vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 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:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.I will seek monetary compensation if this isnt handled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: FL

Complaint narrative:
I am XXXX XXXX and i'm submitting this complaint myself, and there is no third party involved. Concerning a previous dispute with confirmation number # XXXX. Equifax says the alleged account was investigated and verified. according to 15 USC 1681 ( a ) ( e ) they must interview 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.

Equifax did not interview any of my neighbors, friends, or associates. therefore they are in violation of 15 USC 1681 ( a ) ( e ) and owe me {$1000.00} for violating my consumer rights, and they must delete the account from XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase Bank is trying to take my money from the SBA loan I was approved for. The blocked my accounts and would not return the money to me or to them and I have to pay that money back to the SBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Navient is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XX/XX/2021, I sent a letter to Navient disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, Navient responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Camelot Financial Services, Inc.
State: FL

Complaint narrative:
Received threatening emails and phone calls regarding being served with court documents and a law suit as well as several criminal charges unless I paid them in the next 2 days I believe it to be a scam and didnt know where to turn

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. I will seek monetary compensation if this isnt handled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
We purchased our house in XX/XX/XXXX. We have been using United wholesale mortgage for that purchase. Since that time they have not been able to correctly process any of our mortgage payments. Originally we tried paying our mortgage by monthly so that we could have the advantage of having a 13th payment each year. Instead of 12 traditional months. However the company could not process by monthly payments. Every month they would tell us that we had defaulted every month they would send us collection letters even though we were paying before our payment date and paying every two weeks. So back in in XX/XX/XXXX we switched back to full mortgage payments hoping it would alleviate the problem. We just received another letter saying we are again in default and that they have not been able to apply our last two full months payments. XXXX bank has records that we make our payments on time electronically every month. However it appears that United wholesale mortgage can not account properly for monies received. Furthermore we do not trust that we are getting the credit towards our actual loan amount that we deserve for all the extra payments we have been making. there are countless reversals in our account and a third account named unapplied funds which our payments somehow kept getting put into. We would appreciate any help in trying to remedy this issue as we do not trust this mortgage company and we do not know how to have them audited to ensure that they are applying the funds that we pay on time every month to our mortgage. We have never missed a payment. In fact we should be at least one month ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: PA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone was able to take money out of my account through XXXX and XXXX XXXX multiple times.Ive seen many people have complaints about this.I was told by the Bank of America representative that I would receive all my money back in two cashiers checks but never did.I received the first names of people that I dont even know.Bank of America never alerted me or questioned the charges.After my account was hit a couple times by the XXXX  app, i dont understand why they allowed someone to hit my account again!!! please do the right thing and refund my money.After much research I see that this has happened to many, many other people. Would like to Settle this out of court but if not then I will move forward with legal action.

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 2021-09-01 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: CA

Complaint narrative:
I requested my consumer report on XX/XX/2021 from Equifax Information Services LLC and XXXX. Upon receiving the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " Bureau '' means Bureau of Consumer Financial Protection. At no time did I ever sign a contact with Equifax Information Services LLC and XXXX  ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: NY

Complaint narrative:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.I will seek monetary compensation if this isnt handled

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 2021-09-01 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: NY

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. I will seek monetary compensation if this isnt handled

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 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2021-09-01 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: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Hi Since about XXXX or XXXX I have been trying to dispute this Alleged debt. originally from XXXX XXXX XXXX. The account was originally opened XXXX The amount of {$360.00} is the balance ( I have no idea how much the total credit card limit amount was ) Because I NEVER OPENED AN ACCT. in XX/XX/XXXX with XXXX XXXX XXXX!! I have send many letters to XXXX XXXX & nothing, & to the credit bureaus. & It would be off my credit because of the 7yr statue of limitation would be this year but XXXX XXXX sold the debt. to a collection agency in XX/XX/XXXX to PORTFOLIO RECOVERY ASS. XXXX XXXX XXXX XXXX. XXXX VA XXXX .... ( they do this purposely so it won't be removed in the 7 yrs! ) IT SHOULD BE ILLEGAL!! 
I Have sent for years, several dispute letters to portfolio recovery & they can not proof this debt belongs to me, no original contract, no wet signature nothing but a summary of a bill ... any one could open this acct. online with my personal info & they are violating my rights because they have ignored all my letters to dispute & validate this debt. that does NOT belong to me, it is being reported on XXXX XXXX XXXX XXXX & it is affecting my credit scores. I am tired of them reporting fraud on my credit reports! I deserve it to be removed immediately! If this debt was mine I would have been paid it by now!! It is only {$360.00}!! It is against the law for a 3rd party company to report on my credit reports with out proper validation & they can't proof it, because they know it doesn't belong to me in the 1st place, they are just greedy debt collectors & don't care about doing the right thing!! I have several credit cards & all are reported paid & on time & in good standing, with way higher limits! THIS IS RIDICULOUS!! This is hurting my chances of getting a better interest rate for a new home I plan to buy soon. I appreciate your help. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TN

Complaint narrative:
I recently reviewed my credit report and found that the last four digits of my social security number are being reported incorrectly on my Experian credit report. Because of this error my Experian credit report does not generate a credit score and several items that do not belong to me appear on my credit report. I am attaching a copy of my social security card that shows the correct social security number. I am also attaching a copy of my current state photo ID and birth certificate. I am disputing the social security number that Experian has on file. I am also disputing the following two accounts that do not belong to me and are showing on my credit report due to the incorrect social security number that Experian has on file. The two accounts I am disputing due to the incorrect social security number are : XXXX XXXX XXXX  : Balance {$900.00}. The second account I am disputing due to the incorrect social security number is : XXXX XXXX XXXX : Balance {$19000.00}.

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 explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I was shopping with my fianc at Kays Jewelers. The Manager was assisting us and she was very pushy about a credit card. I told her multiple times that I did not want a credit card. After we selected a ring to purchase, she said that they would do 0 % financing through the store credit card. I again said no. Then she said Well lets just see what youre pre-approved for but you dont have to actually apply. I agreed. After being pre-approved she started showing me merchandise well outside of my budget. It made me uncomfortable so I left without making a purchase. 

Then on XX/XX/XXXX I received the Kays card that I never knew I applied for. Im currently going through the refinancing process on my home. I NEVER agreed to apply for this card and I am highly upset that I was outright lied to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I signed a loan modification agreement with Citizens One XXXX XXXX. I was originally told that I had 3 trail payments which were XXXX XXXX, XXXX XXXX and XXXX XXXX which were all paid. I was informed after that my loan modification would start XX/XX/2021. I started making my payments XX/XX/XXXX as requested and I continued to receive mortgage statements stating that my payments were past due. I called and I was informed that I owed a payment in XXXX. I informed the mortgage company of the previous agreement and every time I called the representative would pull up the notes and say ok I reviewed the notes and you don't owe a payment for XXXX. The company told me it would take a couple of months for their system to reflect the updated modification. I would have to call monthly and I was told the same information every time I called which is I was current on my payments. In the month of XXXX their system was finally updated and it showed I was a month behind. The new updates also displayed loan terms that were different from the modification we agreed on which is a loan of {$100000.00} for 30 years ( which payments from XXXX and so on should be applied ) and a second loan of {$40000.00} which is a HUD loan. I believe my payments have been misapplied. I requested detailed info on how the company arrived at the loan amount and how the payments have been applied before and after the modification with no response. I also believe the company is attempting to make me pay extra money when it's not warranted. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Augusta Collection Agency, Inc.
State: SC

Complaint narrative:
There was a collection on my credit report from Augusta Collection Agency. I sent a debt validation letter to the address on my credit report through certified mail and the letter was sent back to me saying " Return to Sender, Vacant, Unable to Forward ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
A collection company named Portfolio Recovery Association has been harassing me with calls about a debt collection in the amount of {$450.00}. I havent done any business with this company and I have no contract with them. I would like them to stop the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2021-09-01 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: MA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation