vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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:
Hi I am submitting this XXXX T 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 n 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 .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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: FL

Complaint narrative:
Receive information on my credit report pertaining to medical collections owed of {$220.00}. I'm not aware of going to an urgent nor did I got to a doctors office. 

Original creditor XXXX XXXX XXXX  Collections - FINANCIAL DATA SYSTEM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: NJ

Complaint narrative:
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to Experian disputing 3 accounts as fraud on ( XX/XX/2022 ) via the online CFPB consumer complaint portal. I received notice via thia same CFPB portal that Experian received the dispute letter on ( XX/XX/2022 ). It is now ( XX/XX/2022 ) and I have not received a response from Experian. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Experian have 30 days to investigate disputes. If Experian can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. Experian must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

There is no trilateral contract in place between me, discover, and Experian that states that I have authorized Experian to furnish this information on behalf of XXXX. XXXX has yet to provide well after 30 days an original instrument of indebtness and neither has Experian after multiple investigations and reinvestigations of the disputed debt. This is FRAUD!

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 2022-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I made a payment on XX/XX/XXXX of this year to westlake financial, and they subtracted the same amount on the XXXX of the same month as there was a scheduled payment when I do not have a self-payment or scheduled payments with them, I have called them since that day to return the money and it was not like that, I even told them they will take it as payment for the month of XXXX and they have not done it and they are charging me daily default interest for course delay, they do not want to solve this situation and that brought me consequences with rent payment.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: SECURITY FINANCE CORP
State: VA

Complaint narrative:
On XX/XX/2022 I had a dealership send out multiple inquiries to different financial institutions. I did not fill out an application, nor did I give permission for my credit to be ran. There was no vehicle that I had applied for at that time. I had visited XXXX  XXXX on XX/XX/2022 and had the finance representative falsify my credit application and forge my signature on the contract. I wrote a letter and mailed it on XX/XX/2022 to different financial institutions and included their letter they sent me declining me for a loan that I didn't even apply for. In this letter I sent, I wrote in bold letters, " I am officially requesting a copy of my specific decline reason ( s ). I am officially disputing my credit application. '' On XX/XX/2022 I received a letter from XXXX XXXX at Security Finance Customer Relations & Consumer Disputes on behalf of Professional Financial Services of VA LLC stating " Since the inquiry was made during the loan process, the inquiry is permissible and should not be removed. '' I left XXXX XXXX a voicemail to return my call. She called me back on XX/XX/2022 and I told her that what she said in the letter was not accurate and I asked where she got her information. She could not tell me where she got her information from. I told her that I did not submit that application and they should have investigated my dispute before dismissing it. I also asked her why I hadn't received my letter with my specific decline reasons and she had no idea what I was talking about. I told her multiple times that I requested to have a copy of my decline reason ( s ) so I could further dispute it. She told me they already sent me the letter saying I was declined. I had to argue with her and tell her she legally is obligated to send me an Adverse Action Letter based off the Fair Credit Reporting Act. I told her I am a manager at a bank and am well aware of the Regulations we have to follow and what my rights are as a consumer. Once I said that, she placed me on hold and came back and said she would send it to me. If I hadn't told her that I knew my rights and named the regulation, she would have continued to refuse my request. How many other people has she turned away that has asked for that.

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 2022-03-22 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: AES/PHEAA
State: OH

Complaint narrative:
I was contacted by a dunning notice soliciting collection of {$120000.00} from Fed Loan Servicing on XX/XX/2021 that I owe a debt. After responding with a direct dispute on XX/XX/2021, they began reporting negative and defaming information on my credit reports around XX/XX/2021. I have been denied credit and my credit worthiness has been compromised. I do not agree with the accuracy and integrity of the information. I have research the CFPB Website and found that : 12 CFR 1022.41 ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 d ( 1 ) ( 2 ) ( 3 ) ( 1 ) i Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
The collection for an auto loan that I had was originally with Presolve Legal Group. They filed a judgment against and we went to court on XX/XX/XXXX. I was able to make payment arrangements with them and have kept to the terms agreed upon since XX/XX/XXXX. I called XX/XX/XXXX to get a copy of the payment terms that we agreed upon so that it could be reported on my credit report accurately and they informed me the debt is now with XXXX XXXX XXXX. However, the debt is still be reporting to the credit bureaus by Presolve. I have attempted to get XXXX XXXX XXXX to provide the correct payment terms and balance and they keep telling me they do not have it. I have called Presolve to get it and they keep telling me that XXXX has the debt now. 

I just want to have the debt reported correctly on my credit, with the balance reported accurately and the correct terms reflecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC
State: MD

Complaint narrative:
I sent a debt verification letter via certified mail on or about XX/XX/XXXX. Elevate Recoveries received and acknowledged said letter on XX/XX/XXXX. It has been 30 days and I have not received and communication in regard to the debt being verified. I would like to request a debt deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband and I went into Chase bank located off XXXX XXXX XXXX in XXXX, Texas and opened a business account. This is the account the bank rep instructed us to get due to the amount of deposits we would be making. We had a live Chase check totaling {$15000.00} from my husbands place of business. They cashed and deposited those funds that day, XX/XX/XXXX at XXXX. We were told our funds would be released by XX/XX/XXXX at the latest. On Monday, XX/XX/XXXX our entire account was restricted. My husband was told they needed his social to verify the account. He was at Chase Bank on XX/XX/XXXX - XX/XX/XXXX for XXXX hours each day trying to work this out. He was told there was no social verification needed. They needed him to verify the origination of the check. He brought in the company CEO and Manager from his job and got that taken care of. My husband requested the account to be closed and a check to be issued. They would not complete this on the spot. They said they put in for the account closure and he should receive a cashiers check within XXXX business days. On XX/XX/XXXX my husband called to verify this had been done and if they issued the check, as we had not received it. The customer service rep stated no request was submitted and our account was currently active and restricted. Today, XX/XX/XXXX, he went into the same Chase Branch and got a different story of what he needed to do from 2 different people. The branch manager would not come out of her office to handle this even though he requested her assistance. He finally stated his wife needed the branch managers name and the district managers names as she would be filing a CFPB Complaint as this is no way to conduct business, and XXXX XXXX came out to help him. She is the branch manager. This issue was still not resolved. XXXX  stated she would 'dig deeper and get everything reversed '. My husband walked out with no cashiers check, no active/unrestricted account and our funds are in Limbo with this bank. We verified and brought in every single piece of personal identification requested, we still do not have access to our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: OH

Complaint narrative:
I have sent several dispute personal information update letters to all three credit bearues in the. The only address that is correct XXXX XXXX XXXX XXXX XXXX XXXX. OH XXXX and phone number XXXX. I no longer work at XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent several dispute personal information update letters to all three credit bearues in the. The only address that is correct XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and phone number XXXX. I no longer work at XXXX as well.

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I received a promotional offer for a XXXX XXXX through my Care credit card on XX/XX/XXXX. I purchase the treadmill through this offer on XX/XX/XXXX. I never received a confirmation or anything from XXXX confirming the order. In XXXX I received a called from the shipping company to deliver the treadmill. I received the treadmill on or about the end of XXXX of XXXX. The treadmill was assembled properly but the handheld speed and incline did not work. I called XXXX numerous time but was left on hold for more than an hour so I decided to send emails and just got auto-replies with no call back. I decided to call care credit to get this issue resolved on XX/XX/XXXX. Care Credit sent me the decision about 3 weeks later advising it's under warranty and to call the merchant. I tried the merchant again. I just got the same thing, left on hold and not responding to emails. I called Care Credit again on XX/XX/XXXX to advise I can not get in contact with the merchant so they put the transaction back in dispute again. Care Credit again sent the same response to get in touch with the merchant. I'm unable to get in touch with the merchant to get this issued resolved and Care Credit is not really helping me to resolve the issue.

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 2022-03-22 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: Manhattan Beach Venture, LLC
State: IL

Complaint narrative:
The amount alleged owed {$7500.00}, on XX/XX/2014. I have contact and told this company this account is not mine and never has been. I asked them to send me proof that the account is mine with signature and they did not send me a response back very rude. I sent XXXX letters to them asking for removal of unauthorized account

Company response to consumer: Untimely response
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: FL

Complaint narrative:
Charged a monthly fee of {$7.00} for paying online. Found out this was illegal. This was through Plaza Home Mortgage ( PHH )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Our property taxes were due by XX/XX/XXXX. Loan Depot paid a portion of the taxes in XXXX but did not pay the total amount which made us delinquent on our taxes for XXXX tax year. We were contacted by the XXXX XXXX of the shortage and that we still owed {$7500.00} since Loan Depot only paid {$3700.00} of a {$11000.00} bill.We relayed this information to Loan Depot in the manner below is the email we sent to Loan Depot : THESE ARE TWO EMAILS WE SENT TO THE EMAIL THEY SUGGEST WE CONTACT : XXXX # 1 To whom it may concern, My husband XXXX XXXX and I spoke to a customer service rep on XX/XX/XXXX, about our taxes not being paid in full, we were told to fax the XXXX TAX STATEMENT we received to XXXX, this was done on XX/XX/XXXX. We called back and it had not shown that it was received, and we were told to also send this email with the XXXX TAX STATEMENT, which is attached. 
Please let me know if there is anything further on our end that needs to be done. 
Thank you, XXXX XXXX XXXX & XXXX XXXX THIS IS THE SECOND EMAIL WE SENT THEM AND GOT NO RESPONSE : # 2 To whom it may concern, We are requesting that we be reimbursed for the {$670.00} that we were penalized for taxes to XXXX XXXX, TX not being paid in full for XXXX. 
My husband XXXX XXXX and I spoke to a customer service rep on XX/XX/XXXX, about our taxes not being paid in full, we were told to fax the XXXX TAX STATEMENT we received to XXXX, this was done on XX/XX/XXXX. We called back and it had not shown that it was received, and we were told to also send this email with the XXXX TAX STATEMENT, which is attached. The taxes were still not paid and a penalty was applied for the amount of {$670.00}, this penalty was assessed while we still had a mortgage loan through the Loan Depot. There has been no communication and we were told by your customer service rep that the penalty would be taken care of and reimbursed through Loan Depot 's mortgage company. 
This has caused a major hardship on our family due to the negligence of your organization for the second year in a row! We hope to get this issue resolved, if this is not handled through your mortgage company we will have no choice but to file a complaint with the Consumer Finacial Protection Bureau ( CFPB ). 
Thank you, XXXX XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This is for Acct starting with XXXX ( XXXX ) I sent a letter via certified mail delivered on XX/XX/XXXX to National Credit Adjusters regarding a collection being reported on my credit report asking for validation of purported debt, to include relevant information that is required to be furnished by law : Copy of orig. contract Name and addr. of orig. creditor Name and addr. of alleged debtor Amount owed Full acct number Date acct open Date of last payment Date of first delinquency Complete acct activity Proof that this debt was sold to the company, and that they have the legal authority to collect the debt I had not received a response for well over one hundred and fifty-five days since National Credit Adjusters got my request to validate this debt. On this basis alone, the account should be deleted from my credit report since it is in violation of my rights under the Fair Credit Reporting Act. I have the cert mail receipt to show that it was received. Today, I was provided with the attached. This is not an acceptable validation that the debt belongs to me for the following reasons : 1. Nothing was provided that constitutes proof of the purchase of purported debt from the original creditor. 2. This is not my account, and I did not sign this document. 3. The address indicated on the document is not mine. 4. The bank account on this document is not mine. 5. The amount owed listed on the document is {$530.00}, but the amounts broken down in the document do not equal {$530.00}, AND the amount being reported on my credit report is {$590.00}, your response letter also says a different amount of {$590.00}. Also, the date last active had been updated to XX/XX/XXXX, which is re-aging, and is unlawful and a violation of the Fair Credit Reporting Act. I kindly ask that this account be deleted from my credit report at all CRAs, and all contact and collection attempts stop. Upon a response to this complaint, if this is not resolved as per the law requirements, my next contact will be the Federal Trade Comm, XXXX XXXX XXXX, the XXXX, social media, and the media. I will pursue legal action for damages if necessary.

Company response to consumer: Closed with explanation