vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. I am dealing with Sun West Mortgage. My loan number is XXXX. I called them on Tuesday, XX/XX/2021 to request the COVID relief plan for 4 months and have heard back from them. My phone number is XXXX if someone can assist and help me in this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have sent US Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate these accounts from my credit reports asthey are my father 's who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged these accounts so to add extra length to debts that are not 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 non-monetary relief
Consumer complaint received 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. 15 usc 1666 they can not report alleged late payments to my consumer report.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer 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 non-monetary relief
Consumer complaint received 2021-12-30 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: MI

Complaint narrative:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. 15 usc 1666 they can not report alleged late payments to my consumer report.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I printed out my statement with Capital One Walmart Rewards card and my balance owed was roughly {$2900.00}. I mailed this amount in to Capital One. On XX/XX/XXXX Capital One applied this to my account and said I still owed {$180.00}. Even if you were to take into account the interest and cash advance interest I owed, they only total {$68.00}. 

I'd like for Capital One to explain where they are generating the additional interest of {$110.00} that is being charged to my account. 

I think that they are gauging me as I attempted to pay off my account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RevMD Partners, LLC.
State: SC

Complaint narrative:
COMPANY FAILED TO : 1. VALIDATE A BUSINESS AGREEMENT CONTRACT WITH THEM AND SAID XXXX XXXX  XXXX XXXX 2. HAS PLACE THE MEDICAL DEBT ON MY CREDIT WITH THE 3 MAJOR CREDIT BUREAUS THAT I OWE SAID DEBT OF {$1200.00} WHEN IN FACT ON PAGE 2 OF ATTACHMENT, IT IS WRITTEN OFF AND {$0.00} BALANCE IS DUE. THIS COMPANY IS TRYING TO COLLECT A DEBT THAT IS NOT OWED.

3. IT IS AGAINST THE LAW FOR A DOCTOR TO COLLECT ON A WRITTEN OFF DEBT FROM THE INSURANCE COMPANY.

4. I DO NOT KNOW WHO THIS COMPANY IS WITH MY MEDICAL INFORMATION WHICH IS A VIOLATION HIPAA PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-12-30 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: CA

Complaint narrative:
Account reported inconsistencies in the months between XX/XX/2019 XX/XX/2019 by identifying/reporting inconsistent late and on time payments for stated months and therefore not consistent. The account was eventually charged off yet that also was not reported on the account. I asked for documentation such as signed application proving this inquire made myself or otherwise contact the national credit bureaus to have them delete the disputed item as soon as possible.

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 2021-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Lease term was for 3 years with Chase Auto Finance. After the final payment on the lease was made, we requested to purchase the car and were sent paperwork along with a final amount due to purchase the vehicle. We procured a cashiers check for the amount of {$18000.00} and had it sent via XXXX. The check was delivered and received on XX/XX/XXXX ( 7 day before the termination of the lease agreement ). On XX/XX/XXXX the check had not been posted, so I called and was told that processing of payments required 10-15 business days. I called again on XX/XX/XXXX to inquire about the process and was told to call back again on XX/XX/XXXX. On XX/XX/XXXX I called and was told that the check and paperwork had not been located, that an investigation would be opened into the status of the check. During the XX/XX/XXXX call I was told that the payment team would send a physical letter to my address regarding the outcome of the investigation within 1 week. On XX/XX/XXXX I call again and was told, after speaking with an escalation specialist, that the check was located and the payment process would be expedited. On XX/XX/XXXX I open some mail to find a letter drafted on XXXX XXXX indicating that I have defaulted on my lease and unless immediate action is taken, Chase may begin the process of repossession of the car within 10 days of the letter. On XX/XX/XXXX I call Chase and speak with an escalation specialist as well as a member of the quality team. The member of the quality team assures me that the delinquency being reported to the credit bureaus would be back dated, no repossession would occur, and that I would have a response as early as the end of the day Monday XX/XX/XXXX or as late as Wednesday XX/XX/XXXX. Having not been contacted, again I call Chase motor finances on Thursday XX/XX/XXXX and spoke with a member of the quality team that informed me that no check had been found yet and that they would continue the investigation but would likely not have any news for me until the beginning of the new year. I have still not received a letter from the payment team and at this point I am concerned with the damage being done to my credit and the likelihood of repossession of a car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30 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:
XX/XX/2021 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. It seems that a new account not belonging to me is appearing every few days. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-12-30 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: CNG HOLDINGS INC
State: GA

Complaint narrative:
I need these items removed from my credit report. On XX/XX/2021 I sent a notarized identity theft affidavit, and police report to the creditor, and items have not been removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I CONSUMER XXXX XXXX RECEIVED A RESPONSE FROM SOUTHWEST CREDIT SYSTEMS FROM XXXX XXXX XXXX PROGRAM XXXX IN REGARDS TO AN ALLEGED DEBT FOR {$240.00} OWED TO XXXX. THE RESPONSE DOES NOT SHOW PROOF THAT I XXXX XXXX KNOWING AND WILLFULLY EXTENDED THIS CREDIT TRANSACTION. FURTHERMORE, THE ADDRESS LISTED ON THE ACCOUNT TRANSACTION ACTIVITY SHEET SHOWN AS EXHIBIT A IS NOT CORRECT. I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX, PA XXXX IN MY LIFE. LASTLY, SOUTHWEST CREDIT ARE IN VIOLATION OF 15 USC 1681M ( F ) 1. NO PERSON SHALL SELL, TRANSFER FOR CONSIDERATION, OR PLACE FOR COLLECTION A DEBT THAT A PERSON HAS BEEN NOTIFIED UNDER SECTION 1681C-2 OF THIS TITLE HAS RESULTED FROM IDENTITY THEFT. I AM 100 % WELL AWARE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) SOUTHWEST CREDIT ARE CRIMINALLY LIABLE FOR GIVING AND PROVIDING FALSE INFORMATION TO THE CREDIT BUREUS. I AM AWARE THAT UNDER SECTION 15 US 1640, SOUTHWEST CREDIT ARE NOW LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS ALLEGED DEBT. THEY ARE NOW LIABLE FOR 2X OF THE FINANCE CHARGE WHICH IS {$480.00}. LASTLY, SOUTHWEST CREDIT ARE VIOLATION OF 15 USC 1692B ( 5 ) AS WELL AS 15 USC 1692B ( 2 ) BOTH MARKED AS EXHBIT B & C

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Nelnet, Inc.
State: MI

Complaint narrative:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading.

This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I have spoke with collection agency regarding the account in question. This account was opened as a result of identity theft. This account was fraudulently opened without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have noticed Capital One reporting a debt that I never contracted or agreed to pay. They have reported negative and defaming information beginning ( dates started reporting ) and ( dates reporting ) on my credit report. They have never given sufficient information to me in order validate this debt. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Tried to call the credit agencies about the incorrect information on my report each one requested a ftc report. They said once they receive a ftc report they will cooperate and take the inquiries off my 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 non-monetary relief
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Reporting information that should not be reported on my credit. 

I do not owe XXXX XXXX {$1200.00}. I got a letter from them stating my balance is {$0.00} WHY ARE THESE CREDIT REPORTING AGENCIES REPORTING THIS INFORMATION? 

UNDER 15 U.S.C. 1681c ( a ) Information excluded from consumer reports ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status... 

THE NAME HAS NOT BEEN EXCLUDED FROM THESE REPORTS.

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 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading.

This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer 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 non-monetary relief
Consumer complaint received 2021-12-30 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: MI

Complaint narrative:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading.

This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime closed my deposit account, savings account, and credit-builder account without explanation. The funds I have in the account can not be accessed and you can see below that I will not receive them for the next 30 days. Chime doesn't allow you to speak to a rep or see the account for recurring transactions that are billed to the checking account, which will have ripple effects on other bills. This should fall under the XXXX umbrella especially since Chime restricts access to my own funds. Which by the way all come from payroll direct deposit. 

" Hi XXXX, Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed on XX/XX/2021. 

Once your Spending Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2021, to the address we have on file for you ... '' XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation