vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I have an account with credit acceptance. They have been reporting late payments for YEARS after the account was closed. I've called multiple time to settle the past 6 months and they won't let me pay. I was informed today they sold the dept to the US attorney General for insurance and financial. This has significantly harmed my account.

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 monetary relief
Consumer complaint received 2022-03-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX and Acct # XXXX XXXX XXXX violated my rights as a consumer under the following Consumer laws 15 U.S. Code 1602 ( J ) Truth in Lending Act my rights has been violated. Deuteronomy 15 The Year for Cancelling Debt account has exceeded the 6 year mark and should be removed from my consumer report, Also 15 U.S. Code 1681 ( B ) Permissible Purpose has been violated. 15 U.S. Code 1692a ( 1-4 ). Inaccurate information across the 3 bureaus are inconsistent and inaccurate which has been detrimental to my character, health and mental state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights as a consumer under the following Consumer laws 15 U.S. Code 1602 ( J ) Truth in Lending Act my rights has been violated. Deuteronomy 15 The Year for Cancelling Debt account has exceeded the 6 year mark and should be removed from my consumer report, Also 15 U.S. Code 1681 ( B ) Permissible Purpose has been violated. 15 U.S. Code 1692a ( 1-4 ). Inaccurate information across the 3 bureaus are inconsistent and inaccurate which has been detrimental to my character, health and mental state.

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 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
There was fraudulent activity on my credit card of more than $ 4K, which was reversed. However, the associated fees and interest were not reversed. I have tried on multiple occasions to call and each time told there is a several hour hold time to speak to a specialist. My call was also disconnected twice. They also refused to allow me to speak to a manager.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX XXXX {$0.00} ( Original Creditor : ) XXXX {$130.00} ( Original Creditor : ) XXXX XXXX} ( Original Creditor : ) XXXX XXXX  ( Original Creditor : ) XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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:
This inquiry was unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, this must be an error with Equifax investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see this inquiry that should be removed : XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Due to an encounter with a scammer, we attempted to recover a {$4900.00} wire sent on XX/XX/XXXX. The normal interbank recovery channels could not recover the wire, so I contacted the receiving bank, XXXX XXXX, for help. They advised that they needed a Hold Harmless Letter from our bank, Chase, to provide further help. 
I requested help obtaining this letter through phone calls, secure online messages, and in-person branch visits. I was directed by representatives by phone and secure message that any branch could help and we needed to talk to a banker. We did so, but every banker and supervisor was completely unaware of a Hold Harmless Letter. 
From my first visit, a banker promised to research the letter and get back to me, but I never received a follow-up communication of any sort. I went to the same branch a second time and spoke to a XXXX XXXX XXXX, a Vice President and Bank Manager of the Chase branch on Montana and XXXX in XXXX XXXX. However, XXXX XXXX was dismissive and rude to me, refusing to help in any way and walking away as I attempted to speak to him. 
I am utterly dismayed that all of Chase 's international infrastructure and reach is nullified by one particularly impolite, inconsiderate, and unhelpful representative that apparently is the only one who can help me obtain a specific type of letter. All of the other channels and departments, including the branch I visited, had little to no information on a Hold Harmless Letter, and none so far have been able to adequately help me. 
Though this letter may be uncommon, I expected a large and well-known bank such as Chase to be able to provide me with more help than referring me to other departments and finally to an essentially antagonistic and belligerent bank manager who simply refused to talk with me at all. I feel abused and scorned by the very bank representatives that I thought were supposed to help me in every way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My updated credit report from Experian was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If XXXX has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXE Date XXXX inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXA Date of inquiry XX/XX/XXXX XXXX  XXXX NA Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXE Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/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 2022-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
FedLoan is my current loan servicer and after multiple emails, attempted phone calls ( some of which I was on hold for over an hour after THEY returned my call ), I have yet to be able to find up to date or accurate information/guidance on my TEPSLF progress. I would like more clear and accurate communication and less misrepresentation of actions they have performed on my account. Ive been sent letters that state an inaccurate about payments for TEPSLF that they say dont qualify when my records from studentaid.gov / XXXX show that the payments do qualify under the new guidelines.

I have several ineligible payments from my loans being automatically being put in in school forbearance during XXXX  school when I was working and able to pay but was advised not to because those payments would not count towards forgiveness.

FedLoan is misrepresenting their efforts and neglecting their responsibilities as a loan servicer as their accounts are clearly not accurate but FedLoan claims they are. Ive worked in XXXX for 13 years and have either made 120 qualifying payments towards forgiveness or had been mislead and instructed not to do so because that was what was best for the company, not for the costumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2900.00}

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 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has been called several times to Remove fraudulent data. The reps at times have been helpful not all. on another note, I have had identity theft and have proven so, by completing a police report and having data from Equifax stating I was included in password leaks and breaches. Equifax has held to neglecting to remove the information from my profile. With this being my XXXX step in a Default notice which will also be presented to Equifax if this last attempt is not met with XXXX XXXX, By certified mail. The Specialist of the Fraud Department has provided assistance but these fraudulent details still remain. I am re-attaching the information provided in the last report. Numerous data details which are fraud remain on this profile, and Equifax should be held responsible for continuing to maintain inaccurate data after acknowledging the Affidavits being provided. I am being provided the received receipts and the information still remains on the profile. This has been a year battle with Equifax. Every minute spent calling and every effort communicating with Equifax will be provided to the endless hours recovering from the Data Breach. As a Service Provider and Company, Equifax should be held responsible for its contract that states it will protect the consumer. It continues to be an issue today. This serves as my direct report to Equifax to provide XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress 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
Consumer complaint received 2022-03-11 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: TX

Complaint narrative:
I am submitting this complaint regarding several items in my account that, upon checking, have been unverified and have been placed under my name without my knowledge. Particularly, the bankruptcy charges, several inquiries and some chargeoff/collection that i saw. It is already affecting me so much. I wrote the bureau last month but i have not seen enough changes to convince me that they are doing something to correct my issues.

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 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Yes I was part of the Equifax data breach and I noticed that I started having all these charges and identity theft show up so I filed a report I'm been trying to dispute all these charges to get them off of my credit because they are not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FRANKLIN LOAN CORPORATION
State: CA

Complaint narrative:
I started a refinance process in on XXXX XXXX and provided all the documents that were requested by this lender Franklin XXXX located at XXXX XXXX XXXX, XXXX XXXX phone # ( XXXX ) XXXX After all the necessary documents were processed and finalized then on XX/XX/2022 a notary was to come out for the final signing. Then it was canceled and rescheduled for XX/XX/XXXX a Monday, Then it was cancelled again and rescheduled for XXXX XXXX. Then it was canceled and rescheduled for Friday XX/XX/XXXX, So today is XX/XX/XXXX and it has been rescheduled to XX/XX/XXXX See the pattern here not only has this process been on going since XXXX and 3 months later still no resolve. 
I think this company is either incompetent of discriminatory and just does not want to complete the loan ( ever ), I call and can never get anyone to answer the phone they may respond to my emails a few days later but never an immediate response to my concerns.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried several times to file a dispute with Experian to correct my report regarding XXXX XXXX XXXX XXXX. I filed for a Chapter XXXX bankruptcy XX/XX/21 and received a discharge order. 

XXXX XXXX continues to indicate that the account is open has been unpaid for more than 180 days.

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 2022-03-11 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: NC

Complaint narrative:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a dispute to Transunion LLC utilizing the format / template provided by the CFPB for disputes and although i provided all the required information they stated over the phone that they could not find me in their system because I did not provide a file number that i did not know about. However in the letter they sent me they stated I did not identify myself correctly and they were not going to process my claim/ dispute.

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 2022-03-11 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Eastern Accounts and XXXX XXXX are reporting fraudulent accounts on my credit. I didnt open these accounts nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my driver license. Please stop the fraudulent reporting and remove these accounts from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: DC

Complaint narrative:
Dear Sir/Madam : I received a notice from New American Funding on XX/XX/XXXX. The notice stated that my required escrow payment will increase by more than 800 % beginning XX/XX/XXXX, from {$60.00} per month to $ XXXXThis will increase my monthly payment by 33 %. 

The mortgage originated in XX/XX/2021. 

In reviewing the documents, it is clear that at the origination of the loan, New American Funding made errors in estimating the closing costs, and in setting my payment, and that the loan approval and payment calculation was based on this error. 

The closing documents list property taxes of {$60.00} per month. However, the correct property taxes charged by DC are about {$400.00} per month. This error is repeated on multiple documents. 

New American Funding now is increasing my payment to cover both the correct property taxes ( about {$400.00} pr month ), and the approximately {$7000.00} shortage from last year that resulted from their error. The error was repeated in every step of the closing process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NC

Complaint narrative:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.

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