vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian confirmed verified XXXX XXXX XXXX as verified as accurate. I requested reinvestigation procedures to determine accuracy of verification. I did not receive the information.

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 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Our regular monthly payment for our mortgage ( same payment as we've always made ) XX/XX/XXXX was mis-categorized as an early principal payment. 

Our monthly payment ( due XX/XX/XXXX ) then began to show as past due in the web portal. We were not informed of this, but had to discover it ourselves. 

We called and were told by a representative that this would be corrected, but it wasn't and we had to again discover for ourselves that it was not ( again through the web portal ). A second representative told us the case had been closed with no action taken. 

It's also pertinent that Chase 's web payment form *asks* whether you'd like a payment applied as normal or as " additional principal '' and their system recorded that we did *not* accidentally select that option. 

It's extremely convenient that Chase would determine that, the very month the US Treasury yield shot above our mortgage interest rate, they would decide for us that we should seek an early payoff despite our telling them otherwise on two occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: United Shore Financial Services, LLC
State: TX

Complaint narrative:
Recently acquired 2 mortgages with the company as automatic payment is strongly encourage to prevent falling behind on payment. On XX/XX/XXXX, I had set up Automatic payment on both account for automatic payment for draft for XXXX payment. In XXXX while checking account in XXXX, noticed on one of the account payment has not processed. 
called company and explained the situation, call escalated to upper management to explained procedure about removal of late payment notice from credit report. I was told to contact the Credit Bureau and will confirm with reversal of reporting. I was told it may take about 30 days for issue to resolved. I specifically told the Manager that i am in the process of purchasing a property and that would affect me qualifying for the loan as it would have a negative impact. 
This is the first ever payment with the company. I do emphasized that I have been familiar with the company rules. I was told once they received report from credit bureau, credit reporting would be reverse. 
On XX/XX/XXXX as I am ready to close on property, I received a call from my agent stating credit reporting has not been taking off, and getting the mortgage would almost makes it impossible. 
When I reached out to the company, I was told my request has gotten denied and was never made aware as I have been waiting for about 30-45 days period. This has been very misleading as I have done everything asked. I was told flat out " Claim denied '' can't be reverse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I reached out to this company on a number of occasions and let them know that this was identity theft. This was open without my knowledge and permission. I let them know in writing that I had a police reports and my information was stolen. You can check address and signature like I told them too and no response

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 2022-04-13 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: NV

Complaint narrative:
On XX/XX/2021, I filed a dispute with Experian Credit for the following accounts : XXXX XXXX * Grossly inaccurate reporting ( Reporting Account as Delinquent when Payments Were Made Timely ) * Per CFPB was to be removed from my credit file on XXXX XXXX XXXX XXXX * Third party collection agency that did not supply original debtor 's information * Claimed delinquent account shows on my Credit Report from Original Debtor ( Reporting an Old Debt As New ) In accordance to the Fair Credit Reporting Act, the ( 2 ) Above sourced accounts should have been removed from my credit report and subsequently my credit score should have been restored with positive points. Not only did Experian not do this, they adversely removed points.

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 2022-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
I am sorry to say I did not keep records of the dates I contacted Toyota Financial. But I can tell you I've talked to at least 10 different Reps and 1 Manager. I have paid my car payment on time EVERY month plus {$100.00} Extra accept I didn't pay the extra in XXXX or XXXX. They have now turned me over to their collection department saying I owe them {$200.00}. They even sent me an itemized statement showing my payments and still will not acknowledge they have made a mistake. They are trying to ruin my credit and over money I don't owe them. All I can say about Toyota Financial Services is Buyer beware. And they don't have an email you can send your information to. You either have to FAX it or snail mail it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX  XXXX & XXXX is reporting me late on my credit report when in fact my credit cards were compromised in the months of XXXX, XX/XX/XXXX, and XXXX of XXXX. 
I contacted XXXX XXXXXXXX XXXX and explained what was happing to my accounts. The representative disputed the charges and informed me that I was not responsible for making any payments until my account issues were resolved. I was also informed that I would be notified when to resume my payments. I was never notified by XXXX XXXX when payments resume. Because my bank account was compromised as well when capital one resumed collecting payments it was from a bank account that was already closed which resulted in them reporting my accounts as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX & XXXX is reporting me late on my credit report when in fact my credit cards were compromised in the months of XXXX, XX/XX/XXXX, and XXXX of XXXX. 
I contacted XXXX XXXXXXXX XXXX and explained what was happing to my accounts. The representative disputed the charges and informed me that I was not responsible for making any payments until my account issues were resolved. I was also informed that I would be notified when to resume my payments. I was never notified by XXXX XXXX when payments resume. Because my bank account was compromised as well when XXXX XXXX  resumed collecting payments it was from a bank account that was already closed which resulted in them reporting my accounts as late 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 2022-04-13 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
XX/XX/XXXX I purchased an Apple XXXX for approximate {$1200.00}. Apple offered an " installment payment with no finance '' if paid off in 24 months if you put on a card, so payment would be {$51.00} a month. XX/XX/XXXX I noticed that my card was being charged interest and contacted Goldman & Sachs ( card company ) and advised of this. Apple representative called me back the next day and said their error they would credit all the finance charges and put phone on installment plan.. XX/XX/XXXX Apple Card ( Goldman & Sachs ) called me regarding my payment being behind, even though I had made a payment. Rep stated the payment was to be {$160.00}. I said What, why ... .They said well you owe for phone. I went through the installment that Apple advised and Apple NEVER applied the payments against the phone, they set up the installment plan 8 months later with the original amount. Supervisor at Goldman & Sachs saw the same thing and stated they were putting in a dispute and it could take up to 25 days to resolve. It has been past 25 days, still not resolved and they call every month stating I am past due. I tell the rep is there any notes... they go in and see the notes then say oh I am so sorry. Today when they called I said I am still waiting on resolution but at this point I am worried this is effecting my credit representative stated " Oh it absolutely is being reported that you are past due '' At that point I stated I was contacting CFPB and the Attorney 's General Office and wanted to speak with supervisor. Supervisor XXXX got on phone she also can see the error and is sending back a note regarding the false reporting to credit bureau but due to the amount of time that this has been going on I am worried this is not going to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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:
On XX/XX/XXXX I notified Equifax Credit Reporting Agency that I noticed unauthorized and unrecognized inquiries on my credit report, the following are a list of said inquiries that were fraudulently placed on my credit report. 

XXXX on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXXXXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX ON XX/XX/XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
In XX/XX/XXXX, I hadn't arrive home yet and my day answered the door. They asked for me and threatened to take me to jail. My child was afraid. I was told to contact a number and now answer from a debt trying to be collected from XXXX XXXX XXXX  account. The account was charged off in XXXX. Somehow it repeatly gets updated for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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:
In accordance with the fair credit reporting act XXXX  Accounts has Violated my rights. 
15. u, s.c 1681 section 602 A. States I have the right to Privacy.

15. u.s.c section 604 A. section 2. It also states a Consumer reporting agency can not furnish a account without my written Instructions. 
XXXX XXXX {$350.00} Delete XXXX XXXX XXXX XXXX {$830.00} Delete XXXX XXXX {$5800.00} Delete XXXX  XXXX {$2400.00} Delete

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 2022-04-13 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC
State: ID

Complaint narrative:
I started receiving calls from ASG XXXX 6 months ago telling me that they are a debt collection company representing XXXX XXXX XXXX and that my file was placed with them for collection. I thought someone had stolen my identity because I knew I had never had an account with XXXX XXXX XXXX  so I started to file a report with XXXX XXXX In filing such report they ask for information from the original source of debt. So I called XXXX XXXX XXXX on XX/XX/XXXX and they said they could not find anything in their system with my name or social security number and even if the account had been closed they would still he able to pull it up. They advised me to ignore the calls. I've been called every day since though and the calls start early morning and stop after XXXX sometimes. They call every hour and I've had to just turn off my ringer because they drive me crazy. I've tried blocking the numbers but they call from another. They have left me several nasty voicemails which I have saved for proof if needed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Robert Homfeld Credit Trust
State: MI

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: PA

Complaint narrative:
I had lost a card ( last four numbers : XXXX ) i had gotten from Cashapp, canceled the card after reporting it stolen/lost, and a few days later i noticed the card being declined for XXXX, XXXX, XXXX and XXXX. I called and complained, Cashapp told me to contact XXXX and the other companies, so i did. Well a couple months later i see it still being used to try and order stuff from these same companies. I contacted Cashapp, they told me they could do nothing for me because the card was canceled and replaced. So i canceled and ordered another card. Each replacement card has a different card number as well. Now its another couple months and the first card that had lost, IS STILL BEING USED TO TRY AND ORDER THINGS. I have screenshots of the card being used and the transactions. I want to know why a card that the company told me was canceled, is still associated with my account and being used by the same person with the same companies. Its absurd ive contacted them 3 times in a 4 month span and nothing has happened and Cashapp is perfectly happy with letting my account be compromised and someone take my hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation