vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-28 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NH

Complaint narrative:
Today, on XXXX I received an alert on my XXXX credit monitoring service, that a company called ALDOUS AND ASSOCIATES reported a collection on my credit file. The date of the aforementioned collection was reported on XX/XX/22, with the original creditor name of " XXXX XXXX XXXX XXXX '', for the amount of {XXXX}. 

I have never been contacted by ALDOUS AND ASSOCIATES. Not by phone, email or mail. I did not receive a notice as to the debt in any form, the first time I became aware of this allege debt was to see it as a derogatory report on my credit file, today on XX/XX/22. 

ALDOUS AND ASSOCIATES violated rule ( 15 U.S.C. 1692g ( a ) ) by reporting a derogatory collection to the credit bureaus without sending me a Debt Validation Notice. 

Furthermore, The report that was filed is missing several key metrics that are required for a legitimate derogatory report to be valid. 

Information missing from XXXX 's collection file : Amount Past Due : Not Reported Account Type : Not Reported Credit Limit : Not Reported Amount Past Due : Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Reported Payment Frequency : Not Reported The negative impact on my credit report due to this erroneous claim is significant. I am requesting that it be removed immediately, and that the creditor ALDOUS ASSOCIATES provide all required information to lawfully report this debt to the credit bureaus. 

ALDOUS ASSOCIATES XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: BARCLAYS BANK DELAWARE
State: CA

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

Company 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 2022-03-28 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: WA

Complaint narrative:
My wife had 2 accounts with XXXX and closed both accounts and they were reported as closed and paid on time. However, on my XXXX and Transunion it is showing a 30 day late that never happened. I am attaching my XXXX that shows it paid ontime/closed and then my wifes reports showing no late payments ever. I was an authorized user and have been told that it has to go through the main person, however her reports are accurate so no dispute can be made.

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 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc.
State: GA

Complaint narrative:
I have disputed this account with the creditor as well as the credit bureaus mutliple times. Both of which have failed to respond or send any proof that this debt is actually valid and legal. I believe this account also violates my personal HIPPA rights as it clearly shows its from a XXXX office and if you look at the account the reported dates are inaccurate across all 3 bureas which i believe is another violation of my rights. I have sent letters in XXXX and again in XXXX regarding this specific account and no one can seem to get back to me or fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had an existing Chase Freedom Visa with a {XXXX} credit line. I opened a Chase Southwest Rapid Rewards Visa is XXXXXX/XX/2021. Chase transferred a credit line of {XXXX} to the Chase Southwest Rapid Rewards Visa from the Freedom Visa in order to open the new account. I tried to close the Southwest Rapid Rewards Visa a year later and restore the full {XXXXXXXX} Freedom Visa credit line. 

Chase refuses to restore the Freedom Visa credit line in full - and will only transfer {XXXX} back to the Freedom Visa credit line from the Southwest Rapid Rewards Visa. The explanation is that because there is a {XXXX} balance ( annual fee for XXXX ) on the Southwest Rapid Rewards Visa , the full credit line that I used to open the Southwest Rapid Rewards Visa can not be restored. 

According to Chase 's XXXX XXXX, the issue can not be escalated and the system will not allow him or anyone else in the company to do it. The only other solution is for Chase to perform a hard credit check to see if I qualify for a credit line increase on the Freedom  Visa. I have now closed the Southwest Rapid  Rewards Visa and XXXX says he is transferring only {XXXX} back to my Chase Freedom Visa credit line - but under no circumstances will Chase restore the full {XXXX} credit line on the Freedom Visa - even though that was what I was promised time and time again in my phone interactions with Chase customer service when I opened the Southwest Rapid  Rewards Visa and when I started trying to close it. 

I want my original credit line restored without a hard credit check. It makes no sense that I would enjoy the full XXXX credit line ( distributed over two credit accounts ) if I didn't close my Southwest Rapid Rewards Visa account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For about 6 months, I havent had access to my equifax report. I tried to log in on their site, and it said that it was an NH error code. I called them, they told me their system was down. I called again, and we found out that my account was locked. We worked to unlock it, then I attempt to log in and it says that they were temporarily unable to perform that. I also tried to access it from annual credit report, and its blocked from there too. Its also blocked on my credit monitoring account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My name is XXXX XXXX i have a suntrust/Truist my account had been locked a year it's been closed open closed open to locked for withdraw i have did everything i was suppose to do and is still locked i have XXXX dollars in my account i want to be able to access my account since the merge to Truist bank i have not recieved my card and not been able to access my account online

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 2022-03-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed for Chapter XXXX bankruptcy sometime in XX/XX/XXXX and was discharge in XX/XX/XXXX. It took 5 years for the discharge because my bankruptcy lawyer was suspended and went to jail, so I have to finish my Chapter XXXX without the help of a lawyer. I am trying to refinance my home at the moment and it turns out my second mortgage company put a lien on my property without letting me know. I assumed that my second mortgage was XXXX by the bankruptcy court because my second mortgage company stopped sending me bills since the start of my bankruptcy proceedings. It is like it went on " zombie '' account and they hid the statement from me that I still owe them money. After I contacted them to release the lien, they are trying to collect the $ XXXX that I owe on the second mortgage. this put me in a bad position and will not be able to afford the mortgage payments. I am current with my first mortgage and excellent payment schedule. I am XXXX XXXX XXXX and ready to retire and hopefully will be able to file this complaint against my second mortgage company as a violation of Elder Financial Abuse by the second mortgage company. Can you please let me know if you can help me in this situation? Thank you very much.

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 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: AR

Complaint narrative:
A Discover card was fraudulently opened in my name. Account date opened in XXXX. The bill was sent to another address or post office box number that I was not aware of. The credit limit was {$17000.00} from XX/XX/XXXX to XX/XX/XXXX. The account was closed on XX/XX/XXXX. The high balance was {$15000.00} from XX/XX/XXXX to XX/XX/XXXX. I received a summons today and was made aware of the account. Presently I am disputing it and reporting fraudulent activity. Also, freezing my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have submitted several request for Equifax, XXXX and XXXX to investigate a few things that are reporting on my credit report that I believe are inaccurate. My request for them to investigate was on XXXX and then again on XXXX. They have failed to respond to any of my request. After my research online, I was under the impression that they are required to respond to any request to investigate from a consumer based on the FCRA rules. I have waited way past the 30 day rule and even sent a 2nd request asking about my first request and still no response. I pay a credit monitoring system every month so that I can view my credit report to see if they are at least updating or acknowledging my request and unfortunately every month I am disappointed to see that nothing has been updated or removed. They are showing last active dates updating but no responses as to how or what they did to verify or update the account. We are now going into XXXX and I am frustrated with this as my credit is suffering because of these inaccuracies reporting on my report. I am sending now my 3rd set of letters in hopes that they will finally respond and help me with a solution of my request. After further research, I found this site and am hoping to get a response and now a resolution since they have failed to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
This SCAM XXXX XXXX was suppose to be doing a no down VA loan. Then he tries to scam me out {$90000.00}. He logged into my bank and made false and misleading statements. He also did not want to do the loan because my realter is XXXX XXXX. This XXXX XXXX is a low life SCUM bag that is XXXX. He should have his license terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

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

Company 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 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
We purchased a property with Homepoint, in XXXXXXXX XXXXXXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We submitted all the proper documents, including the insurance binder. Everything was approved, and we received the mortgage. A few days ago, we got a letter in the mail ( attached ) demanding that we add wind coverage to our policy. We also emailed Homepoint with the current binder ( WHICH THEY APPROVED!! ) and asking them to dismiss this ridiculous request. 
PS - I apologize about the stain on the letter from Homepoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I called Citibank and Wayfair once I saw the late payment notification on XXXX. Both companies confirmed on a recorded line that I paid off all debts.

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 2022-03-28 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:
There is a XXXX account on my credit report, showing on my XXXX, Transunion and XXXX. The amount is {$170.00}. I have no knowledge of this account. This was fraud. 

I contacted XXXX and they were able to do investigation and find out that the account was indeed fraud. They emailed me a letter and states the account was fraud and not mine. 

XXXX said they will reach out to credit bureau to remove this incorrect information but it is still reporting on my credit report. 

I am attaching the letter I received.

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 2022-03-28 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:
There is a XXXX account on my credit report, showing on my XXXX, XXXX and Equifax. The amount is {$170.00}. I have no knowledge of this account. This was fraud. 

I contacted XXXX and they were able to do investigation and find out that the account was indeed fraud. They emailed me a letter and states the account was fraud and not mine. 

XXXX said they will reach out to credit bureau to remove this incorrect information but it is still reporting on my credit report. 

I am attaching the letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am very concern why Navy Federal Business Department closed my account and Credit card but, leave an open saving account thats still active as of to day. I have been a loyal and a great customer with navy federal since XX/XX/XXXX. On XX/XX/XXXX I had randomly received a message through navy federal portal that my account will be closed within XXXX days due to high risk XXXX. No warning letters or letters mailed letters to my address regarding my account closing. However, I had been with this bank since XXXX with know complaints. Since my account been closed within a short notice. I was told by the representative my credit card will be closed as well. For-some reason within that week that the credit supposed to be closed down. Someone used the card and made purchases on the credit card without my consent. I am very wary about navy federal system. I believe my account has been target as fraudulent and tampered with. I had ask many questions regarding my business account and why its closing. and couldn't get a fair answer any proof on why my account is closing. And I feel its not fair to me as a loyal customer my account is closed due to not enough information to tell the customer on why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: NY

Complaint narrative:
There is a XXXX account on my credit report, showing on my Experian, XXXX and XXXX. The amount is {$170.00}. I have no knowledge of this account. This was fraud. 

I contacted XXXX and they were able to do investigation and find out that the account was indeed fraud. They emailed me a letter and states the account was fraud and not mine. 

XXXX said they will reach out to credit bureau to remove this incorrect information but it is still reporting on my credit report. 

I am attaching the letter I received.

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 2022-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
Genesis Financial d/b/a Genesis FS Card services has failed to properly apply the proper payment to the account. I XXXX ; XXXX XXXX, has sent an endorsed instrument to the payment center as well as the CFO with instructions on how to apply to the account. Genesis FS Card Services has failed to send any notice of dishonor as required by U.C.C. 3 - 503. 12 CFR 411 states that Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. Genesis FS Card Services is engaged in unauthorized use [ means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ] of my credit card [ defined as any card, plate, or other single credit device that may be used from time to time to obtain credit. 12 CFR 1026.2 ( a ) ( 15 ) ( i ) ] as they are receiving access to my credit but requiring me to go beyond endorsing my instrument which benefits me none. I am aware that 18 usc 8 means all debt is the obligation of the US and Genesis FS Card Services is fraudulently demanding payment and threatening to close my account which counts as adverse action. Full penalty will be pursued for failure to comply with truth in lending act.

Company response to consumer: Closed with explanation