vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems LLC, Keeps Falsely Reporting To XXXX, XXXX, And XXXX Credit bureaus, XXXX XXXX Account Was Opened in XXXX Not XXXX Jefferson Capital System Is Highly Impacting My Credit And My life Negatively. They Also Keep False Last Reporting To Present Time When I have Never ever Spoken To Them Or Set Any Arrangement With Them. I Have Made Disputes With The Three Credit Bureaus, Only XXXX Has Taken Action And Removed The Collection Off My XXXX Credit Account, XXXX And XXXX Has Not Taken Action Yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed a collection account on my Experian credit report with Experian I included a copy of my credit card statement that clearly showed the account was paid in full. Experian decided the collection remains. I am unsure of how much more prof I can provide them then what I already have?

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 2022-01-26 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: I.C. System, Inc.
State: FL

Complaint narrative:
I recently pulled my credit reports and there are multiple collections for XXXX XXXX XXXX XXXX that IC System Inc. is reporting on XXXX. I contacted XXXX XXXX XXXX XXXX and was advised that I do NOT have any outstanding balances with them and they do not know why IC System Inc. would be reporting on their behalf. 

I have disputed these items with XXXX, but to date they are still reporting.

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 2022-01-26 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: DE

Complaint narrative:
XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so. REMOVE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: DE

Complaint narrative:
XXXX XXXX XXXX : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so. REMOVE IMMEDIATELY.

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 2022-01-26 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-26 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: TX

Complaint narrative:
Lets make this very clear, I am fed up with the excuses I am getting from you in regards to this account. This is not my account. If you can not provide me proof of this within 30 days then you MUST delete this bankruptcy at once. I will no longer tolerate this tremendous error to occur in something so sensitive and serious as is my credit report. 
This is the account that needs to be removed from credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Remove this account at once and since you claim that you have confirmed with them I need to see this suppose document with my signature on it proving this. If you can not provide me with this within the 30 days then you HAVE to remove that account. Do not push me to take legal actions!

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
I have been disputing the accuracy of a repossession that appears on my credit report. It's from XXXX but the repossession happened while I was incarcerated and had my identity stolen. The address listed on the repossession paperwork the company sent me has an address on it that I have never lived at. 
Furthermore the date has been re-aged. I have had no activity to this account since XXXX. 
Yet they are showing Date Last Active : XX/XX/XXXX XX/XX/XXXX on various reporting agencies. Neither date is correct. 
I also asked for a the following information and never received them : Original purchase price. 
Date and amount of all payments made. 
Date of repossession. 
Value of car at date of repossession. 
Amount the Car was auctioned off at. 

If this isn't removed from account due the fraud enacted with the re-aging of this accounts activity. I have proof that I was unable to to act on the account long before listed. If this matter and the requested paperwork is not provided, I will be retaining legal counsel, as I have already brought this matter to their attention, and are interested in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, around XXXX, I spoke to loan officer XXXX XXXX XXXX # XXXX. He was extremely rude. I was shopping for a mortgage refinance loan and he tried to keep me on the phone when I told him I would need to talk to my husband before I move forward with the mortgage. I have the right to shop around and get quotes from other banks. I was told not to hang up and to trust him. I felt pressured into agreeing to a loan. I told him I want to speak with my husband before I decide to proceed and accept the loan offer and XXXX told me, dont call me back. I probably would have agreed to the loan if I had longer than ten minutes to decide if I approved of the loan terms. I felt threatened and pressured. I am woman and of a protected class. I dont think he would have pressured a male applicant the way I was pressured. I feel AmeriSave is violating fair lending laws with their high pressure tactics and possibly UDAAP violations.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In XXXX I bought a subscription to XXXX, a trade magazine of the entertainment business, as a gift for my daughter. I used my TD Bank credit card to make the monthly payments. When she stopped showing an interest in the magazine, I attempted to stop the subscription by going online. I assumed I had closed the account, but over the next several months, I continued to see a charge on my TD statement for XXXX XXXX XXXX, with a telephone number. When I called the number I was informed that I no longer had a subscription to the magazine, then I was directed to a woman named XXXX XXXX XXXX XXXX, who asked that I send her documentation of the charges, which I did, and I never heard from her again. I then reached out to TD Bank Card Services, and was transferred to the XXXX Department, where a gentleman ( I don't have his name ) let me know that they would look into the matter. In XXXX of XXXX, I got a letter from TD informing me that I had waited too long to dispute the charges, and that there was nothing they could about the money XXXX XXXX XXXX had taken out of my account for a subscription I was no longer receiving. They referenced charges from XXXX to XXXX of XXXX, but made no mention of the charges that had been taken in XXXX, XXXX, XXXX ( when I complained ) and XXXX. I called again last week, and went through the process all over again. A woman named XXXX at the XXXX XXXX Department asked me to give her information about the charges, but she could see that XXXX XXXX XXXX was still charging me. She wanted to help me, but said it would take some time, and I informed her that I wanted to escalate the situation to her supervisor. She said her supervisor was not available, but would call me back " within XXXX business hours '' ( this was a XXXX, XX/XX/XXXX. ) I have yet to receive a call back. It is Wednesday, XX/XX/XXXX. I also informed her that XXXX solution might be to just cancel the credit card. XXXX said that would be a bad idea, because " XXXX still has all your information, and they can still bill you. '' (? ) I also went through the process with XXXX XXXX, who transferred me to a woman at XXXX, XXXX XXXX, who took my information and said she would get back to me. I'm still waiting. I have since noticed that on XX/XX/XXXX, my TD Bank Card statement contains XXXX refunds of {$59.00} that all landed in my account on the same day. I have no way to reconcile them against what I have been charged in the past, and XXXX 's XXXX Department made no reference to them in my calls, nor have they let me know in writing what the refunds are for. I'm still out about {$600.00} for a subscription I canceled months ago, and TD Bankhas done little to help me resolve this dispute. I intend to cancel the TD Card as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Early in XXXX of XXXX a predatory lender, " finwiser '', gained access to my checking account at Chase Bank. I discovered this discrepancy when I was discharged from the XXXX on XX/XX/XXXX, XXXX I immediately called Chase Bank. They claimed they could not help me. At this point finwiser had already withdrawn nearly {$1000.00}. When I contacted finwiser they claimed I'd agreed to pay them nearly {$16000.00} for a {$4500.00} loan. I explained to them that was illegal and I would never agree to such madness. They said to bad. Despite daily pleas with Chase to stop payment on this, predatory and abusive lender they refused. In XX/XX/2021 Chase gave this lender {$900.00} on an empty balance and added {$100.00} in overdraft fees. I've begun the process of changing financial institutions. Just this week, XXXX XXXX, Chase gave my entire checking balance, {$390.00} XXXX, to " XXXX XXXX ''. They have refused to refund my money even though I can not afford to donate my entire balance to anyone. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
VICTIM OF IDENTITY THEFT. 
How many complaints do I have to do? 
They refuse to lock my credit report when I was a victim of identity theft. 
I have been trying to get extended fraud on my reports since when I was identity thefted XX/XX/2020 They refuse to lock my credit and they refuse to investigate all my disputes. 
I am tired of complaining meanwhile my credit gets worse, they have donenothing I've submitters or asked over phone.

Thier actions are illegal.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
VICTIM OF IDENTITY THEFT. 
How many complaints do I have to do? 
They refuse to lock my credit report when I was a victim of identity theft. 
I have been trying to get extended fraud on my reports since when I was identity thefted XX/XX/2020 They refuse to lock my credit and they refuse to investigate all my disputes. 
I am tired of complaining meanwhile my credit gets worse, they have donenothing I've submitters or asked over phone. 
Thier actions are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: OR

Complaint narrative:
Dear senior CFPB officials ; My input on junk fees associated with award year XXXX student loan charges, mandatory back charges by lenders and banks called 'consolidation ' but these do not make one loan, it's just unexplained, multiple one-time fees imposed on students who hold a student loan and have the loans transferred under the power of the student loan lender and not by student request, in fact, these changes and charges are against my will. Initial charges were unclear, I have paid over 8 % interest on what should have been subsidized loans due to the involuntary, multiple initial loan amounts, subsequent consolidations and loan transfers. 

Unexpected loan amounts and thousands in fees for mandatory, involuntarily imposed loan transfers and consolidations which are changes adding fees that seemed too high ; and fees where it was unclear why they were charged. 

If this was a well-regulated, well-supervised banking industry, the most competitive in the world, then why am I locked into indentured servitude with a 47 year repayment plan? As a consumer, I never was able to benefit from the ability choose how the bank was lending to the school to meet their tuition needs. I was left in the dark about the amounts charged, {$10000.00} for a diploma mill ( not a real school with an XXXX XXXX ) and not aware I was being ripped off due to the non-cooperative nature of the lender, and the school being insolvent at the time of the enrollment and then disappeared after the State of California 's involuntary Administrative Dissolution. 

It's also somewhat unclear as to how effectively you at the CFPB will help regulate the fees that student lenders charge initially and the consolidation abuses that follow it and increase the principals without the knowledge or consent of the student debtor. Let my public input will you to try to better enforce efforts to free me. I have been a federal employee for 13 years. I have paid over XXXX, made at least XXXX payments, with XXXX of those being during federal employment which began 2008 and continues today. Not only did a fake school rip me off to begin with, leaving me at minimum wage, but the 8 % interest, compounding fees for multiple consolidations assigning thousands more to the principal, I have been wronged and deserve this to be heard and for policy to change for bad schools that lock kind people into bad loans, and the federal policies that increase the principal of them. 

////

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank allowed someone to open a cc using my ssn XXXX XXXX XXXX. This social belongs to me XXXX XXXX. I am requesting all reporting be deleted and ceased. This account was opened fraudulently. An JCpenney card and XXXX  card was opened under my social at this bank

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 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened my account online with Chase on XX/XX/XXXX of this year. Chase sent me two emails one indicating I was still eligible for my direct deposit bonus which I had direct deposit setup but had to cancel prior to the first deposit since they had sent me a letter stating they can't verify who I am. This letter was received two days ago on XX/XX/XXXX of this year. I had {$100.00} transferred from another account into my Chase account, when I attempted to withdraw the funds is the card was active and there was no problem obtaining balance information, when I called customer service they indicated that there's fraud on my account and I have to drive to XXXX XXXX XXXXXXXX to a local branch to give them my ID. My issue is two things first I was never asked nor ever sent an email phone call text anything asking me for proof of my address or proof of who I am I have at least three or four pieces of information that could identify my address as well as my person this was never requested. Now the problem is Chase accepted my deposit and they're refusing to disperse my funds I indicated to the representative it's a legal to hold somebody's funds if they don't have an account with you it's not interest bearing and you guys are collecting interest on it that is against the law. She put me on hold to see what she can do and after 20 minutes my lunch was over I didn't have enough time to sit and wait for them for an hour. So it's a twofold my direct deposit was to be set up and I was to receive a {$220.00} bonus upon the first direct deposit. The {$100.00} deposit was received and credited yet they're holding that for ransom, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I purchased my home in XX/XX/XXXX and since that time have done about {$150000.00} in upgrades. After these upgrades were completed I contacted my mortgage company Mr. Cooper to ask them about having my home reappraised so I could have the {$120.00} a month PMI removed from the mortgage. At that time XXXX of XXXX, I was advised that I would need to speak to someone at the company to get that information. When I received a call from the Mr. Cooper rep all they tried to do was sell me on a refinance and cash out option and said that they would send me the contact information for the appraisal company that I am required to use. As per the company rep I am not allowed to use any other appraisal company and if I do the results will not be valid. I requested the contact information to call appraisal company and set up inspection, i did think this was a little weird as i work in the insurance industry and we have to give out at least three options for clients to get work completed, I didn't think the mortgage company requiring us to only use their appraisal company was legal, but requested the information, rep said he would email it, i never received the phone number so on XX/XX/XXXX I contacted the company again and asked for the contact number for the appraisal company they required i use, at that time they told me again a rep would need to talk to me and again an agent called me to refinance but did not provide the requested information. Then on XX/XX/XXXX and XX/XX/XXXX i reached out again to the company to request the information directly through my online portal with the company, supposed to be a direct email to the company, and they have still failed to give me the contact number for the appraisal company and i am now still paying for PMI when i no longer need it but can't get it removed as they wont provide me with the company contact information for the company they are telling me i have to use

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: GA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE

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