vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reported a case of fraud on my XXXX XXXX  credit card to CFPB, Case # XXXX. Though CFPB 's intervention resulted in a XXXX XXXX  investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. XXXX XXXX  should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at XXXX XXXX. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from XXXX XXXX, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. XXXX XXXX  has mishandled this entire matter from the beginning.

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 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
We paid off a coop mortgage loan in XXXX, but Mr Cooper still has not terminated the state UCC 4 years later. Their employee XXXX XXXX said to contact her directly in a letter dated XX/XX/XXXX. So, my attorney sent her a letter on XX/XX/XXXX, she did not respond. Then, my attorney followed up with her again 2 weeks later, and still got no response. I called her, left voice messages, emailed her numerous times, including XX/XX/XXXX and XX/XX/XXXX of this year. Four years have passed, her failure to respond has prevented us from selling the property. This is extremely poor customer service, especially she is a Customer Relations Specialist, and is in violation of the law to terminate UCC in a timely fashion after the loan is satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Sat XXXX XXXX I rented a car from XXXX Car rental located at XXXX XXXX XXXX XXXX XXXX XXXX FL. A fraudulent charge on my CHASE BANK debt card in the amount of {$4600.00} by XXXX XXXX EXPORT on XX/XX/21. I didn't have sufficient funds to cover that fraudulent charge but CHASE BANK was neglect and paid the transaction and is holding me responsible with my Chase Bank checking account overdrawn. I strongly believe Law enforcement and Legal action is warranted against CHASE BANK and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX card which required a personal credit check. After being declined, I called to inquire as to what I could do for possible reconsideration. After speaking with the rep they reassured me that I would not get a hard inquiry as a result of my reconsideration inquiry. The next day I received another hard inquiry for the same card... so two inquiries for one card which is now having an unnecessary adverse effect on my credit report. In the end, I never received the card.

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 2022-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX to purchase a vehicle on XX/XX/2021. I said that I wanted to purchase the vehicle using a personal check, not getting a new loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The customer service agent and finance group told me that they would NOT need to pull my credit for me to pay with a check. They asked for my social security number, and minutes later I received a notification from Experian that an additional credit inquiry had shown up on my account. I am in the process of looking to buy a house so my credit score is very important, and I believe this inquiry affected it negatively. 

I would simply like XXXX XXXX to remove the inquiry from my record. I have contacted them 3 times over the phone, and once in person at the time of the vehicle purchase, to remove it, but I have not received a 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 2022-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-03-01 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any assistance fromn a third party or agency. Please see the provided documents attached and ID as it entails my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XXXX, XXXX XXXX I entered into a settlement agreement with American Express as a result of civil suit filed against for outstanding debt for account ending in XXXX. As a result of the settlement, American Express and I agreed for me to pay {$18000.00} over the course of 12 months in installments of $ XXXX. The terms of this agreement were met on with my last payment on XX/XX/XXXX. I received paperwork between XX/XX/XXXX and XX/XX/XXXX from the law office ( XXXX XXXX XXXX ), the state court of XXXX XXXX and American Express staying that my account was settled and paid in full ( documents attached ). American Express is still reporting to the credit bureaus that I have an outstanding balance of {$11000.00} and is not willing to honor the previously agreed upon settlement after many attempts. I would like my credit reports to reflect this account is settled and paid in full and no further calls from American Express saying I owe a false amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and I give authorization to move forward with this complaint. Please see the attached documents and identifying identification as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX {$1000.00} XXXX {$1100.00} XXXX {$500.00} I was scammed. I believed these people on XXXX were really going to help me. They said they were a XXXX investing company and would help me invest a lot of money because XXXX was booming right now. I can not believe I fell for this. I spent my families savings. I need help. Please 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 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I submitted payment on-time, but payment fell on a United States Federal Holiday and weekend ( Saturday ). Avants system twice cancelled my additional scheduled payments after this original date of XX/XX/2022 twice XX/XX/XXXX and XXXX, 2022. Upon contacting Avant customer card and speaking with a gentleman, I was told a waiver of the late fee of {$27.00} would be applied. This late fee was not applied. I called again and was told this lie again as well as by email and no reversals of fees or late fares whatsoever. When I sighted them the protections I have under the Credit Card act they shrug it off an say that doesnt apply to me or that XXXX runs their Avant credit card and they Avant have no control over lates fees or other fees. I even have requested accommodations due to Covid-19 for deferment of my minimum payments and Avant denies this accommodations as well. Sad, because my other credit card companies owned and run by some of the United States biggest banks are willing to help me with their cards. Why does Avant get allowance from the federal government to abuse me and others I have read about in complains in the web?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: OK

Complaint narrative:
This is a complaint against timeshare XXXX XXXX XXXX - XXXXXXXX XXXX XXXX. The people we dealt with told us that we were making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. We were also told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They opened a credit card. They offered gifts like {$100.00}. They have our ID during this process. We felt extremely pressured during the whole process, they even used threatening statements when we asked assistance in selling. We didn't know how to cancel, we were never properly educated of it like how many days to cancel and such. We tried requesting to cancel but we were never assisted. We had the worst experience with this timeshare, we were highly pressured with their sales tactics. We were under impression that it was a bargain deal being offered to us, purchasing someone else 's timeshare that they needed out of. Thus, we were led to believe that they actually assis owners who need to sell and exit. We were simply defrauded and lied to. We're elderly, it felt our age were used and had been taken advantage of. Having this timeshare just gave us hardships than giving us a way to relieve our stress for people our age, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people like us. We had financial difficulties, negatively affecting our credit scores because of this, loss of income, can't pay bills etc. Experienced work stress and issues due to this timeshare, plus emotional relationships were affected well. All we got is being stressed out ever since we had this timeshare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX, reported to the three major credit bureaus, i.e. Equifax, XXXX and XXXX, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rozlin Financial Group, Inc.
State: UT

Complaint narrative:
Rozlin Financial Group collected debt from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX didn't have the right address or phone number for me and I never was noticed of a payment I needed to make. I found out years later that this was on my credit report. I then payed it but I still need this to be removed from my report. I don't deserve this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TX

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 2022-03-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022

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 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I received a summons from the XXXX XXXX XXXX XXXX XXXX. The summons stated that I had to appear in court on XX/XX/XXXX, at XXXX XXXX. The attorney 's office XXXX XXXX XXXX was representing a company by the name of Cavalry SPV I LLC. The amount that I was being XXXX for was {$3500.00}. After receiving the summons I respond by sending three letters to address this issue. The following letters were a Cease & Desist, Debt Validation Letter, and another requesting other information to support the company 's right to collect this debt. All XXXX letters were sent on XX/XX/XXXX to Cavalry SPV I LLC and to XXXX XXXX XXXX  along with a green-certified return receipt via the US post office. On XX/XX/XXXX I received a packet from XXXX XXXX XXXX and a letter that stated an account with XXXX XXXX Shop Your Way with account # XXXX. The account was opened on XX/XX/XXXX for the amount of XXXX XXXXXXXX packet also contained a stack of billing statements from XXXX, no documents previously requested validating the right to collect the debt. One of the green-certified cards was returned on XX/XX/XXXX by Cavalry SPV I LLC. On XX/XX/XXXX I appeared in court at that time I was asked by the XXXX XXXX XXXX 's attorney to make payment arrangements. I decline to do so because under the Consumer Protection Act I was not given the information I requested and my rights are being violated. The attorney showed me a document signed by a representative from XXXX that I had not received but requested. A new court date was set for XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received the 2nd packet very much like the first one however it stated that I opened the account with XXXX on XX/XX/XXXX. This is a very huge difference at less by 10 days according to 1st letter. I did not sign a contract with this company. I did not give them permission to contact any creditor or credit agencies. One hardship that I experienced was I had a store credit through XXXX for two years that was closed due to Calvary negative reporting that was in good standing. I can not apply to move to a new home because my credit is being negatively affected. I will attach my documents to support this complaint.

Company response to consumer: Closed with explanation