vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

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 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc.
State: NJ

Complaint narrative:
On the day XX/XX/2020 the agency UNIFIN contact me to collect a debt to XXXX XXXX XXXX on the amount of {$1000.00}. The paper clearly says that the statute of limitation of this debt has already expired and that they will not report it to any credit reporting agency but the debt still shows on my credit score and history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
Hello : I have a mortgage with XXXXDovenmuehle Mortgage that I closed on in XX/XX/2020. My home is new and the property taxes were estimated for the escrow account. In XXXX of 2020 I discovered the estimated taxes ( {$2600.00} ) were much higher than the actual property taxes of {$710.00}. I began calling and emailing the lender to adjust my payment and perform an escrow analysis. On XX/XX/XXXX I emailed the actual tax bill to the lender and the first installment ( {$350.00} ) was paid to the county on XX/XX/XXXX. 
I finally received an escrow analysis on XX/XX/XXXX and the amount used for the taxes on the analysis is {$2600.00} which is not the amount due for the taxes. The lender has not adjusted my payment and/or corrected the analysis. When I brought this to their attention their response was I could file a complaint with CFPB, there was no assurance this would be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: AL

Complaint narrative:
In XXXX of 2021, I disputed a collection items, XXXX XXXX Account number XXXX with thisXXXX and Experian as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks

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 2021-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
I paid off one of a two part disbursement in XX/XX/XXXX and had to discontinue autopay to prevent another payment from being withdrawn from my account. In attempt to do so, Sallie Mae advised that I need to unenroll from autopay completely and re-enroll once I saw the account that was paid off was at a {$0.00} balance. 

I did as requested, waited for the {$0.00} balance, and made payments manually to the remaining two accounts to ensure my payments were on time. After the XXXX due dates passed and I confirmed the {$0.00} balance on the account I paid, I returned to their website to re-enroll in autopay - well in advance of my XXXX due date. This meant that two accounts needed to be enrolled, which I did. As you'll see attached, the online portal shows that all accounts are enrolled. Despite this, only one of the two accounts were enrolled. A payment was withdrawn from the single disbursement account only. 

On XXXX, XX/XX/XXXX, I began to receive collection calls for a past due amount. I asked them to review my autopay and explain why the payment wasn't taken. They were unable to explain why that happened on the one account while the other went through. I asked to speak with a XXXX several times and the collections person continued to ask to take the payment over the phone. Finally the person agreed to transfer me. I've now been on hold waiting for a XXXX for 24 minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TrueAccord Corp.
State: NY

Complaint narrative:
Hello, this is a very old debt that originated with XXXX XXXX. When I opened the account with XXXX XXXX, I opted for their payment protection plan. In XX/XX/XXXX, my business completely tanked and I could not afford to make payments, so I requested that the payment protection plan I paid for be used. 

XXXX XXXX did not apply this to my account because they started an extremely aggressive collection effort which was, for all intents and purposes, an assault on my phone. They called constantly from morning to night using different numbers and demanded that I give them a debit card number for a payment plan. The people that called were possibly in XXXX and using robot dial machines located in XXXX and other small, obscure cities through out Georgia. 

Apparently, at some point within the last year or so, XXXX XXXX sold the debt to XXXX XXXX. Now XXXX XXXX is taking the helm with a constant barrage of emails and phone calls. Many of the emails are peppered with threats of legal action. I also have a recent voicemail from them threatening legal action. 

The amount of the debt XXXX XXXX states in their emails is {$1400.00} and they say it is owed to a company called XXXX XXXX. The emails come from many different screen names. In the emails, XXXX XXXX is listed as the origin of the debt. This activity does not show up on my credit report. 

What does show up on my credit report is a collections action started in XX/XX/XXXX by XXXX XXXX for the amount of {$1100.00}. They list XXXX XXXX as the origin of the debt. 

I am also disputing this with the credit bureaus via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NY

Complaint narrative:
Some time in the beginning XX/XX/XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Some time in the beginning XX/XX/XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

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 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
Ive written and called this company. Several times the amount being reported to the credit bureaus is different then the amount they are telling me when I called ive ask for varied copies of this debt never received nothing

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XXXX XX/XX/2021 atXXXX XXXX, I received a text stating " The phone associated with your chime account has been updated to ( XXXX ) XXXX XXXX. Please contact XXXX XXXX at ( XXXX ) XXXX you did NOT request this change. '' I also received an email stating my email has been updated to XXXX. I immediately tried to log into my online banking app but was complete locked out. Someone else had complete control of my account! I called the Chime Member Services at ( XXXX ) XXXXand I spoke with a representative who told me that I needed to send a copy of my ID along with the last numbers of my social security number toXXXX. I sent the requirements in an email multiple times, I have fully cooperated every step of the way. I have received a series of emails that state my account was closed due to me going against internal policies. However I can assure I did not. Anything that went against the policy was from the person committing fraud against my account. Chime has been very unhelpful, they have closed my account, wont share any details with me, nor will they reimburse any of my money. I also filed a police reportat XXXX XXXXwith the XXXX Police Department and with the XXXX XXXX XXXX Police Department where the transactions took place. I had a total of XXXX in my checking and savings account, until someone was able to make a total of 3 transactions that I did NOT authorize. The transactions were {$1000.00} Thursday XXXX XX/XX/2021 at XXXX XXXX at XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, VA, {$1200.00} Thursday XXXX XX/XX/2021 at XXXX XXXX at XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, VA {$200.00}, and Thursday XXXX XX/XX/2021 XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA.This member was able to steal {$2400.00} from me AND still has access to my account. Chime also refuses to change my email and phone number back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Millennium Credit Consultants Inc.
State: CT

Complaint narrative:
I dont have any credit at all never had anything in my name not sure of what this is all about I was denied life insurance through XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX of 2021, I disputed a collection items, XXXX XXXX Account number XXXX with thisTransUnion and XXXX as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks

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 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have an XXXX Chase credit card which I have had for a few years. I have a credit limit of {$12000.00} and I owed over $ XXXX on the loan. I am currently going through a divorce and I was trying to purchase my own home. In order to qualify I needed to pay down some revolving debt. I paid off XXXX on the XXXX chase card. Doing this helped my debt to income as well as my Utilization. Let me preface this by saying I have never been late on 1 payment with Chase. I have made all payments on time for years. I pay them off and boom I qualify for my house and I am ecstatic. I get a letter in the mail dated XX/XX/XXXX. They are lowering my credit limit to {$7500.00}. Why? I have too many high debts on revolving accounts. OK but I need this to help my utilization. I called Chase on XX/XX/XXXX and she told me the PRR department wasn't in and to call the next day. I called on XX/XX/XXXX. I explained to the guy the situation, he was smug, in my opinion, and told me he had to pull my credit. I had paid off other debts and had a plan to pay more down. They tell you when you get preapproved to not apply for any other cards. I allowed him to pull it only for him to come back and deny me. So I can be approved for a {$240000.00} house but now a {$5000.00} increase in the amount I had just paid. The guy kept trying to get me off the phone as I was asking for further explanation and help as to not allow my score to drop where I didn't qualify for certain mortgage products. He didn't seem to want to do anything else to explain or help me. There are no exceptions and they do not account for any mitigating circumstances. I know Chase bank is a big company but I thought they would be more willing to help the people who have accounts with them. This does not create any sense of loyalty or wanting to advocate for other people to join Chase. If anything I would tell them to stay away because if you need them, they will not help you. The rep I was speaking to at Chase only advised he could have someone call me when I asked to speak to his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am writing to address this organizations refusal to assist with credit reporting. As with many others I was severely impacted during this past year. After losing a company, a job, my brother, and my father to XXXX, I like many others found myself unable to meet my obligations. America First Credit Union advised they understood what I was dealing with at the time and agreed to defer payments and limit collections on account during this time. However, they failed to provide any real options for assistance and instead have reported this account as being delinquent for the past year. How can an organization that is doing business in America during a pandemic absolutely disregard the needs of its consumers and continue to report detrimental information after advising they would assist. It is of no help to offer to hold off on payments and collection proceedings due to a worldwide pandemic, however still lack in the actual real help provided to people during such a difficult time. After burying my brother and father within a few months of each other I have been able to get myself back to current however am attempting to address the substantial delinquent claims being made to my credit reports. I have attempted to contact America First to discuss this discrepancy within their claims of assistance however was met with an unwillingness or desire by its associates to assist in correcting this. I will ask that America First review its decision to refuse assistance with regards to credit reporting based on the multiple hardships and losses that I personally faced this year and to please review and reverse its decision for negative credit reporting. To provide assistance to its consumers it must fully understand the position of its customers and adjust its practices and procedures during times where the whole world has had to make concessions based on a virus that has crippled the economy and set records for the amount of lives lost. I am able to provide any and all documents that would be requested of me to validate my claims of loss and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: The CBE Group, Inc.
State: UT

Complaint narrative:
The CBE group ( Account # XXXX ) is reporting a very old debt on my credit file. This debt is not only past the statute but also past the credit reporting limit. I would like to request that CBE Group remove this debt from my credit file. I no longer owe this debt and it should be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: VT

Complaint narrative:
At the end of my lease i called to have my in person inspection done. They explained that they were not doing inspections due to COVID but i could drop my automobile off at the dealership. I dropped the vehicle off and that was the end of it until i got a bill for new tires. I had just put new tries on the vehicle. Apparently they were not the right speed ratio. I called and explained that due to not having an in person inspection i was never able to rectify the situation. I said well if i have to pay for new tires then i would like the tires that i put on the vehicle. They told be the tires i had put on were sold with the car. The bill for the new tires they are charging me are {$600.00}. My question is why am i paying for new tires when the others were sold with the vehicle? I feel i should have been able to take care of the matter when it was inspected but was never given the option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On the day XX/XX/2020 the agency XXXX contact me to collect a debt to LVNV FUNDING LLC on the amount of {$1000.00}. The paper clearly says that the statute of limitation of this debt has already expired and that they will not report it to any credit reporting agency but the debt still shows on my credit score and history

Company response to consumer: Closed with explanation