This company keeps sending me monthly emails Pre approvals to apply for their credit card Ive applied and they still havent got back to me this is ridiculous when they shouldve approved me by now my credit is in good shape for this to be happening to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: NRA Group, LLC
State: NY

Complaint narrative:
NATL RECOVERY XXXX is being reported to all 3 major credit bureaus. This acount is fraudulent and wasnt openend nor utilized by me. Please note an attached Federa Trade Comission report and remove this from my credit.

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 2021-06-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Prior to COVID 19, I was offering my mortgage company to bring my mortgage current, that was deliquent during my XXXX following the death  of my son, they refused to take the payment, stating that they are reviewing my offer. I was working with a mortgage counsellor from HOPE in XXXX Maryland. while waiting for their review COVID happened in XX/XX/XXXX. My job was to go XXXX XXXX  and XXXX XXXX XXXX and assess XXXX XXXX XXXX XXXX. 
Obviously COVID impacted that community more than any other community, I then contacted my mortgage company about the hardship and loss of income, they agreed to place the account in forbearance. In XXXX they wrote me a letter that the forbearance has closed and requested that I show proof of hardship, I sent them the documents and repeated the offer to bring the account current prior to COVID. Once again they refused and sent a letter that they will like to review it. Meanwhile payment was taken in XXXX and XX/XX/XXXX, then in XX/XX/XXXX they turned down payment, stating that they will be going to foreclosure. 
Now they are requesting that all the past due amount prior to COVID and during COVID should be paid in full. When I informed them that they had approved the forbearance period, they do not care if there was lost of income that period, they just want it paid in full or they will foreclose the house. They then increased my interest rate to 4 %, which is very high compared to current mortgage rates All attempt to talk to them has proved futile, they insisted that I have to pay all total amount. Every attempt to remind them that forbearance was requested due to hardship was ignored. I am scared and worried that I might lose my house if nothing is done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: LA

Complaint narrative:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 45 days, so they should be erased immediately.

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 2021-06-14 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:
not mine fcra : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-06-14 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: TX

Complaint narrative:
not mine fcra : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: PA

Complaint narrative:
Hello my name is XXXX XXXX I am writing to delete the following information in my file. I am in the process of buying a house and 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 that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Company is not appropriately issuing a credit for a disputed, possibly fraudulent item, contrary to assurances given to me by the firm 's customer service representatives. In the absence of merchant documentation, a fair arbitration of this dispute would demand such a credit. 

I have concerns therefore that Chase is not complying with the Fair Credit Billing Act, as it relates to my rights to a fair, equitable, and timely dispute process. 

Please see my detailed letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Months ago I have requested a RESPA on this now obsolete mortgage account and still gotten no response this is a RESPA violation and needs response!! which I am informed for each of these negligent activities by Chase is a {XXXX} fine. This is in fact an obsolete mortgage and yet this company continues to send me paper statements via postal mail. 

This billing needs to stop! as well as my RESPA request for documents needs to be filled by Chase. please see attached this still has not been answered a direct violation of my RESPA rights. This was dated XXXX XXXX, 2021 within this attachment. See page 5 of this attachment for the RESPA request. Still not fullfilled!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute on their website on XX/XX/21 for my bankruptcy that got discharged but was still showing as open on my credit report. I got an email on XX/XX/21 saying that the information on my credit report was accurate, when I know for a fact that it is not. I called the company and they said they called and confirmed with the bankruptcy, and that it is still showing as active. They gave me the number and I called and recorded the information that said it was in fact discharged. At this point I don't know what else to do, I just want this showing correctly on my credit 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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following companies Transunion and XXXX  continue to list a bankruptcy on my credit report. I have contacted both of these companies by phone fax and certified mail. I have contacted then in XXXX, XXXX, XXXX and now XXXX. I have contacted the US Bankruptcy court and they report they did not share this information or nor would they. Where dis this derogatory reports come from? I haven't been able to obtain employment due to this? I have been denied credit due to this. 

This information is incorrect and inaccurate and I would like it to be reinvestigated and removed. 

I also called both agencies this morning without any success. It's still being reported on my credit report as of this morning!

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