vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 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:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Just a few days ago CFPB contacted Equifax and XXXX XXXX about a reporting problem. XXXX XXXX  immediately reported findings to Equifax. After several days Equifax told me that the item had been deleted from my Equifax credit file, IT WAS NOT! At this very moment I'm looking at the my Equifax report published by Equifax with the same collection that I have complained about now for 60 days. XXXX XXXX XXXX in XXXX Georgia for XXXX. Equifax continues to snub it nose at CFPB and XXXX XXXX XXXX. 

PLEASE HELP ME! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
I called XXXX on XXXX at apx XXXX XXXX  about from a customer service number I XXXX  to deal with a customer dispute for a refund. In order to get this " refund '', said person then had me download XXXX XXXX and for 1.5 hours and asked oh do you have XXXX XXXX  or XXXX. He tried XXXX XXXX  first, I didn't have it set up, then he had me go to my bank account ( First Tech Credit Union ) and XXXX him the apparent amount of the dress which I did twice, plus another {$27.00} for a total of {$490.00} in three different transactions. He had it go to a XXXX XXXX XXXX. He said I would get the money back tomorrow, and he would call back.

1. It was a fake website on XXXX with customer support for XXXX XXXX. The guy had me download the XXXX XXXX '' app on my phone so he could see everything 3. I asked for a reference number for the case and his name- XXXX XXXX XXXX I lost a total of XXXX in three XXXX transactions which I reported to my bank. 

At one point we got disconnected and he called me back from this number XXXX. I am looking at my phone records and the 1 hr and 2 min call XXXX ( a now disconnected wireless number ). I am unsure what the number was from the XXXX  page, but this is the one registered on my phone. 

The whole time, I kept saying I think I am getting scammed. Why would XXXX be so primitive to download an app and have me access my accounts and XXXX money for a refund? 

On XXXX at XXXX XXXX  as he said he would he call me again wanting to log onto the app to " ensure the refund '' was there. I had been checking and no said refund has come through. I then told him I had reported the issue to XXXX  for spoofing, to my First Tech bank where I had to change all my passwords. His anger intensified and he terminated the call. 

I was told to report to law enforcement, so I am following with this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I refinanced a loan with Caliber Home Loans. They were already servicing a loan of mine for approximately 18 months. I refinanced for a lower APR. After closing I received an email on XX/XX/2021 that my loan had been funded. On XX/XX/2021, I received a notice that my payment on my loan had been received. I assumed this was the auto-pay I had previously set up successfully paying the amount due on my new loan. I did not receive any other communication from Caliber Home Loans. 

On XX/XX/XXXX, I received a notice from my credit monitoring service that a derogatory mark had been made against my credit. Investigating this I found out that Caliber Loans had submitted a non-payment to the credit bureaus for a missed XXXX payment. I contacted Caliber and paid the amount due in full and re-submitted the autopay that was erased in the changing of loans. I have subsequently attempted to remedy the derogatory mark as it was merely a misunderstanding of auto pay not carrying over and poor communication on their behalf. If I had received an email notifying me that payment and not been made, or a call clearly stating that A payment had not been made, I would have been able to remedy the situation immediately. 

Previous to this derogatory mark I have maintained perfect credit and have never missed a payment. This has caused my credit score to drop over 100 points and is something I firmly believe was strictly a misunderstanding and not reflective of derogatory behavior in any way.

Im reaching out to you to see if theres anything you may be able to do to help remedy the situation. Thank you very much for your consideration and hope we are able to come up with a solution.

Kind regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have 7 credit cards that has advised me that they report to Equifax, yet Equifax has not placed these on my report. I have been instructed by their employees to give it 3-6 months to report. Although I found this information to be erroneous, I have allowed them ample amount of time and still nothing.

I also have an old vehicle that was current when I filed ChapterXXXX and has since been paid off. It originally reflected this information. For some reason, today, XX/XX/25, I was notified that this information was updated to reflect a paid charge off. Which is absolutely false. This has dropped my score 16 points alone, per their site. 

They are intentionally updating incorrect information and purposely failing to report positive information. The credit card accounts I currently have that are not being reported are below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BUSEY BANK
State: IL

Complaint narrative:
I have had fraud 2 times in the past 2 months. This last time the bank allowed someone to use XXXX to take all the money from the account. {$380.00} to be exact! I saw what happened and contacted the bank. I explained that I never use XXXX! Why should I when there are other means to send money? They cancelled my account!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25 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: CA

Complaint narrative:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with 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 2021-08-25 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: CA

Complaint narrative:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Last XX/XX/2021 I've sent a letter but it's almost 30 days now but I haven't received any response. The following accounts were fraudulently used without my permission. I am a victim of Identity Theft. I suffer from stress because of this issued.

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 2021-08-25 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: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME { XXXX XXXX, XXXX OPENED : XX/XX/2021 AMT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: FL

Complaint narrative:
All three credit bureaus are reporting erroneous information in my credit file. I sent a request to each credit bureau to reinvestigate all alleged collections. It's been over 4 months and I still haven't received any response or anything. These alleged accounts does match either credit bureau account statuses. These accounts are definitely errors and erroneous and it is hurting my scores and reputation. I want them removed immediately.

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 2021-08-25 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:
All three credit bureaus are reporting erroneous information in my credit file. I sent a request to each credit bureau to reinvestigate all alleged collections. It's been over 4 months and I still haven't received any response or anything. These alleged accounts does match either credit bureau account statuses. These accounts are definitely errors and erroneous and it is hurting my scores and reputation. I want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
I got a call from XXXX XXXX, Branch Manager at 1st Midwest XXXX  in XXXX informing me that he is closing out all of my accounts with no logical explanation. My husband and I are senior citizens and have been banking with 1st Midwest XXXX  for over 20 years. We have automatic deposits in that bank and lots of money and investment accounts as well saved there. 

I believe that XXXX and his boss XXXX XXXX are retaliating against me because I filed a complaint due to the poor customer service I was receiving from XXXX and a teller supervisor on XX/XX/XXXX. I reported them as I should have. 

I spoke to XXXX XXXX this afternoon and his logic for cutting ties with me was very confusing, 1. because " he feels that I'm not happy ''. How would he know? 2. He heard that I called 1st Midwest XXXX  racist. I did not. I just asked XXXX when is he going to start hiring people that look like me? He retorted. " They don't apply. '' 3. XXXX XXXX also expressed concern that the bank discriminated against me over an unsecured loan I applied for a loan 3 years ago. It was denied because I was one point off the banks ' standards. When I inquired about my relationship with the bank XXXX still turned me down. So I took out a secured loan. 4. XXXX XXXX finally stated to me that the bank doesn't need an excuse for closing out all of my accounts while causing me and my husband tremendous inconvenience and more pain and suffering. 

Over the years I have had great relationships with most of the bankers at 1st midwest even those that have left. I have pictures at the retirement party of one banker, never had a problem. It's just XXXX and his " special group interest group '' ( 2 women and XXXX XXXX ) that seems to discriminate against XXXX and senior citizens. Why would XXXX XXXX bring up race and use it as a weapon to close out my accounts? XXXX XXXX, I thought, had a close relationship with me and my husband, he knows that we are both XXXX survivors and my husband had XXXX XXXX within this past year. This is a prime example of poor customer service and taking advantage of senior citizens! What he is doing is retaliatory and is going to cause us a great deal of inconvenience and pain and suffering. 

In closing, one thing I know for sure is that XXXX XXXX and XXXX XXXX, representatives of 1st Midwest XXXX, are trying to deny me my " freedom of speech '' by retaliating against me for reporting poor customer service while throwing everything but the kitchen sink to justify their unprofessional behavior. This is/should be unacceptable in any community in the United States of America. XXXX is a diverse and friendly community our motto is " A Place To Grow. '' as a 30-year resident here I'm accustomed to good, friendly, honest customer service.

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 2021-08-25 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: IL

Complaint narrative:
I have the following unauthorized inquiries on my credit report and they may be fraud related : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: AES/PHEAA
State: TX

Complaint narrative:
I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( XXXX ), XX/XX/2021 ( XXXX ) and XX/XX/2021 ( XXXX ) against FED LOAN SERVICING. As of XX/XX/2021, my FED LOAN SERVICING student loan was paid in full and therefore closed. On XX/XX/2021, both XXXX and XXXX closed my Disputes with no change to my account balance and status, because FED LOAN SERVICING advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why FED LOAN SERVICING would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 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: MD

Complaint narrative:
There are inquires on my consumer report that i do not recognize. 
The problem is after dispute of these alleged items e-OSCAR in return replied with an ACDV Automated Consumer Dispute Verification. 
My other concern is i am the consumer and by law you do not have permissible purpose to furnish anything on my consumer report without my consent. 15 USC 1681b Which i have not given. 
My identity and my privacy by federal law are to be protected and your corporations is in assistance with the violators not protecting consumers rights.

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 2021-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Account Number XXXX XXXX XXXX XXXX In XXXX of XXXX, I was connected to a representative to whom I shared with them that my requested billing date was off by one day. I explained to the representative that I am paid monthly on the XXXX and to ensure I am able to maintain credit worthiness, I requested my due date be changed from the XXXX to the XXXX of every month. I was told by the representative that the one day off mistake was made by XXXX when they sent my information to be processed and TD Finance could not make that determination to change the billing date. I was told I would need to speak with a representative from XXXX to resolve the matter. I contacted XXXX and was told the information I received was false and the finance company has the power to fix the mistake. 

I was persistent in trying to resolve this matter and paid my bill in XXXX on the XXXX when I was paid and was accessed a late charge. I contacted TD XXXX  to resolve the matter and was told there was nothing that could be done to change the billing date and nothing could be done to adjust my account to waive the late fee. I did the same in XXXX and spoke to a representative who told me I was the customer, and who did I think I was requesting a set due date. The representative went on to tell me I had a lot of nerve and I could pay the bill at the end of the day on the XXXX so the payment would not be debited from my account until the XXXX. I explained this was a risky practice and I could run into the possibility of the transaction being debited same day. I also mentioned to the representative that all of my other creditors have been accommodating and have given me the XXXX as a due date so I will not assessed late fees. The representative responded back, with the reminder that we ( TD XXXX  ) are not all of your other creditors. I explained to the representative that the companys unwillingness to change my due date by one day was causing an unnecessary hardship. The representative remained firm that there was nothing that could be done. I was also denied my request to speak with a supervisor. 


Additionally, in XX/XX/2021 I was charged a late fee of {$24.00}. In XXXX I paid my bill of {$78.00} but was charged an additionally late fee in the amount of {$24.00} even though the bill was paid. There is no reference in my received documents that a late fee can be assessed when a late fee is not paid. The late fee is only assessed when the original minimum amount owed is not paid which is not the case in this instance since I paid the minimum monthly amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: MN

Complaint narrative:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME { XXXX XXXX, XXXX OPENED : XX/XX/2021 AMT. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GLOBAL SOLUTION BIZ LLC.
State: TX

Complaint narrative:
XXXX is a rep for this company XXXX extension XXXX. to stop reaching me since my business went under after the pandemic happen, i try and keep up after i took the loan I made 5-7 payments, however my company went under. now this company is reaching out to my relatives, all over the states that they have a legal case against me, on a text message knowingly that they are reaching a third party. with the excuses that this message is for XXXX XXXX or XXXX XXXX XXXX. revealing there is debt owed. 

my relatives have received over 60 phones calls and over 30 messages. 



i wish then to stop harrasing my relatives and discussing my business with third parties they have violated several laws in references of collections practices and TCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX-Date of Inquiry : XX/XX/2021 XXXX

Company response to consumer: Closed with explanation