vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$100.00}

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 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a mortgage with Santander Bank. On XX/XX/2021, I submitted the property tax bills that I received in the mail on the same day to the company so they could pay the right amount to the county from my escrow account. After I submitted the bills through email, I called to confirm with the customer service representatives and they confirmed receipt of the bills, and instructed me not to make the payment by myself because the company would take care of it. The amount was due on XX/XX/2021 with a 10-day grace period. Getting closer to the deadline and seeing no payment was made, I contacted Santander again and was told the same thing : not to make the payment myself, they would take care of it and if there is any late penalty they would be responsible for it.

Santander ended up paying the property tax late and a penalty of {$560.00} was charged. However, instead of being responsible for that amount as promised, Santander charged it to my escrow account and made me pay it. I have contacted Santander multiple times, filed dispute with multiple departments but they still refused to pay it and said I did not submit the bills early enough and it was my responsibility to pay the penalty fee. They completely ignored their promise to me and blame me for not paying it myself, even though their customer representatives told me multiple times that I should not make the payment.

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 2022-05-19 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: CA

Complaint narrative:
I AM TIRED OF GOING BACK AND FORTH WITH YOU AND THE CREDITORS WITHOUT RESOLUTION OR PROOF OF VERIFICATION! THIS IS YOUR LAST CHANCE TO CORRECT AND COMPLY BEFORE LITIGATION! 

I recently sent you a request to reinvestigate the information previously disputed. The computer-generated response I received is unacceptable and I have lost patience. Your unlawful conduct and willful neglect has caused me a lot of stress and financial harm, including out of pocket costsexpenses, and loss of personal credit opportunities. 

It appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Which is a violation of FCRA 15 USC 1681 ( e ) ( b ) Compliance procedures-Accuracy of Report. I have attached an audited report from XX/XX/XXXX I request that you remove this incorrect information IMMEDIATELY and send me an updated copy of my credit file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : UPDATE XX/XX/XXXX TO PAID ON TIME Provide Method of Verification and Procedure used Inaccurate terms- Never received statement of late Never Paid Late XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Inaccurate Payment History Misrepresenting the date of status and date of last activity resulting in the account being re-aged XXXX XXXX- Date Opened : XX/XX/XXXX Balance : {$0.00} Reasons : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Reporting past due amount on a collection/charge off. 
Misrepresenting the date of status and date of last activity resulting in the account being re-aged. 
Credit limit and High Credit Amount Incorrect Failing to report a previously disputed account as disputed to the credit reporting agencies XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Reasons : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Reporting past due amount on a collection/charge off. 
Misrepresenting the date of status and date of last activity resulting in the account being re-aged. 
Inquiry : XXXXXXXX XXXX XXXX Inquiry Note : HARD Inquiry : Individual Date : XX/XX/XXXX Reason : Unauthorized-Remove this inquiry under section 604 Inquiry : XXXX XXXX  XXXX Inquiry Note : HARD Inquiry : Individual Date : XX/XX/XXXX Reason : Unauthorized-Remove this inquiry under section 604

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 2022-05-19 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:
I recently reviewed my credit file and unfortunately found that some of my personal information were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following personal information from my credit file within the next 15 days. 

XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im accordance with the Fair reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX, XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Theres always an issue with the bank charges and unrecognized charges money dismiss unknown transaction, problem with deposit and withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-19 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: The CMI Group, Inc.
State: MD

Complaint narrative:
This creditor which was hired by XXXX was paid off in full. Myself and the company had a verbal agreement " if I continue to make payment the collection item will not be reported to the credit bureau. The account is now paid off and the company has reported it to all three credit bureaus. I paid the account off in full. Now the company is refusing to remove it from my report and saying I owe them {$110.00} which was paid off in full. I have spoken to a number of representatives each time the phone is hung up or I am transferring to full voicemail. I am requesting for this amount to get removed from my credit report and to stop falsely getting accused of owing money that I do not owe. The company is a SCAM. The last two payment of {$50.00} was paid on XX/XX/2022, and XX/XX/2022, as shown on the attempt. The company accused me of not paying the remaining balance of {$100.00}. and charged a late fee of {$10.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX I received notice that discover closed my credit card account due to inactivity. I have a XXXX balance on this credit card account and have since XX/XX/XXXX. On XX/XX/XXXX I called discover requesting that my account not be closed as it would be very detrimental to my credit report. The denied me this option and requested that I open a new account. I believe I have 30 days from the date of closure to request it stay open, especially considering I have no balance on that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
An account was fraudulently open using my information with XXXX & XXXX years ago. Police reports was filed and eventually got XXXX XXXX XXXX and the collection company they hired to removed the collection. Now I see again another collection company has attached this debt to my credit report. This is like the 3rd time Im having to fight to get this collection removed. How many times must I provided documentations and file complaints against XXXX XXXX XXXX to removed this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: MI

Complaint narrative:
On XX/XX/2022 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 2022-05-19 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: GA

Complaint narrative:
On XX/XX/2022 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 XXXXm 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 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We reported it as a scam. They said they would look into and there was nothing they could do. The reported it to the other persons bank and said maybe they would do something but they never did and we never heard from them. it was a fake 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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2022, I was under the impression that I was hired for a job as a remote XXXX XXXX XXXX for $ XXXX hr.For a company called XXXX XXXX XXXX XXXX I was told that they needed to sent me a check for the all equipment I would need to start the job ; they advised me they would need me to send payments to the vendors for so they can sit up and send the equipment. I deposited the check and they advised to send to XXXX XXXX. I sent two payments one for {$590.00} and one for {$400.00}. They also advised to send via XXXX XXXX XXXX XXXX blocked the payment as fraud. I called USAA to report the fraud incident hoping they would help resolve my case especially since I have been a member for over 20 years. 
When I called I was advised that XXXX transfers are not protected. I offered to send all documents. The rep at USAA advised that since it was a XXXX transfer no evidence is needed. I would like my account corrected and adjusted and the perpetrators be punished for 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 2022-05-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The account is XXXX yrs old & inaccurate, I disputed this with XXXX XXXX XXXX, and they removed the account from my credit report, yet Experian continues to report it, the account is too old to be on my credit # XXXX, I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX letter or rebuttal include in files, the Bank explained that I had late pays or delinquencies, up to XX/XX/XXXX, THESE WERE THE FINAL PAYMENTS AND CLEANUP PAYMENT, AS OF XX/XX/XXXX THE LOAN WAS PAID IN FULL AND SHOULD HAVE BEEN CLOSED OUT,, I spoke to the bank and requested a list of loan payments, they reiterated that when they reach XXXX, as they go line by line of each yr of the loan, when they reach XXXX when the loan was paid off, I will have to wait until XXXX or XX/XX/XXXX to have the reported loan removed from my credit report on Experian, as I said prior, XXXX and XXXX removed this XXXX XXXX XXXX XXXX loan from my credit report after disputing the loan as being too old to be on my report, as the loan was opened as per files included on XX/XX/XXXX, both XXXX and XXXX have removed the XXXX bank XXXX  loan after I disputed it with them, but Experian and the XXXX XXXX Bank refuse to remove this until XXXX yrs from the last late charge in XXXX XX/XX/XXXX, the account was paid in full in XX/XX/XXXX, but it is still being reported into XXXX for no legal reason.

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 2022-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
There is a Portfolio account listed on my credit stating I owe XXXX which is NOT mine. This is unknown and I have disputed with nothing being received back. Help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-19 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: NJ

Complaint narrative:
I sent my letter off on XXXX XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, Tracking # XXXX, and tracking # XXXX. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

Company response to consumer: Closed with explanation