vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 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: FL

Complaint narrative:
On XX/XX/21 I MAILED IN VIA CERTIFIED MAIL TO EQUIFAX MULTIPLE DISPUTE LETTERS REGUARDING '' FRAUDULENT AND UNAUTHORIZED HARD INQUIRES ON MY CREDIT REPORT THAT I WOULD LIKE TO HAVE DELETED IMMEDIATELY SINCE I DIDNT CONSENT FOR THE SAID COMPANIES TO PULL MY CREDIT REPORT! I LATER CALLED EQUIFAX ON XX/XX/21 TO CHE6 THE STAUS OF MY DISPUTE! THE CUSTOMER SERVICE REPRESENTATIVE STATED THAT IT ALREADY CONCLUDED ITS INVESTIGATION AND THAT THE HARD INQUIRIES HAVE TO STAY ON MY REPORT FOR 7 YEARS EVEN THOUGH I DID " NOT AUTHORIZE '' THEM! I SENT IN SUPPORT DOCUMENTS THAT I DIDNT BUT YET THE CUSTOMER SERVICE SAYS THAT MUST REMAIN ON WHEN THERE '' FRAUDULENT '' THIS COMPANY HAS LACK OF EMPATHY FOR THEIR CUSTOMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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:
Based on the fact that the credit bureaus ignored my numerous requests to provide documentary proof that they used to verify the disputed accounts, which means that they have not verified or they can not verify any of these accounts. They failed to identify the name of a responsible person in the company who verified the accuracy of these accounts. Besides, they have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor they have removed anything found inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a debt validation request to this company via certified mail that was signed for and received on XX/XX/XXXX and rather than validate the debt I was sent nothing at all. This is a direct violation of U.S. Code 1692g within FDCPA regulation. I have proof of documentation being sent and received without any response that validates or verification that entitles me to this debt within the allotted 30 day timeframe. Please delete this information from my credit file and cease all collection activities immediately, otherwise I will be forced to report this violation of my rights under the FDCPA to the Federal Trade Commission as well as my attorney for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX I sent out a dispute letter to Equifax notifying them about the unauthorized inquiries and negative items that are being reported on my credit report. It has been well over 45 days and I have yet to receive any information regarding my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: MI

Complaint narrative:
Hello, I applied for XXXX through Fed Loan Servicing on XX/XX/2020. At that time, it showed I made XXXX qualifying payments for both of my loans. It is now showing that I have made XXXX qualifying payments for only one of my loans, the other is now showing XXXX ( XXXX if I certify my XXXX ). I received a letter from Fed Loan Servicing back in XX/XX/2020 for a XX/XX/2020 review that showed both of my loans at XXXX  qualifying payments. I was advised by them to wait until XX/XX/2020 to submit my XXXX review and that it could take up to XXXX  days. It is now past XXXX days, I get the run around on the phone every time I call and a different answer each time. I'm concerned about two things : my XXXX  loan not showing the correct XXXX qualifying payments and why this is taking so long. I know people who have requested XXXX after me and have had their loans forgiven. 

Can you please help me? Please let me know if you need any additional information. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed my XXXX account with Experian back on XX/XX/2021 providing documentation that XXXX has a class action lawsuit for bad business practices and predatory lending that forgave ppl who had loans from XXXX. I also added that I had a loan with them during that time frame and was a victim. They responded by providing me with a drafted general response basically saying they would leave it up to the debt furnisher. I wont believe this was done I because if it were XXXX would have not denied the class action lawsuit and their obligation to remove and or forgive the loan. I believe this was sent to XXXX to verify if the debt was mine.

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 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
Yes hello, I have a bad debt charge off from XXXX XXXX Swiss Colony from back in XXXX they have continually tried to hurt my credit since then and have successfully. I filed a complaint withXX/XX/XXXX credit reporting a few days ago and they/XX/XX/XXXXXXXX intentionally put a charge off on my account again as of the XX/XX/XXXXof XX/XX/XXXX the next day from my complaint to hurt my credit again, and my credit report dropped 25 points because of the complaint. This is a outright intentional doing on their part to hurt my credit again and this is not fair and not right to hurt the consumer just because they try to get the credit report redacted or taken off of their credit. 
This is illegal and I am not about to stand down because of a simple debt charge off from this company, attempting to hurt me and my credits intentionally on purpose because of a simple complaint to get it taken off and redacted this is ridiculous and on purpose this should not be allowed to hurt the consumer over such a simple thing from years ago. This is ILLEGAL and irresponsible on their part to intentionally hurt me the consumer on purpose this is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: FL

Complaint narrative:
I submitted a complaint to the cfpb this summer on this issue and you didn't get any resolution then either. I still have no access to my online Equifax account. Every time I call I'm told the EXACT same thing and I have mailed or faxed them the requested information 6 times now. I never receive a response unless I file a formal complaint which I have done for the XXXX time now. That doesn't resolve it either. I sent a certified letter this time that was received on XX/XX/XXXX with a copy of my ss card and drivers license. I was told I would receive an email or mailing confirming my updated information ( for the XXXX time ). I have received nothing and still have no access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: EAST WEST BANK
State: CA

Complaint narrative:
Dear Sir/Madam, Can you confirm to me about the following bank website? 
www.eastwestlimited.com, East West Bank PLC, XXXX XXXX XXXX, XXXX, NY-XXXXXXXX, USA, Phone number : ( XXXX ) XXXX Fax- ( XXXX ) XXXX, The following bank website with details are genuine or fake.If you are sure about the following bank website thats real not fake then i will inform you by register air mail service with the details of the complaint.If you let me know the website is fake then i will not tell you the details by mail. 
Thanking you, With deep regards, XXXX XXXX, Email : XXXX Home Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Postal/zip codeXXXXXXXX, State : XXXX XXXX, Country : XXXX. 
Phone Number : 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 2021-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: KY

Complaint narrative:
Due to the covid protection I filed months ago requesting assistance/help in paying my mortgage. I filled out the appropriate paperwork with my mortgage company. I continue to contact them and all they tell me is there is no information. They state there is no way for me to check the status of my requests either. We are now months after I submitted this assistance/request and still nothing from my mortgage company. I thought there was supposed to be assistance for people struggling with income and not being able to make mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one is reporting inaccurate payment history on an account on my file. I have not only questioned the validity but I also requested verification and proof along with my signature on any documents supporting their claims. I stated it must be provided within the time allowed by law and it was not. Therefore I requested this account be deleted and suppressed immediately. To date, my concerns have been ignored and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I have been a proud Chase customer for 20+ years. I particularly enjoyed the credit card products because of the generous rewards and swift dispute resolution. In the last 2 months I had 2 transactions that I had to dispute. For the first one I was triple charged and was obvious on my statement. Chase had shut down the ability to file a dispute claim electronically. I used the Secure Mailbox and 3 weeks later I have no response or credit. The second transaction was a fraudulent charge. Again, in the past Chase will catch these before they hit my accounts. I locked my credit card immediately to prevent further charges. I tried to call what used to be a 24/7 line to report fraud and dispute the transaction to hear a message that said to call in business hours, no mention of what these hours are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-03 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: NY

Complaint narrative:
XXXX  XXXX is reporting inaccurate payment history on an account on my file. I have not only questioned the validity but I also requested verification and proof along with my signature on any documents supporting their claims. I stated it must be provided within the time allowed by law and it was not. Therefore I requested this account be deleted and suppressed immediately. To date, my concerns have been ignored and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Sometime in XX/XX/XXXX I learned that my mortgage company had not been reporting my mortgage payments to the credit bureaus. I submitted a complaint via this agency and I received a call from Chase who's rep stated that they received no information from my bankruptcy XXXX filing in XXXX that indicated that I wanted to reaffirm my mortgage. Although I continued to pay and have been paying from XXXX, none of these payments have been reported to the credit reporting agencies which would've positively impacted any request for credit during these years in fact it is my position that the failure to report my on-time payments negatively impacted the interest rate that was extended to me over the years, creating a cumulative affect of a higher financial liability that impacts many areas of my life including insurance rates, auto loans, employment, etc. Mortgage payments carry a higher aggregate weight in one 's credit file. I requested court records from the XXXX filing in which I obtained the " Affirmation '' that was a part of the submission to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I had auto lease car with GM financial. I set up auto pay at the beginning of the lease and payments were automatically withdrawn from my account for 23 months. The last payment should have been withdrawn in XX/XX/XXXX. I assumed that like the previous payments they would withdraw it automatically. I usually check to make sure it was withdrawn. However, being a pharmacy manager at a community pharmacy, I was busy preparing to receive and administer the covid vaccine at my pharmacy that started on XX/XX/XXXX, I didnt check this time. On Sunday XX/XX/XXXX, I get an alert about a negative activity on my credit report, when I looked into it, it was a 30 day late payment on my leased car. I paid it up on discover and called GM financial asking why the last payment was not automatically withdrawn, I got 3 different answers : one was that I stopped auto payment in December and they received a confirmation. I told the representative that this was fraud because they can check that I havent opened the account since I set the auto pay 2 years ago. Then the second representative said that you scheduled the auto pay to end on XXXX not January 2 years ago! Then when I asked to spear to a manager, the manager stated that I had to pay the final payment manually! And that since they received the payment late, that cant do nothing about it. I asked to speak to a higher manager and was told he is busy and I can leave a voice mail and he will get back to me. Its been over 10 days now and he hasnt called. When I asked the representatives why I didnt get any alerts of the late payment or reminders, they claimed they called but I didnt receive any calls. I do receive e-mails form GM financial about services and rewards, but no e-mails about late payment or auto payment stopping. Ive had leased cars before and never had such a problem before. I disputed the late payment on my credit report but bank still wont remove it. Never had a late payment. I tried everything I could to remove it, but bank is not cooperating and representatives are were not nice about it. Tried to find excuses for the deceptive procedure they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Levinbook Law Firm, P.C.
State: NY

Complaint narrative:
The medical company submitted incorrect insurance information and is trying to collect the balance which they claim is owed. The insurance should have covered the bill. I have 2 insurance providers. Additionally this was a yearly physical which is provided free of charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
Yes hello, I have a bad debt charge off from XXXX XXXX Swiss Colony from back in XXXX they have continually tried to hurt my credit since then and have successfully. I filed a complaint with XXXX  credit reporting a few days ago and they/XXXX XXXX intentionally put a charge off on my account again as of the XXXX XXXX  XX/XX/XXXX the next day from my complaint to hurt my credit again, and my credit report dropped 25 points because of the complaint. This is a outright intentional doing on their part to hurt my credit again and this is not fair and not right to hurt the consumer just because they try to get the credit report redacted or taken off of their credit. 
This is illegal and I am not about to stand down because of a simple debt charge off from this company, attempting to hurt me and my credits intentionally on purpose because of a simple complaint to get it taken off and redacted this is ridiculous and on purpose this should not be allowed to hurt the consumer over such a simple thing from years ago. This is ILLEGAL and irresponsible on their part to intentionally hurt me the consumer on purpose this is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TX

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
About three weeks ago, on XX/XX/XXXX I approached the bank representative at Huntington Bank on XXXX XXXX XXXX XXXX in XXXX Ohio to inquiry about a secured credit card or an unsecured credit card as I am attempting to establish credit. XXXX XXXX advised me that I was approved for a secured and I would receive it within a business week. 

I received a Letter of Denial due to no prior credit history. I called XXXX XXXX on XX/XX/XXXX and she advised that she did not tell me I was approved although she did have access to my credit history ( or lack thereof ) I am at a loss as to the services at Huntington Bank can offer a customer attempting to establish credit and there were no other credit options provided. 

This Letter of Denial can affect my military security clearance and promotion and I do not believe that full disclosures were made prior to application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/block all access to my file and contact me directly at my phone XXXX XXXX XXXX or email me at XXXX I need a PIN for all my credit reports ASAP

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