vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 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:
its been over 90 days and incorrect information is still being reported on my credit report. I have not heard from XXXX, Equifax or XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I accounts reporting accounts as open after there closed also reporting accounts that has no balance and very old but reported open reporting old accounts that was sold but I have no written agreement with whoever it was sold to and no Information on who it was sold too reporting accounts that are too old to be still active on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: IL

Complaint narrative:
There is an old debt of mine still showing up on my Experian credit report as a derogatory account, however I have disputed this several times over the past two years and shown hard evidence of the account being settled satisfactorily.

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 2021-09-03 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Today I received the attached my second attempt to receive the accurate and complete records on this HELOC but once again I got falsified documents showing that not only is Chase claiming I made a full year additional payments when I didn't but also reporting it to the credit bureaus. Attached is XXXX XXXX being given fake payments I never made. I stopped making payments on that the end of XX/XX/2017 and can prove it with my bank statements when we get to court on this banking fraud. Presently JP Morgan Chase Bank NA is planning on selling my home with an obsolete primary mortgage and now trying to add this account to it, This account THIS COMPLAINT is for has never been sent to me any foreclosing or default notices, or anything else in attempts by Chase to try and add it to the illegal foreclosure presently attempted on my home. THIS IS A NEW ISSUE OF BANKING FRAUD FABRICATING PAYMENTS I NEVER MADE AND REPORTING THIS FALSE INFORMATION TO THE CREDIT BUREAUS. CFPB NEEDS TO INVESTIGATE this FRAUD!!!!! see attached i marked the transaction history sent to me with fake payments marked off by a big x on both sides. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2020 with a balance of {$7100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: IL

Complaint narrative:
Experian is reporting inaccurate unverified bankruptcy on my credit report claiming the information was verified by XXXX. So I went directly to XXXX and as a result of there investigation they are showing no bankruptcy in there files as of XX/XX/. I sent the result of the investigation to Experian on numerous occasions and they responded XXXX  with report # XXXX, XX/XX/ report # XXXX and XX/XX/ report # XXXX saying certified as accurate from the data furnisher XXXX. How can Experian verify information that does not exist in there files, letters enclosed. Experian seems to not be verifying the letters sent or totally ignoring my request by just sending a computer generated response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I closed all my accounts with my former bank in XXXX of this year. When doing so I understood that I could still have access to my statements online if needed for 2 years having been enrolled in the bank 's paperless statements I had been receiving them online only. This week I had need to view my statement to find a specific transaction so I logged into online banking only to discover that there were no accounts showing and no way to view my statements. I contacted the bank via their chat app and the agent who assisted me told me my only option was to go to a branch where they could print a statement for me at a cost of {$5.00}. I find this to be unfair as I had enrolled in the bank 's promoted paperless statement program and was more than willing to serve myself online where I had previously had access to my statements at no charge. Also in doing my own research I understand that the bank has an obligation to provide me with a statement if there were electronic transactions in the statement cycle and there were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge Pite, LLP
State: WA

Complaint narrative:
CLEAR RECON CORP with XXXX  and XXXX are engaged in CRIMINAL ACTIVITY : CONSPIRACY, HARASSMENT, EXTORTION, and FRAUD ; against the consumer. 

In XX/XX/2019, the consumer rescinded an unsecured loan with XXXX XXXX due to a breach of trust. Accordingly, all trust relationships were legally terminated under the Void ab initio and fraud vitiates everything Doctrine. See Exhibit-1. 

There is No loan - legally rescinded ; There is No lien - legally released ; There is No deed of trust - legally terminated ; and There is No controversy with the deed - legally re-conveyed. 

FRAUD : 1. This account was opened without the consumers knowledge and without the consumers consent. 

2. The consumer DID NOT request to open this account and the consumer DO NOT have a written agreement to open an account with CLEAR RECON CORP ( no communication ; no signature ). 

EXTORTION 1. The consumers first contact with CLEAR RECON CORP was a fraudulent notice of default. 

2. CLEAR RECON CORP claims to be a Trustee, but the consumer is not aware of any appointment of this fraudulent creditor/trustee. 

The consumer is seeking relief from the ongoing conspiracy, harassment, extortion, and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: MA

Complaint narrative:
Today I received the attached my second attempt to receive the accurate and complete records on this HELOC but once again I got falsified documents showing that not only is Chase claiming I made a full year additional payments when I didn't but also reporting it to the credit bureaus. Attached is Trans Union being given fake payments I never made. I stopped making payments on that the end of XXXX XXXX  and can prove it with my bank statements when we get to court on this banking fraud. Presently XXXX XXXX XXXX XXXX XXXX is planning on selling my home with an obsolete primary mortgage and now trying to add this account to it, This account THIS COMPLAINT is for has never been sent to me any foreclosing or default notices, or anything else in attempts by XXXX to try and add it to the illegal foreclosure presently attempted on my home. THIS IS A NEW ISSUE OF BANKING FRAUD FABRICATING PAYMENTS I NEVER MADE AND REPORTING THIS FALSE INFORMATION TO THE CREDIT BUREAUS. CFPB NEEDS TO INVESTIGATE this FRAUD!!!!! see attached i marked the transaction history sent to me with fake payments marked off by a big x on both sides. see attached.

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 2021-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Hello ... our current mortgage company Home Point Financial offered us a 12 month forbearance under the Cares Act as we were temporarily out of work due to COVID and we were told verbatim that at the end of the forbearance that there would just be 12 months of payments added to the end of the loan. That is not what happened. Once we reported to them that that we were back to work and able to resume payments they added {$22000.00} to our principal balance, 5 more YEARS of payments to our loan and illegally raised our FIXED 30 YEAR intrest rate of 3.25 % to 3.625 %. They have caused a huge financial burden under a program that was supposed to help people. By the time this is all said and done they have added with the intrest rate increase a finanbcial burden of over {$200000.00}!!! Had we been told this is what was going to happed we would have just pulled from our 401K to make the payments. Would have caused a lot less of a financial burden on us. In addition I am quite sure Home Point Financial received government funding from this program. I have asked Homepont Financial several times to provide us with a current amortization schedule and or a spreadsheet showing their calculations justifying adding 5 years of loan payments to our loan and {$22000.00} to our principal and all they have sent me was the original amortization schedule from 5 years ago and a blank document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX The term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this. 15 U.SC 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report, neither did I give your company any consent to furnish nor communicate any of this information to any person, third party, or affiliate so your company is actively violating my rights under the FCRA. As a consumer my specified remedy for these injuries is : The deletion of the following inquiries listed below. 


XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: NM

Complaint narrative:
I have never hear of commonwealth or XXXX  XXXX XXXX  that just popped up on my credit stating that I owed XXXX plus dollars. They never attempted to reach out by phone or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
Conserve appeared on my credit report with at absolutely no notification. Appeared outta nowhere. Never even heard bout them prior. No letters no bills. They refuse to acknowledge who they are and or any documentation that proves I owe something my signature or anything else. At first the amount was different ( {$900.00} ). The year it was supposed to come off my my report ( XX/XX/XXXX ) and it didnt display and end period. Now on my report still without any notification ( letters ) they changed it to a monthly bill, they changed the removal date to XX/XX/XXXX and now it's {$1200.00}. Who are these people? I never had an agreement with them. Never talked to them. No letters. nothing. How? When I disputed it I can bank updated and verified. How?? You never spoke to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: MD

Complaint narrative:
The consumer reporting agency constantly keeps misplacing my identity theft reports. I have sent it 3 times by mail and each time I call and ask if they received it they say no they can not find it in the system. Then they direct me to send it again I am already dealing with identity theft why would I want to keep send my personal documents through mail if it is constantly being misplaced. The mailing system is not that incompetant. This is absurd, and then they refuse to remove these fraudulent inquiries on my report because they say that they need the identity theft report on file. How many times do I have to keep wasting money sending it to the, if they keep misplacing my documents. The last time I called the representative hung up on me. Since when can you hang up on a consumer? Who is going to be held responsible for misplacing my documents? I am stressed out by this it is such an inconvenience. These fraudulent inquiries need to be removed immediately so that I can move on with my life. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 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 2021-09-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2016 with a balance of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy in there files. I sent the results of the investigation to Transunion on numerous occasions and they responded XX/XX/21, XXXXwith file # XXXX verified as accurate and NOt specified on XX/XX/21 file # XXXX from data furnisher. How can Transunion verify information that does not exist in there files, letters enclosed. Transunion seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending a computer generated response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: IL

Complaint narrative:
Equifax is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy on there files. I sent the results of the investigation to Equifax numerous times to show there is no bankruptcy in my file with the data furnisher XXXX. Equifax responded on XX/XX/21 confirmation XXXX, XX/XX/21 confirmation # XXXX, and XX/XX/21 with confirmation # XXXX all saying the bankruptcy was verified as accurate. How can Equifax verify information that does not exist in there files as of XX/XX/21, letters enclosed? Equifax seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending computer generated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JTM Capital Management, LLC
State: MS

Complaint narrative:
I accounts reporting accounts as open after there closed also reporting accounts that has no balance and very old but reported open reporting old accounts that was sold but I have no written agreement with whoever it was sold to and no Information on who it was sold too reporting accounts that are too old to be still active on my report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I closed on a home loan with BoA in XXXX of 2019 to which my taxes and insurance were to be paid in escrow. Every month my statement showed taxes and insurance for escrow to which I paid on time monthly. BoA failed to pay my insurance. When my insurance contacted me about non payment I called boa and they said theyd immediately wire the money over. They did not.

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 2021-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have recently leaned that some students can make retroactive payments on their Fed Loans. I contacted Fed Loan today and was told that I can not make retroactive payments from XX/XX/XXXX to XX/XX/XXXX because I was in deferent while in school. This is not true. I was never billed for the loan during their set up period. 

Fed Loan has had me in deferent or forbearance for two years and I had to file a School Related Deferment Waiver Form to come out of deferment for incorrectly being placed there while I was making payments. I was never allowed or afforded the opportunity to make retroactive payments from XX/XX/XXXX to XX/XX/XXXX and was never billed for this period. From XX/XX/XXXX to XX/XX/XXXX I made payments without being billed. 

Then my loan was transferred to XXXX then some other company, then Pheaa, then Department of Education then XXXX then Fed Loan. This all occurred from XXXX to XXXX. During this time, I was in school and making payments since XX/XX/XXXX. My loan was not payable until around XX/XX/XXXX ( as per the Direct Loan letter ) when I was sent to XXXX XXXX. 

In XXXX I asked to make payments but was told that the program was not set up and payments will be sent back to me. In XXXX a financial person on TV said to make the payments ASAP. I called XXXX XXXX  ( Fed Loan affiliate ) at the time and was told how much my payments were, but no payments were due, and no bills were sent out. I still made the payments by what Fed Loan told me over the phone. 


Please review my paperwork. I had the same XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and I transferred to another XXXX XXXX XXXX. I work for the XXXX XXXX XXXX 

I would like the opportunity to make these retroactive payments from XX/XX/XXXX to XX/XX/XXXX. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
Starting in XX/XX/2021 received multiple phone calls throughout the day as well as letter threatening to sue. No validation of debt was provided, and debt was previously disputed before being given to this law firm which they apparently do not care about.

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 2021-09-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2011 with a balance of {$3700.00}

Company response to consumer: Closed with explanation