vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certegy Holdings, LLC
State: IL

Complaint narrative:
So last year in 2020 of XXXX I lost my state Identification card and social security card. I checked my credit but yet nothing new was reported on my credit but I recently just checked my credit and there is new things on my credit that seems fishy and I have no clue what it is or where its from but I know that someone is using my identity to try and open loans and get checks and finance furniture in my name Ive Locked my credit and Ive even tried disputing the inquiries but it wont let me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed my credit card without my knowledge and authorization. This prompted my credit score to fall drastically. I called the banking institution and they said they could not tell me why they closed my credit card account. I spoke to a manager who again, told me they can not tell me why the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Mortgage servicing transferred to Fay Servicing. Apparently my mortgage also sold during Covid period to an investor who apparently does not have to continue or consider forbearance options. I have applied via Fay 's website, supplying paystubs now that I am back to work ( was out previously due to XXXX and health issues ). Unfortunately, I can not convince Fay Servicing to refinance and/ or setup a payment plan for the arrearage and balloon structure the remaining balance. This would be good for all parties. However, all I have gotten from Fay is that I do not qualify and sorry they are going going to foreclose, although no date for that yet. I am beyond upset. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CA

Complaint narrative:
TTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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:
Chase bank closed my checking and savings account without my knowledge. When I called to inquire why my account was closed they told me they could not tell me why. This has impacted my credit score and made it drop drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
On Sunday XX/XX/XXXX XXXX XXXX I had used my card T my local pharmacy to pick up a couple things, and came home, I later received a notification that my cRd had been used that same day in the amount of XXXX, at another retailer, and I immediately called the card and the girl canceled the card and said they would send paperwork that I needed to send back withing ten days, not only was that letter received after thier ten day date, they then told me that I would get no credit from them until after they took three months to clear it up, I then receive a letter from them just this week, explaining that no credit would be given because no error was found, I filed an online complaint with ic3 regarding the charge and gave what info from that I could, I contacted the reliacard back and they told me I could request thier transcripts but that too would take up to a month and that they had no i formation regarding the dispute and that there was no one I coukd contact because fraud departments don't talk to the public, I told the lady I don't agree with this and I want my XXXX refunded to me she basically said no in a roundabout way. I am not happy with this decision in any Form

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 2021-05-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchased a vehicle through XXXX car sales. The sales pushed me to get a loan while I was planning to pay cash. I had no idea I got into the loan with TD Auto Finance which is the biggest mistake I made in XXXX! 

Here is my miserable experience with TD Auto Finance I did not receive another loan statement/or documents till it was overdue. During this time, I continue to receive decline of loan application notices from TD auto Finance. 
I got a call from customer service stating my payment was overdue in XXXX. I told the customer service that I am going to pay off the balance and please don't report to the credit bureau. I spoke to multiple customer services and stated I am going to payoff the balance. Finally, I was informed to email to the check to a PO box in Maine. 

I mailed the check on XX/XX/XXXX and the payoff check was deposited by TD Auto Finance on XX/XX/XXXX. My credit score was impacted on XX/XX/XXXX because of the delinquent reported by TD Auto Finance. 

Early XXXX, I received a letter from TD Auto Finance saying XX/XX/XXXX is the LAST DATE for PAYMENT, we may exercise our rights under the law. 

I thought the check was deposited by TD Auto Finance and I ignored this letter. 

A week ago I was applying for a mortgage and found out my credit score dropped to XXXX from XXXX and I was told by the banker that TD Auto Finance reported delinquent. 

There was no emails, mails or phones to inform me about my credit score and about my payoff date ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CA

Complaint narrative:
I purchased a vehicle through XXXX car sales. The sales pushed me to get a loan while I was planning to pay cash. I had no idea I got into the loan with XXXX XXXX XXXX which is the biggest mistake I made in XXXX! 

Here is my miserable experience with XXXX XXXX XXXX I did not receive another loan statement/or documents till it was overdue. During this time, I continue to receive decline of loan application notices from XXXX XXXX XXXX. 
I got a call from customer service stating my payment was overdue in XXXX. I told the customer service that I am going to pay off the balance and please don't report to the credit bureau. I spoke to multiple customer services and stated I am going to payoff the balance. Finally, I was informed to email to the check to a XXXX XXXX XXXX Maine. 

I mailed the check on XX/XX/XXXX and the payoff check was deposited by XXXX XXXX XXXX on XX/XX/XXXX. My XXXX XXXX was impacted on XX/XX/XXXX because of the delinquent reported by XXXX XXXX XXXX. 

Early XXXX, I received a letter from XXXX XXXX XXXX saying XX/XX/XXXX is the LAST DATE for PAYMENT, we may exercise our rights under the law. 

I thought the check was deposited by XXXX XXXX XXXX and I ignored this letter. 

A week ago I was applying for a mortgage and found out my XXXX XXXX dropped to XXXX from XXXX and I was told by the banker that XXXX XXXX XXXX reported delinquent. 

There was no emails, mails or phones to inform me about my credit score and about my payoff date ...

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 2021-05-05 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: OH

Complaint narrative:
On XX/XX/XXXX I noticed a collections account for {$100.00} on behalf of Spectrum, from a company called XXXX XXXX had again surfaced on my credit report. As a result I filed a dispute with Equifax and XXXX on XX/XX/XXXX. I expressed my frustration with this being the 4th time this item had shown up on my reports, but this account was settled on XX/XX/XXXX with a collections collections company called XXXX ( auth code XXXX ). It cleared my bank account on XX/XX/XXXX. I was offered and paid a settlement amount of {$28.00} to close out the account. I made XXXX XXXX collection agents aware of this and I shared this via my dispute with the bureaus and told them if this harassment continues, I will file a lawsuit against XXXX and the reporting Bureau. With the above stated, this complaint is directed at Equifax, because despite filing a dispute, they lowered my credit score by 19 points two days later, while the dispute was still under investigation. Subsequently, XXXX because a dispute was being investigated, did not lower my score. Actually, they increased it by a couple of points due to continued debt decreases. This is grossly irresponsible of Equifax being that a dispute was filed and they can easily check their records to see how often this has surfaced on my report and then removed via previous disputes that I should not be penalized. It honestly feels retaliatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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.

Complaint narrative:
I applied to refinance my home loan with XXXX Bank in XXXX. They outsource credit checking to Equifax. 

Equifax incorrectly entered my name on the credit report combining my name with my wife 's! I logged an initial request to have this rectified on the XXXX XXXX. Received an email from them on the XXXX XXXX asking for a 21 day extension. Called them on the XXXX XXXX and below is what transpired. 

Call Number 1 - Discuss contents of email with the first call centre representative. They don't know what the problem is and state they can only email the team responsible so have no further details. I ask to speak to a Supervisor, they agree and put me on-hold for 10+ minutes and then disconnect me. No call-back from anyone - they have my number why not call back? 

Call Number 2 - I call back, speak to another call centre representative, explain the situation again and ask to speak to a Supervisor, they agree and put me on-hold for 10+ minutes this time they don't disconnect me they put me through to a survey asking for my feedback. Survey - I complete survey providing lowest scores possible. 

Just to be clear this is the worst customer service experience I have ever encountered. If this is indicative of Equifax 's overall operations then they should immediately cease business as no stakeholders could have any confidence in the reliability of the services they provide!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: PA

Complaint narrative:
I originally had a dispute with Transunion & XXXX  I sent my initail letter on XX/XX/2021 asking them to comply with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), informed them they are required by federal law to verify, through the physical verification of the original signed consumer contract, and respond within 30 days. They did not respond to me within 30 days of physical mail. I then sent a follow up letter XX/XX/2021. Both letter I sent had copies of my FTC report showing I was effected by the XXXX  Data Breach. Also I disputed with XXXX and they deleted all disputes and the same disputes as transunion. All information should look the same throughout all credit bureaus

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 2021-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint w/ the CFPB due to unlawful, inaccurate inquiries are on my XXXX and Transunion credit report that I don't recognize and need to be deleted.. They are a direct violation of the FCRA and my federally protected consumer rights..I informed XXXX, Transunion XXXX and XXXX about the unlawful inquiries on all 3 credit reports and only XXXX did a proper investigation and found the truth.. XXXX honorably and promptly Deleted all the unlawful inquiries off my XXXX credit!! However Transunion and XXXX has ignored the truth and continued to intentionally & unlawfully list these inquiries on my credit and ruin my credit and my life!! 
Transunion, XXXX and XXXX XXXX  XXXX XXXX needs to be punished if they don't delete these inquiries off of my credit right now! PLEASE SEE XXXX '' S ( XX/XX/20 ) FINDINGS TO THIS COMPLAINT.. Thank you in advance for your help.. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have been trying to refinance my mortgage which is with XXXX loancare to a lower rate with XXXX XXXX. 
Loan Care is not responding by not giving payoff amount as of a set date of XX/XX/2021 in writing which they require! 
it has been over 2 weeks and I have spoken with all reps and gone on the automatic system to get fax back of the amount within XXXX hours and still no response! 
I do not want to loose my refi rate Loan Care XXXX Pay Off XX/XX/2021 In writing

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 2021-05-05 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-05-05 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation