vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( have told y'all over and over again I have never heard from this company and neither you nor them have sent me proof of account and I am about to file a police report and report it and report it to the FTC ) XXXX. XXXX XXXX XXXX ( Again, absolutely no knowledge of this account and no one has provided me any proof. I have even written this company and have not received a response from them. I will be reporting them and yall as well if not removed. ) XXXX. XXXX, account XXXX, ( XX/XX/XXXX ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any validation to me. 


Best Regards, XXXX XXXX I have attached my payment history from XXXXXXXX XXXX. My XXXX XXXX  was not late, and if it was late for those 2 months then why is not reported late for the other months. It needs to be updated and fixed.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( have told y'all over and over again I have never heard from this company and neither you nor them have sent me proof of account and I am about to file a police report and report it and report it to the FTC ) XXXX. XXXX XXXX XXXX ( Again, absolutely no knowledge of this account and no one has provided me any proof. I have even written this company and have not received a response from them. I will be reporting them and yall as well if not removed. ) XXXX. XXXX, account XXXX, ( XX/XX/XXXX ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any validation to me. 


Best Regards, XXXX XXXX I have attached my payment history from XXXX card. My XXXX card  was not late, and if it was late for those 2 months then why is not reported late for the other months. It needs to be updated and fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase Credit offered me a XXXX percent interest rate and XXXX cash back on all purchases but changed the terms without my consent and approved me for a card I did not want, I applied for a chase sapphire card but was given a Chase Freedom Card i called on XXXX several times but they refused to discuss the terms so I need someone to help get this resolved i have been deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting 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 just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My account is currently overdrawn due to reversals for a 3 claims. I ordered items off of XXXX back in XXXX they didnt arrive on time. So l was informed I would receive a refund from XXXX when the time lapsed I called XXXX they stated that the refund could take up until XXXX. So I informed them I would contact Chase. The XXXX app stated I would be refunded with XXXX since the items didnt arrive on time. I filed a claim one for XXXX and XXXX. On an early call back in XXXX when I had to replace my debit card I inquired about he claim and I was told the XXXX refunded the money for those transactions. A few days after the claim the post office delivered the items but I returned them immediately after. So XXXX fraudulently informed chase the items were delivered but never informed them also that the items were returned back. So now my Chase account is overdrawn because they reversed it the credit. I received a call about my account being overdrawn 4 weeks ago and I explained to the rep it was for two credit reversals. She stated to upload the documents to show I sent the items back to XXXX. I called chase then they told me to wait XXXX hours. I didnt call back so XXXX weeks ago I get another call about my account being overdrawn I explained once again the situation so I was connected to the XXXX department and after a long call they reviewed my documents and stated that they were going to apply the credit back for both XXXX charges and the credit would be permanent. I was told it would take about 2 days for it to reflect back in my account.I never received the credit back. So now today XX/XX/2024 the claim department says the escalation department states they cant reopen the claim even though I was told the funds were given back, I was told the credit would be permanent. The bank failed to appropriately investigate my claim. Today I was told to contact the merchant because its nothing chase can do. So I explain it was my account the money came out of. I no longer buy items from XXXX since I was informed by their back office that they alleged Chase blocks refunds from being processed back on my card and chase denies it. I then asked to speak with a XXXX and instead of them addressing the issues or providing information if chase has a legal department they supervisors just constantly repeats I need to reach out to XXXX but Chase knows they blocked it to where XXXX cant processes refunds to my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit 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: DISCOVER BANK
State: PR

Complaint narrative:
post XXXX XXXX {$1300.00}. 
I requested two disputes to discover since a company that will recover money turned out to be a fraud, after disputing both transfers I proceed to upload the information about the fraud, in the first dispute, discover rules in my favor, in the second, it says that the company is right and that to get my money back the company had to return it for them to return the money to me, After asking for information, when the letter arrives he states that the following and quoted " My friend had him send the money to me, then I forwarded the money to my friend. So I never kept the money '' for discover is reason enough not to refund my money, even though on their page they have a promotion of XXXX fraud and in my case they did not help me at all even though I sent them all relevant and non-relevant information. Even the company shut down its social media and website, the name is XXXX XXXX but for discover it's not reason enough to reason enough to protect customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Since XX/XX/XXXX I have been going back and forth with XXXX XXXX and experian about a missing account that was affecting my account and hindering my life. 
There is inaccurate and missing information on my credit report but ONLY with experian. I have a XXXX XXXX credit card with a limit of {$6700.00} since XXXX and it is not being accounted for on my account which is affecting my score and my credit utilization percent drastically. I have notified both of them and both companies have been telling me different things and putting the blame on one another. They told me they are reporting my information to every credit bureau and it is not a fraud account. I was told to write a letter and provide information to proof I was who I was multiple times and even when disputed they have stated that my issue has been resolved but the issue is still not resolved. I was then told today, XX/XX/XXXX by experian that there is nothing that they can do that this is a XXXX XXXXXXXX issue even though I have a written letter from XXXX XXXX stating they are reporting to all three credit bureaus.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. Also, apologize. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX and XXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
On XX/XX/XXXX I contacted Mohela to inquire about why the months of XXXX and XXXX ( XXXX ) are marked as ineligible payments towards Public Service Loan Forgiveness ( PSLF ). The agent I spoke to stated that it is due to being placed on Forbearance. I stated that I received a letter stated I was placed on " Administrative Forbearance '' and on my dash board it stated these would count towards PSLF qualifying payments. The agent stated I was actually placed on " Processing Forbearance '' and not actually " Administrative '' despite the fact I got a letter stating it was Administrative. I then informed the agent that I contacted them back in XXXX when I was first placed on this forbearance and requested to be taken off to which she responded she sees this on the notes but does not know why I was not taken off. I then told her that why was I placed on forbearance for that long when they were not processing anything she continuously gave me the run around stating that I was no longer on forbearance and can make two more payment which would count towards PSLF. I informed her that was incorrect due to not meeting the requirements of needing to be on a qualified IDR/ IBR plan. She reported that I did not need to be on XXXX and to go ahead and make these payments in XXXX and XXXX to meet the 120 qualifying payments. I asked the agent why was I denied for the IDR request and she reported that it was due to my income and family size, which is a mistake as another agent explained to me back in XXXX. I applied for income contingent repayment which did not have any limitations to income or family size. She then stated she is unsure. I told her that when I spoke to someone in XXXX they stated they would re-process the request but now it is just showing it got cancelled, even though my account on Student aid states it was approved. Mohela placed me on a standard payment plan instead of the payment plan I requested which they cancelled for no apparent reason. The agent stated she didn't know why it was cancelled and continued to tell me that from here on out I should not have any issues and if I make the last two payments I would be good and will meet the 120 PSLF qualifying payments to receive forgiveness. Had they not deceived me or processed my request to be taken off this forbearance I would have already met the 120 qualifying payments. I have proof of letters, screen shots of my dashboards and a recording from our conversation yesterday stating all the misinformation I received. I have worked hard to meet these sturn requirements just to be misinformed and cheated on when these could have been fixed on their end due to their own mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2024 XXXX at XXXX XXXX XXXX XXXX contacted myself and my sister within 5 minutes of one another. She answered his call where he discussed my debt and sensitive information over the phone while harassing her and violating code 805 ( b ) of the Fair Debt Collection Practices. Also, the debt collector on this account is listed as XXXX XXXX XXXX, which is not the company that was calling me. This is violating accurate credit reporting. I called XXXX back and he confirmed on a recorded line that he called my sister and said I could no longer contact care credit but only him. 
Phone number : XXXX Associate : XXXX Calls : XXXXXXXX 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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: FL

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with the debt collection practices employed by IQDataCollections in their attempt to collect a debt of {$6100.00} from XXXX XXXX " XXXX XXXX. '' My experiences with IQDataCollections have been troubling, and I find it necessary to bring these issues to your attention. 

Refusal to Provide a Final Invoice via Email : I have repeatedly requested IQDataCollections to furnish me with a final invoice detailing the outstanding debt. Unfortunately, they have consistently refused to provide any documentation via email, claiming that their processes are exclusively handled over the phone. The only proof provided thus far is a copy of a ledger dated XX/XX/2023. This lack of transparency raises serious concerns about the legitimacy of the debt. 

Unusual Payment Demands and Lack of Online Transaction Records : IQDataCollections has insisted on payment through a credit card or debit card, explicitly stating that money orders or cashier 's checks are not acceptable. Furthermore, they maintain that there is no record of the transaction online. This unusual payment demand, coupled with the absence of online transaction records, has heightened my suspicion about the legitimacy of the debt. 

Refusal to Adhere to Communication Preferences : Upon noticing irregularities, I requested that all communication be conducted through email to ensure a documented trail. Despite this request, IQDataCollections has persistently ignored my preference for email communication and continues to insist on handling matters over the phone. 

Use of Abusive Language and Threats : The situation took an alarming turn when the individual representing IQDataCollections resorted to using abusive language and issued threats. I was threatened that my family and I would be living in our car, and that I would never be able to rent an apartment again. The person making these threats explicitly mentioned that I should remember their name when these unfortunate events occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
On XXXX XXXX I contacted XXXX XXXX XXXX concerning a last bill that they say I owe in the amount of XXXX in which I asked for a breakdown and the reason why I was being charged this amount. I had no phone service for months and was not being charged a bill other than my cell phone bill. After not having service I then cancelled shortly after cancelling I then later received a final bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
Halstead Financial sent a text message to my XXXX XXXX at XXXX to try and settle my debt. He forwarded me a screenshot of the text message which I will upload to you for viewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: ME

Complaint narrative:
Since XX/XX/XXXX, our mortgage company has not refunded us the full amount of our XXXX  property tax money of {$4200.00} we paid with interest. The company was sending our property tax funds to the wrong town. That put a lien on our home so we paid out of our pockets to remove the lien. The company still is delinquent in our XXXX   taxes and we now owe {$4300.00}. They have been sending checks to the town of XXXX and we live in the XXXX XXXX XXXX. We have been trying to correct this issue since XX/XX/XXXX. The town of XXXX has been trying to get in contact with our mortgage company as well when we contacted them about our checks being sent to them instead of XXXX. XXXX XXXX XXXX stated they can refund us our XXXX   taxes but needed written authorization from our mortgage company which did not authorize since they work with a third party that handles our escrow account. This has been a nightmare dealing with AmeriHome and all they do is open a work order and close the work order without a resolution. We have called numerous times to resolve issue and not resolved.

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