vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: CA

Complaint narrative:
there are incorrect address and incorrect names in the credit 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 explanation
Consumer complaint received 2021-12-10 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:
there are incorrect address and incorrect names in the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I XXXX XXXX XXXX checked my consumer report on XX/XX/2021 and I noticed some damaging information that was listed on my consumer report I then reached out to the agencies that were reporting the false information to correct the situation but they refused to do so

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: CA

Complaint narrative:
Pondered & later applied for credit to buy a car. I have outstanding credit scores from the " Big 3 '' bureaus. Was denied credit based on a report by XXXX ( now LexisNexis? ) Made request for credit report to determine problem. Letter from LexisNexis indicated " unable to process request ''. Made numerous phone calls... no response ; not one.

Letter from LexisNexis " encouraged '' me to resubmit credit report request. This I attempted, several times. EVERY time received the following response " An internal system error has occurred and we are not able to process your request. Please try again later. '' This has been over a 2-week period. 

I find this outrageous. Where is the CFPB on this? When I search the internet I find numerous complaints against XXXX. What's it take to get action on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I XXXX XXXX XXXX checked my consumer report on XX/XX/2021 and I noticed some damaging information that was listed on my consumer report I then reached out to the agencies that were reporting the false information to correct the situation but they refused to do so

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 2021-12-10 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: OH

Complaint narrative:
I reported this to Equifax and XXXX. This fraudulent account keep returning onto my credit report and it cause me to not close on my home. I would for this issue to resolved and removed immediately from my Credit report! I did file an FTC with a reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: OH

Complaint narrative:
I reported this to XXXX and Experian. This fraudulent account keep returning onto my credit report and it cause me to not close on my home. I would for this issue to resolved and removed immediately from my Credit report! I did file an FTC with a reference # 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 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Unfortunately My father passed away XX/XX/2021. I was left to keep up with everything. I found 3 checks under my fathers name at home, he had the tendency of sometimes forgetting to cash them out, so with everything going on ( funeral, bills, school, mychildren, work ) I didnt have time to go up to the bank ( chase bank ) so I deposit all 3 checks to my account thru my mobile app didnt think it would be an issue since Im his XXXX daughter. I deposit 2 of them on XX/XX/2021 one for the amount of {$700.00} which was returned for altered and another for {$630.00} which was returned for NFS and the 3rd one was deposit via atm XX/XX/2021 for the amount of {$550.00}. I went to the bank office and I also called explaining the situation I had no way of knowing if they where cashed or not I also tried to explain he passed away but he signed all 3 of them tried to provide death certificate but I was turned away without any help or chance. And was told my account would close without further investigation. 
I wasnt even told I had to find out thru my mobile app. I never received a letter from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: Park Hill Holdings
State: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my rental history on my consumer report, I have found that there are 2 fraudulent Identity Theft items listed. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following 2 fraudulent rental history court record items I wish to dispute on my consumer report : XXXX XXXX case number XXXX, Suit date XX/XX/18 and XXXX XXXX XXXX XXXX case number XXXX, Suit date XX/XX/2018. I have never lived at those apartmenta or addresses and how can I have possibly have 2 landlord/tenant jidgements within 6 weeks of each other. I have been a victim of Identity Theft a few years ago and strongly belive this is a continuation of my past issue. By Federal law you are requested to list complete accurate information and you are listing 2 fraudulent identity theft items. I have lived at my current apartment for over 5 years. Per Federal Law when a consumer informs the consumer reporting agencies of Indentity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report, State ID and social Security Card for viewing and verification. Per the FCRA

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 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
They say the have an excellent service. I don't think so. They put a restriction in my checking acct. I have no idea what happened. This is unfair, how they restrict my money. I'm the only paycheck for my family of 2 kids and wife. I'm crying. I have 2 hours trying to solve it. They have somebody named XXXX or XXXX just transfering to nowhere. Why you pay a person to solve nothing? She is just transfering where they never will answer and solve it. What is going on? Horrible situation. They have millions. Why they want steal or retain my money? Unblock the restriction and give my money back. A compensation of more than {$500.00} for the incovenience sounds good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: U.S. BANCORP
State: AL

Complaint narrative:
I have a XXXX XXXX credit card issued by U.S. Bank. My card has been inexplicably been declined over 3 times. The app wont let me log in due to technical difficulties. I called them and was on hold for over 20 minutes. I am not sure what is going on but hope someone can give me some answers.

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 2021-12-10 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: FL

Complaint narrative:
In previous letters I have requested that you review the information, contained in the credit because it is not correct, but they have not given me an answer, this is not 100 % true

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I contacted my credit card company to settle the debt that was owed. I was informed that my debt had been sold to Midland Credit Management and was provided a phone number of XXXX. I called and spoke with a woman with a foreign accent named " XXXX XXXX ''. I explained to her that my husband and I were in the process of obtaining a home equity loan to pay off our creditors, and that when I had previously spoken to my credit card company they were willing to settle the account for the amount of {$7500.00}. I explained that in the time that had passed that we received the letter from them and that our approval was given and our closing was scheduled, the credit card had sold the debt to them. I asked if they would be willing to accept the same offer that we were provided by the credit card company and that I hoped that they would because the loan acceptance was based on those figures. She said that she could not accept {$7500.00}, but would accept {$7700.00}. I said that would be great, and I would like to accept that offer. I asked if she would please send a settlement letter and she agreed that she would. I waited the whole day before calling back because I did not receive the letter. I called back at 4pm and was assured that I would receive a letter. I received an email with a link to click on that took me to their website. I logged in with my account information and saw that there was a " custom offer ''. I clicked the link, but it would not allow me to accept the offer. I have called back and spoke with at least three other people ( including a manager ) who are unwilling to generate a letter for me. How is that they have offered this amount to me to settle, but will not generate a letter stating such? The only thing that my online account states now is that I have made a payment arrangement in that amount, but it does not indicate that the account will be paid in full upon paying it. What is to keep them from coming after me for the difference after I pay them? They have not provided me with a statement to their figure that they said they would accept as payment in full. I know that they are capable of doing this because I have another account with them in which they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
Im disputing a property tax bill I received from Honda in the amount of {$630.00}. As shown in the attached DMV document the plates were cancelled on this vehicle effective XX/XX/2021. Honda is well aware that the return procedure for plates changed due to COVID-19 hence there was no option to walk into a local tax office to provide this notice. Further, I XXXX XXXX XXXX XXXX XXXX XXXX so the tax notice was sent to Honda and then billed to me making it even more difficult for me to dispute the tax bill since its not in my name ( due to the lease ). I have spent countless hours speaking to different representatives in an attempt to resolve this issue to no avail. 

I called XX/XX/XXXX and sent an email as evidence in the attached to request the refund Im entitled to but have not received a response or confirmation that the abatement process was initiated despite being told numerous times they would start the process. It has been approximately XXXX months of going back and forth and Im in the same place that I started. Honda can easily trace the calls by using my mobile number as listed on the account. As of today, a representative by the name of XXXX provided an abatement case # XXXX and stated it would take approximately XXXX months to reach resolution. 

This is completely unacceptable. I have replied to Honda Customer Survey concerning this matter, their contact center via chat support and phone and also by the email they provided. Today I was told there is no way to track the progress of this case and that they would not be sending any type of confirmation of this complaint and/or resolution. Please help get American Honda Corporation to do the right thing. Per my research they have multiple litigated cases for similar matters and unfortunately they are up to old habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I have communicated with the XXXX major credit bureaus in regards to an account with XXXX XXXX XXXX ( that does not belong to me ) that is now charged off and impacting my credit. I requested to have proof of my signature from the credit bureaus of which they could not provide and the account remains. This account is now charged of to a collection agency : MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ ( XXXX ) XXXX XXXX Amount : {$650.00} Account Number : XXXX : XXXX This company has been attempting to collect a debt that does not belong to me nor are they able to provide viable proof that this account with XXXX  XXXX belongs to me. 

They have sent me documents that has an address that is not associated with me. The address that they have is not my current address nor have I lived there. I would like CFPB to hold XXXX  XXXX accountable and MRS BPO , LLC for not legally reporting an account that is not mine. I have communicated with both entities via mail to request that this account is removed. They are not cooperating with the Fair Credit Reporting act to require an actual signature or supporting documents to prove this account belongs to me. 

This collection agency is practicing unlawful methods to obtain money for an invalid debt. 
I would like this account removed at once. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
I am currently in process of a mortgage with Navy Federal Credit Union. I have several concerns including misinformation and dishonesty within the process. Currently, although I am told it was complete, they are refusing to provide me a copy of my appraisal, an appraisal that I paid for over XXXX  days ago and am told was completed on Originally our closing was set for XXXX, I had to call and email 3 times on XXXX to advise them that I had not received my CD and that I have enough knowledge to know that we could not close on time had I not received it that day. I was then told that my loan XXXX was out and had been for 4 days, and, oh yeah we'll just move that back. I've asked to speak with a supervisor several time. I have also emailed her directly. She has never returned my calls-she did reach out to my co-applicant, but did not answer my questions. I again reached out to her and she has yet to respond to me in anyway. I formally requested a copy of the appraisal again today. I emailed my request to the mortgage officer, her partner or back-up, and the supervisor only to receive an email from the agent telling me that we could not access the document. I'm told that the appraisal is what is holding my mortgage, but that it is complete, so clearly either someone is intentionally misleading me or there is a serious breakdown in communication and processing of mortgages within this organization. Furthermore, I am being told by the listing agent that no one ever contacted her to walk through the property and it is my belief that the appraisal has not been done and that I am being lied to. Either way, if they do not have this rectified by XX/XX/14 in time for the CD I will lose the house as seller advised he will not extend again. I shared this information with Navy Federal and were basically told that is unfortunate, but not their problem. I have paid a non-refundable {$500.00} option fund, a {$670.00} inspection fee, and {$550.00} for the appraisal. What recourse do I have if I am out those funds due to their inept servicing of my file? 
I would be happy to provide XXXX numbers as well as copies of emails if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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:
I am requesting the credit bureau present proof to me that I opened up a XXXX XXXX XXXX  account number XXXXThis account is currently listed on my account as a charged off account. Under the Fair Credit Reporting Act I can make a debt validation request. I am now making that request for the above mentioned 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 non-monetary relief
Consumer complaint received 2021-12-10 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 requesting the credit bureau present proof to me that I opened up a XXXX  XXXX XXXX account number XXXXThis account is currently listed on my account as a charged off account. Under the Fair Credit Reporting Act I can make a debt validation request. I am now making that request for the above mentioned account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
My vehicle was unfairly XXXX from CNAC I tried to do everything possible to get it back and they wouldn't allow it and they sent me a letter stating that I had XXXX  days to come collect my things from inside the vehicle and that they would be selling it and however much they sold it for would come off of my remaining balance on the vehicle. However they did not follow that. I recieved a paper stating that they sold the vehicle for {$0.00} and that I still owed the full amount! I know they sold the vehicle for {$2900.00} because I seen it at XXXX XXXX XXXX and ensured that it was the same vehicle by checking the vin and I was told how much they purchased it for, not to mention all of this is free to lookup online! So I want this removed from my credit report bc they fraudulently reported it and have hurt my credit score long enough. They weren't at all fair in the entire process of buying the vehicle in the first place. And I have disputed it several times online and nothing has been done! Even when I submit the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
I have continually tried to contact fedloans.gov to confirm that my PSLF form has been submitted and receive information regarding my loan payments. each time that I call, if I stay on hold, I am on hold for over an hour and when the phone is finally answered it automatically hangs up on me. If I request a call back, it has taken as long as 3 hours to receive that call, and no one answers the line when I pick up the phone.

Company response to consumer: Closed with explanation