vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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: TX

Complaint narrative:
I spoke with Equifax today regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX that was currently reporting 2 late payments. The account is not updated. It is still showing late payments. The response from the credit bureau is below, Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. NON-REPORTING DISPUTES Trade : XXXX XXXXXXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With my Equifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TX

Complaint narrative:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX 5. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXXXXXX XXXX XXXX ) Account Number : XXXX 7. Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ) Account Number : XXXX 8. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH MORTGAGE Company Loan # XXXX homeowner : XXXX XXXX XXXX  XXXX PHH sent my home insurance company a check # XXXX on XX/XX/XXXX via USPS for & XXXX to XXXX XXXX XXXX PHH waited till XX/XX/XXXX to send the payment when it was due on XX/XX/XXXX. XXXX XXXX has not, as of yet, received the check and are threatening to discontinue my home insurance. I am on autopay with PHH so my mortgage payment is NEVER late! I am concerned that they held the money to make money ( interest ) and will do the same with my real estate taxes which are due no later than XX/XX/XXXX to prevent a higher amount. Spoke with XXXX # XXXX at PHH XX/XX/XXXX at XXXX re escalation of this complaint. Insurance specialist XXXX # XXXX  Why was this payment to the insurance company made late? Stating they called XXXX XXXX with no success but did not contact me! 
Do I have a promise that my real estate taxes will be mailed in on XX/XX/XXXX to prevent additional charges? I want an email from PHH when the real estate taxes are mailed with check #, who they paid to and what date as well as method-i.e. USPS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Received letter from Bank of America XXXX XXXX says case XXXX said she was my direct contact except Did not include phone number location Tried calling return address was bounced all over country Last person said XXXX XXXX took over case. Will call me back. NO ONE has ever called me back Including numerous numbers different parts of country Only crooks go to this extreme to cover up forging FHA mortgages.

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 2022-09-07 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: TN

Complaint narrative:
Requested written documentation of debts I was told I owed. Its been well over a month, and nothing from them. 

The requests were sent via Certified Mail through the USPS. 

Im trying to do the right thing by confirming this debt as it negatively affects my credit score. Without the info provided by the creditors or collection agencies, I can not move forward in rebuilding my credit. Its infuriating. 

Portfolio Recovery Associates in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is where the Certified Mail was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a XXXX XXXX  '' branded prepaid card issued by American Express which I regularly fund on the XXXX website from my checking account where I receive direct deposits. On XX/XX/2022 I was unable to log in to access my account on XXXX and received an error saying my account was locked. This prevents me from reviewing my account history, making any changes to my card, or retrieving any of my funds loaded onto the XXXX  card balance. 

I called Serve at XXXXXXXX XXXX  XXXX on XX/XX/2022 and spoke to American Express ' representative, XXXX, about my account. They told me that they had locked my account because I had added funds from a prepaid card, which is against their policy. I confirmed that the account they claimed was a prepaid card was the debit card for my checking account. American Express refused to correct the erroneous listing of my debit card as a prepaid card, even after I provided them additional details about the card and the name of the issuing bank. American Express also refused to unlock my account, preventing me from accessing any of the services for my XXXX card. 

My checking account is " XXXX XXXX '', a branded checking account offering administered by XXXX Bank XXXX Member FDIC, XXXX number is XXXX. XXXX  provides these statements regarding the debit cards of the checking account : " XXXX XXXX  debit cards are associated with XXXX. They are issued and administered by XXXX Bank, pursuant to license from XXXX XXXX XXXXXXXX XXXX XXXX is powered by XXXX, accounts provided by XXXX Bank , Member FDIC. XXXX - from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX business credit report for my small business states I have a delinquent account for {$2500.00} in which the business or I have never taken out a loan or even owe anything as far as credit, loads or anything. I believe this to be fraudulent and improper. There are trade lines on my credit that also arise from this.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX  business credit report for my small business states I have a delinquent account for {$2500.00} in which the business or I have never taken out a loan or even owe anything as far as credit, loads or anything. I believe this to be fraudulent and improper. There are trade lines on my credit that also arise from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I called Navient multiple times between XXXX XXXX XX/XX/2020 to ask for financial relief options during the Covid 19 pandemic as I was unemployed and the emergency forbearance they granted all customers was only valid for 90 days ( XXXX XXXX XX/XX/2020 ). 

After multiple conversations with different representatives, I was repeatedly told the loan type that I have ( FFELP ) did not qualify for the federal pause in payments and I had no other options but to pay on my loans since I didn't qualify for payment deferment and had used all of my allotted forbearance time. 

Because I was fear of defaulting and ruining my credit, I used my personal savings to pay student loans throughout the entirety of the pandemic and only recently learned that I had the option to consolidate my loans into direct loans with the Federal government which would have made them eligible for the pause in payments. 

Despite multiple attempts to get help, at no point did Navient communicate that FFELP loans were eligible to be converted to Direct Loans, and in turn payment/interest pause. I have lost over {$9000.00} as a result of not having this information and extremely upset at Navient 's highly deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: CA

Complaint narrative:
File for dispute with both Experian and XXXX against XXXX XXXXXXXX XXXX for an existing account with outstanding amount due for over 3 months ( $ XXXX ), under my name. My credit score has since then dropped from XXXX to now XXXX XXXX was able to investigagte and closed the account, however, Experian can not. I have also reached out to XXXX XXXXXXXX XXXX multiple, multiple times regarding such account under my name that does not exist. They have informed me that it has been forwarded to their credit card operations department. This has drastically affected my home buying expereince with pre-approvals with home loans.

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 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Wrong person this account// bankruptcy doesnt belong to me and I would like it removed please. Not my bankruptcy

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 2022-09-07 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: MS

Complaint narrative:
I disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name XXXX and XXXX XXXX, I have never borrow money from them or applied to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: MS

Complaint narrative:
I disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name XXXX and XXXX XXXX, I have never borrow money from them or applied to them.

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 2022-09-07 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: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
I disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name Speedy and Rapid Cash, I have never borrow money from them or applied to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XX/XX/XXXX my account was hacked and transferred XXXX from my sons account to mine which was linked. i notified the bank right away and was on phone for 86 minutes. they credited my account and my sons account. after three weeks they took the money back from my sons account. i XXXX him the money back of XXXX on XX/XX/XXXX which he was lost. then they took the XXXX back fron his account on XX/XX/XXXX saying he has to satisffy the negative account. i called chase numerous times and they keep giving me the run around and say its two different cases. its one case and all the records that were showing up on the accounts were deleted. my account showed a credit of XXXX and now its gone. i asked for the phone records of XX/XX/XXXX and they say its deleted. i have spent hours on the phone and visits to to the branch. i keep getting pushed from department to department. all i ask is for is to look at all the accounts and transactions and they say they cant cause the account is closed. my sons account was stolen of XXXX and no body is doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person Im a living human being I have rights under 15 USC 1681 Equifax is governed by 15 - USc 1681 and they have violated my rights numerous times I demand the accounts listed below be removed because according to 15 Dash USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts this may be a case of identity theft which happened during the equifax data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: U.S. BANCORP
State: MS

Complaint narrative:
I disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.

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 2022-09-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc.
State: NJ

Complaint narrative:
Tesla had a program last year of 2021. Where applicants can put a down payment of {$7500.00} and lease a model XXXX XXXX vehicle. After, I ( XXXX XXXX XXXX made the initial {$100.00} payment to design and order my model XXXX XXXX car. I was denied the opportunity to proceed to making a down payment of {$7500.00}. I then make a request to Tesla loan originator located in XXXX, XXXX and request him to send a letter of denial, person identity who refused, and reasons why. Unbeknownst to me, the loan originator stated Prohibited Basis in his statements of emails sent to me. I truly believe I was denied under Prohibited Basis. It has been 45 days since I requested that statement of denial and still no response from Tesla. 

I appreciate your time and allowing me to share my story! 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: GA

Complaint narrative:
I advised that I did not authorize any of my personal information such as payment history, Balance, and more to anyone. The credit Bureau advised that they would get back to me and then sent me an email stating that they have the authority after I asked them for the wet ink signature that I signed with them or the company they are reporting on behalf of. They replied stating that by law they do not have to when their privacy policy states that they keep a copy on file of the signed consent. 
I am requesting that XXXX, XXXX XXXX and Experian. Provide me with the written agreement that I signed in blue ink that authorizes them to report accounts .... 
XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. All XXXX  loan information. 

PROOF OF POSTAGE - XXXX ( XXXX ), XXXX - XXXX, Experian- 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 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Requested written documentation of debts I was told I owed. Its been well over a month, and nothing from them. The requests were sent via Certified Mail through the USPS. Im trying to do the right thing by confirming this debt as it negatively affects my credit score. Without the info provided by the creditors or collection agencies, I can not move forward in rebuilding my credit. Its infuriating. XXXX XXXX XXXX in XXXX, VA and Lvnv Funding in XXXX, SC is where the Certified Mail was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
unable to get any kind of forbearance on my private loans with Navient. THEY NEED TO OFFER IT!!! I can not afford these payments. I could barely afford food, gas and a roof over my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: Credit Karma, LLC
State: CO

Complaint narrative:
Yes I have been a customer of Credit Karma for 5 years or more and they would tell me that I was pre-approved or I pre-qualified for a credit card and then the credit card company would subject me to run my credit and then I didn't get approved for the credit cards damaging my credit report when they said it wouldn't damage it and now I have negative inquiries on my credit karma account every time I would try to get a credit card that Credit Karma said I pre-qualified or I was pre-approved for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.

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