vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: AL

Complaint narrative:
Multiple errors, inaccuracies, witho no validation, been over 30days 60dat etc The account of : Al child support..has violated my rights.. 
15 usc 1681 section 601 A.

15 usc 1681 section 604 A section2 15 usc 1681c ( a ) ( 5 ) 15 usc 1681-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: GA

Complaint narrative:
On XXXX XXXX, I disputed a XXXX XXXX XXXXXXXX fraudulent account on my credit report with EXPERIAN. 
I atttached an FTC report, police report, proof of my Identity and also a letter requesting that EXPERIAN remove and block this account due to fraud pursuant to FCRA 623 ( a ) ( 6 ). I sent a request for Method of verification pursuant to FCRA-611 XX/XX/2021 by certified mail with return receipt. EXPERIAN has failed to provide me with the information I have requested.EXPERIAN has continued to violate FCRA 623 ( a ) ( 6 ), FCRA 611, FCRA Section 605 B by not removing and blocking this fraudulent information.EXPERIAN has not provided me with any information to support leaving this fraudulent account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: NJ

Complaint narrative:
Received a Hard Inquiry of my Credit when I have not applied for credit. It was on XX/XX/2022 from a XXXX XXXX XXXX. I have not applied for any credit and can't understand how a hard inquiry was completed.

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 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: MI

Complaint narrative:
I received a notice of property tax adjustment that adjusted my taxes lower from the amount that was quoted last year, XXXX. The property tax bill was $ XXXX dollars overall, but the company paid only {$2000.00}. This is because the company only paid half the summer tax payment that was due. The adjustment sent the tax bill lower because I am a owner-occupant that should've received a lower tax rate than the last homeowner, an LLC business. The city sent a tax adjustment letter showing the new tax bill of {$3000.00}, with {$1000.00} still owing, possibly reflecting interest charges. 

I am now severely short on my escrow account because the company recently sent me a check for {$1100.00} because they miscalculated my taxes. I worry I will be short again for XXXX taxes due this summer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: MA

Complaint narrative:
Equifax - XXXX XX/XX/2022, I disputed a fake name and place of employment on my credit report. The dispute was resolved by Equifax in less than three hours. The Employment was corrected but the name was not. Equifax informed me that they contacted the company and asked them to investigate. My last name is XXXX, and Equifax has reported my name as 'also known as XXXX XXXX On XX/XX/2022 I mailed them a letter requesting the name and address of the company reporting my using that name. They received that letter on XX/XX/2022. I did not hear from them, so on XX/XX/2022 I wrote a second letter requesting again that information. By not contacting me with that information, they are refusing to give me that information. I can't dispute it again because they refuse to let me. I can not send any documentation because I don't have anything that says I used or did not use that name. They are refusing to allow me access to the information so that I can not go any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a letter from JP Morgan Chase that the bank would be closing my accounts for an undisclosed reason and that the decision was irreversible. I have not been able to get any information besides the fact that this was caused by either an investment account or a credit card account. I still have no information of what could trigger this from any of my accounts. I rarely use the CC and the investment account that was closed, funds were transferred to another investment account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
In XX/XX/2015 someone opened a car loan with Credit Acceptance under my name. I have disputed this several times for all credit bureaus and through them. They only removed it from my XXXX and it was agreed to be removed from XXXX and XXXX as well years ago. This has caused my credit to go to XXXX! I never had a car, they dont even know where the car is and I never got this loan.

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 monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Im harassed by somebody trying to serve me leaving notice to sue on my door every other day.

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 2022-04-18 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: FL

Complaint narrative:
In the attempt to fix my credit. I have had items removed and I also had items added to increase my score. I'm filling this dispute with you. Because my score is not being updated properly by the following bureaus TransUnion and XXXX. I have made arrangements for student loans to be removed from my credit and they are removed on one bureaus and not the others. I have also added lines of credit to my credit and again there only reporting on one bureau not the others. I have reached out to each individual bureau and they all have not been able to give me and answer for what's going on. On XXXX it shows all of the credit lines I have added to my credit. But it doesn't show the removal of the student loan and the other to site that don't show the lines I added but they show the removal of the student loans. I am very frustrated because I have put a lot of time and effort into trying to repair my credit and it seems to no avail. Can you please help me resolve this matter?

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 2022-04-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In the attempt to fix my credit. I have had items removed and I also had items added to increase my score. I'm filling this dispute with you. Because my score is not being updated properly by the following bureaus XXXX and XXXX. I have made arrangements for student loans to be removed from my credit and they are removed on one bureaus and not the others. I have also added lines of credit to my credit and again there only reporting on XXXX bureau not the others. I have reached out to each individual bureau and they all have not been able to give me and answer for what's going on. On Equifax it shows all of the credit lines I have added to my credit. But it doesn't show the removal of the student loan and the other to site that don't show the lines I added but they show the removal of the student loans. I am very frustrated because I have put a lot of time and effort into trying to repair my credit and it seems to no avail. Can you please help me resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: PA

Complaint narrative:
Equifax furnished me with my credit report which included several inaccuracies and missing information. I initiated disputes, based on these inaccuracies. 

Equifax did not investigate my dispute requests. 

I want them to fix the following accounts : XXXX XXXX XXXX Account # XXXX : Delete because you did not update or correct the date of last of activity. 
XXXX XXXX Account XXXX : Delete because the date of last activity has not been updated or corrected XXXX XXXX XXXX XXXX  # XXXX : Delete for unknown collection XXXX XXXX XXXX  XXXX Account XXXX XXXX : Delete this account, because of inaccurate date of last payment ( XXXX ). Account was closed XXXX. 
XXXX  Account XXXX XXXX : Delete account, because the date of last activity is missing XXXX XXXX XXXX XXXX # XXXX : Delete account, because you are reporting a balance when there is none. 
XXXX Account # XXXX : Delete account, for missing date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: OK

Complaint narrative:
I have a secured credit card with Elan Financial Services. It is a XXXX card set up through my bank, BancFirst of XXXX Oklahoma. The prepaid amount is {$5000.00}. Every time I would make a payment they would draft it directly from my bank account, so they had the money instantly but they would hold it for 8 days and not apply it and charge me interest those 8 days for a balance I really no longer had. I would try to call customer service and they would bounce me around, put me on hold 10-12 times and then eventually hang up on me, so I cancelled the card and paid off my balance on XXXX/XXXX/2022. They are refusing to give my {$5000.00} dollars back. They say it is under review and they wont be done even reviewing it until mid May but yet the card is already cancelled. They are simply holding my money for no reason, the same way they did when I would make payments.

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 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: NE

Complaint narrative:
I decided to participate in SoFi 's " check your rate '' campaign. The rules of the campaign were to fill an application to the point of being able to get a rate quote ( soft credit pull ) but no requirement for a hard credit pull and to have an account with SoFi to have the promotional funds deposited. After 10 days, the company was to deposit the funds into your SoFi checking account. I completed everything required on XXXX XXXX but did not receive any funds. On XX/XX/XXXX I reached out to SoFi and spoke with one representative that said they did see the rate check but would have to connect me with a loan representative but then ended the assistance session without connecting me further. Once I got the second representative, they told me I must not have qualified for the promotion although I read the fine print on the promotion and was very particular about following all requirements of the promotion. The customer service rep offered no further path to fix my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Multiple errors, inaccuracies, witho no validation, been over 30days 60dat etc The account of : Al child support..has violated my rights..

15 usc 1681 section 601 A.

15 usc 1681 section 604 A section2 15 usc 1681c ( a ) ( 5 ) 15 usc 1681-2 ( A ) ( 1 )

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 2022-04-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I had made a purchase at XXXX for a couch using Genesis credit card on XX/XX/2022. The couch was lost in transit. I asked for a full refund, as the item was no longer available. the refund was processed XX/XX/2022. 

XXXX provided bill indicating Genesis Credit Card, received the payment back. 

I called Genesis credit card to ask why do they keep charging me for a credit that was already paid back in full. 

I sent Genesis Credit Card a Fax with the bill confirmation that they accepted the payment from XXXX. 

Genesis, says it takes them about XXXX weeks to received a fax. I called and still no update. So, I mailed in all the documentation including, proof of fax, proof of payment return, email confirmation from XXXX. These documents were mailed to their address : Genesis FS Card Services, po box XXXX, XXXX, XXXX XXXX via certified overnight mail and they received it XX/XX/2022. 

I keep calling and they see a dispute has been open and they always place me on hold for over an hour every time. Basically, until I get tired and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Chime Financial Inc
State: TX

Complaint narrative:
{$1300.00} was taken from me and it was not authorized on XXXX/XXXX/2022. It was for airlines and the company name is XXXX  XXXX. Chime has lead me on in to thinking a real investigation was happening, but after making me wait weeks to tell me it was not an error, i am extremely disappointed. I have been stolen from before, a year ago. XXXX XXXX handled it way better. the second transaction was blocked and the small amount was refunded. I've learned the hard way my money is not safe with chime. I will not be using chime anymore, because the safety of my money is worth more than getting paid a day or two early. now im at a loss of {$1300.00} that i will never get back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: AL

Complaint narrative:
In accordance to the fair credit reporting act the account below has violated my rights under 15 usc 1681.

AccountXXXX Also has violated my rights under 15 usc 1681section 602 A 15 usc 1681 section 604 A section 2 15 usc 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 )

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 2022-04-18 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: FL

Complaint narrative:
inIn accordance with the Fair Credit Reporting Act. The List of Accounts Violated My Federal Rights protected by privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX  15 USC 1681 SECTION 602 A 1-STATES I have the right to privacy 15 USC SECTION 604 A SECTION 2- Also states a consumer agency can not furnish an account without written permission instruction 15 USC 1681c ( a ) ( 5 ) Section2- States no consumer reporting agency may make any consumer report containing any of the following items or information or any adverse item of information other that records of convictions of crimes which antedates the report by more than 7 years 15USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause its inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NY

Complaint narrative:
On XXXX XXXXXX/XX/22 on XXXX XXXX website I applied for a business credit which is supposed to be a soft pull for their XXXX XXXX XXXX XXXX. So they definitely didnt make it clear that it was going to be a hard pull. Their website just stated that they need your social to verify your identification and not to hard pull your credit then declined me and then it lowered my score like XXXX points. How humiliating. They need to correct this problem. And Experian credit bureau shows it.

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 2022-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
2 fraudulent checks were written against my Bank of America account on XX/XX/XXXX. We called the bank XX/XX/XXXX, as soon as we saw the pending transactions. We reported both checks as fraudulent, one for {$4400.00} and one for {$13000.00}. Bank of America filed our claim for fraud and said it would not be a problem to get our money refunded. They processed the refund for the {$4400.00} but not the bigger one. When we called again 3/15 to check why we hadn't gotten the rest, they said we didn't claim both transactions as fraud so they opened a new claim for the {$13000.00}. We have since called numerous times, and they still haven't refunded our money. They gave us {$5000.00} as an advance on the future refund, but we're still short {$8300.00}. They keep giving us timeframes on when we can expect further action, then not making any progress as those dates come and go. I really need my money back.

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 monetary relief
Consumer complaint received 2022-04-18 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: IN

Complaint narrative:
My XX/XX/2022 payment was sent by my bank, XXXX XXXX on XXXX. BSI did not process it until XXXX and then assessed a late fee to my account, the grace period ends XXXX. After speaking with BSI 's customer service representative, they acknowledged that the problem was internal with BSI and the fee would be removed. I can again provide proof payment was sent with ample time to avoid any late fee if necessary. Additionally, there is no simple way to communicate with them. The only way to email is to use a link on their website that does not provide proof the email was even sent, and they have never responded to the multiple emails I have sent. Phone calls are meet with hours of hold time.

Company response to consumer: Closed with explanation