vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX added a collections on my XXXX portfolio. I called the company who directed me to att u- verse. I called att and asked questions about the account and the instillation address was in Texas. I havent lived in Texas since XXXX. I proceeded to go through identity theft protocol. I froze my credit and reported the incident to the police. Soon after the collection dropped off. On XX/XX/XXXX I received a collections for the same issue from sequium asset solution I called to dispute the charge due to identity theft and was not given the appropriate information and was given the run around regarding removal from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
since XX/XX/2021 I have been trying to get XXXX to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. accounts being dispute Collection is XXXX XXXX XXXX Opened 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 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was not aware or informed of the closure of my Chase Freedom Account until I tried to make a purchase and was very upset because of the inconvenience. This closure has also had an affect on my Credit. I am a single mother of 4 and work hard. I've had financial hardship and I have still been making payments once and sometimes twice a month. I have scheduled monthly payments as well with a Chase representatives to pay down my account balance and none of the Representatives is able to tell me the date of closure and the reasoning why the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with Citibank, didn't make any deposits or anything for a while because I was going through the hiring process at the job I was applying for ( opened the acct to set up direct deposit with this bank ) I got my last check from my last job for {$3000.00} from home Depot. Started getting deposits from new job ( XXXX ) went to XXXX to buy new work clothes and a boot store for work boots. Then tried to buy a money order for my rent at the XXXX money order station ( {$1000.00} ) this was all on Friday XX/XX/2022, tried to use my debit card for the money order and was declined, got a notification from the Citi app asking if it was me, I clicked yes it told me to try again so I did and it declined, I called Citi the rep did some stuff on her computer and said try again and it declined, she tried more stuff on her computer and said try again and it declined. The rep then told me I was over my monthly limit, I have no monthly limit and if there is one it's definitely more than $ XXXX. I walked to the ATM machine right next to the cashier area and pulled out {$1200.00} for my rent money order. Next thing I know my account is blocked the rep tells me someone will call to clear it up in 24-48 hours. It's been 4 days now. I have no money other than what's left in my account ( around {$800.00} ) I can't go to work I have no gas I have no food I've called them every day and they just keep telling me it'll be 24 to 48 hours.

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 2022-03-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Know that this inquiry is unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with XXXXXXXX XXXX  investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 

XXXX XXXX Inquiry Date XX/XX/ 2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.

DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XXXX Balance {$43.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

FIRST XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.

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 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
Recently, I, ( XXXX XXXX ), was denied an extension of credit by Barclays. On XX/XX/2022, I applied for the XXXX XXXX XXXX XXXX. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). BARCLAYS has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. BARCLAYS should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX  Without prejudice, all natural inalienable rights reserved

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Outsource Group, Inc
State: AZ

Complaint narrative:
XXXX  XXXX XXXX did not charge my 3rd insurance and sent me to collections without collecting from insurance. I have contacted them multiple times. Medicredit is reporting the debt to my credit and it is incorrectbecause it wa=s never charged to 3rd insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: LA

Complaint narrative:
since XX/XX/2021 I have been trying to get equifax to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. accounts being disputed Collections XXXX & XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX XXXX XXXXXXXX {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus especially and most specifically XXXX has allowed inaccuracy from reporting agencies onto my credit they're also seems to be a discriminatory process taking place with XXXX for instance their XXXX boost is not made available to all customers it is selected or given according to race their concluded that I'm XXXX  and have for no good reason continually disconnected my account from being able to receive the XXXX boost option they have also made it impossible for contact when my social security number is entered their phone options become inoperable... The reporting agencies Equifax and XXXX along with them have been in non-compliance and have not screened out violators specifically in regards to reporting from car finance companies about late payments customer needs to be able to understand the correct process in seeking damages for these failures of accuracy and procedures of unfairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
since XX/XX/2021 I have been trying to get Transunion to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
accounts being dispute XXXX XXXX XXXX XXXX Opened XXXX {$210.00} XXXX XXXX  Opened XXXX {$410.00} XXXX XXXX Opened XXXX {$840.00} XXXX XXXX XXXX Opened XXXX {$970.00}

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 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: UT

Complaint narrative:
I have a XXXX mortgage serviced by Flagstar Bank XXXX XXXX XXXX XXXX, XXXX, MI XXXX. My husband and I have struggled to pay our mortgage through the Covid19 Pandemic due to my job loss and subsequent income loss, and was able to put our mortgage payment on pause for 18 months. At the end of the 18 months, Flagstar Bank offered to do a mortgage modification with them, which we accepted around XX/XX/XXXX. Also, on XX/XX/XXXX, in anticipation of modifying our mortgage, we told Flagstar Bank representatives that the co-borrower recently changed his name, and that we have a court order to show that. They told us to upload it to their website, which we did in XX/XX/XXXX, and they told us they would change his name with this documentation, and then send us the proper mortgage modification documents to sign with the full legal name of the new co-borrower 's name. However, it has been 6 months now and countless phone calls with Flagstar Bank representatives and still the co-borrowers name has not changed on the loan to the new full legal name of the co-borrower as shown in the court order uploaded to Flagstar Bank 's website. Flagstar Bank representatives and managers have been telling us during countless phone calls since XX/XX/XXXX that the name will be changed, and the mortgage modification documents to sign with a notary will be sent to us. They have sent us 3 mortgage modification documents since XX/XX/XXXX, and each set of documents has the incorrect, old spelling of the co-borrower 's name on them. So the notary can not verify properly the co-borrower when we try to sign the modification documents. So now, here we are XX/XX/XXXX, and the co-borrower 's name is still not changed, and they decided to end and close the mortgage loan modification offer, and we are absolutely irate that we can not take this loan modification that they offered us with the interest rate they promised us, simply because Flagstar Bank will not change the co-borrower 's name to the official legal name as shown on the court order that we uploaded to them and confirmed that they received it in XX/XX/XXXX. We need someone to help us, because they are completely incompetent and we cant get them to proceed with the mortgage modification. they just decided to close the mortgage modification because they cant seem to figure out how the change the co-borrower 's name.

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 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
On XX/XX/22 I contacted the mortgage company and asked what would be necessary to recast my mortgage, having paid approximately 40 % of the principal over the past 12 months. The mortgage company indicated to send an email and ask my question. I also sent the requested email on XX/XX/22. On XX/XX/22 the mortgage company replied via email to send a letter and check for at least {$5000.00} as a principal payment for this to occur. I was to request the recast in the letter. I mailed the letter requesting this and the check on XX/XX/22. On XX/XX/22 I noticed that my check for {$5000.00} had been deposited. I looked online at my mortgage account only to discover this {$5000.00} was erroneously applied to my XXXX mortgage payment. I immediately called the mortgage company, advised of the error, and asked about progress on my recast request. They advised that they did not receive my letter requesting the recast. I told them that this was impossible because the letter was in the same envelope as my {$5000.00} check that they received and incorrectly posted to my account. The mortgage company then stated that they would correct the posting and asked that I email a copy of my letter requesting the recast to an escalation manager, which I did on XX/XX/22. By XX/XX/22, having not received any information regarding the recast that I requested, I emailed the escalation manager again and asked for status. I received no response. On XX/XX/22 I followed up with another email concerning this. Still no response. On the evening of XX/XX/22 I actually called the CEO of the mortgage company on a personal number. My call went to voicemail, where I asked that someone contact me. As of today, XX/XX/22 I still have no response on my request for recast for which I have now paid {$5000.00} to have performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: SC

Complaint narrative:
My debit card had to be changed. I updated it in the system but they have sent my account to a debt collector!! for XXXX XXXX dollars. When the payment failed I logged in and updated my account so when the next attempt came, they could take their money. Well they did not and now I have debt collectors emailing me for Klarna 's money and Klarna emailing me to spend MORE money through them! 
Which is completely counter productive to the whole purpose of having this type of installment service. 
In addition to that. I signed up for phone notifications. The phone notifications for payment stopped once the last payment wasn't received. 
Aren't I supposed to be informed of my being sent to a debt collector? I was not. 
Then I call customer service and like every other customer service, they pick up and stay on the line until you hang up. I am on hold now. for 11 Minutes so far. It is XX/XX/2022 it is XXXX. 
So the customer service is not being provided as it should be. I would pay on the phone with them but I am not paying no debt collector and I am not downloading the app. All it does is harass you to use their service. So you can be harassed by their mistakes. XXXXXXXX XXXX their fake customer service rep hung up.

Company response to consumer: Closed with explanation