vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On Equifax i have disputed sever items and everytime i try to sumitt it states error on several ones im trying to dispute. Then on one account they show its in negative but yet they have it listed again in great standing with payment history and acc current??? It cant be negative and positive but the account is paid in full and has been since 2020.

Then on another account its over 7 years old and shows paid in full but yet listed in negative. They just keep sending back account as when its not on everything ive disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: AR

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have Child Support with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
I have Child Support with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX CO XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, 2022, I was having dinner with my wife and attempted to pay with my Chase credit card. Mind you this was in a rather crowded restaurant. The waiter returns saying that my credit card was declined. I paid with another card. Upon contacting Chase Credit Card services and inquiring about the decline ( considering that my account is in excellent status and have never had a problem with it ). The representative advised me that there was nothing the matter with my account and that the decline was ordered due to Chase requiring positive identification that I was the one making the purchase. This was infuriating to me, as I had mentioned, because I have never had a problem with any of my credit cards. I asked to be transfered to a supervisor and I made it perfectly clear to him that I had used this same card on a couple of other occassions on this same date and that I wanted a valid explanation as to why this transaction was declined. He said that it was because Chase was requiring positive identification. And that Chase was trying to " protect my account '' from fraud. In a polite manner, I told this man that he was lying. Chase ( or any other credit card company ), does not " protect '' their cardmembers. They are protecting themselves. As cardmembers in Texas are not liable for credit card fraud with the exception of {$50.00} I made it clear to this person that the matter was extremely upsetting and quite embarassing to me due to the location where I was at when this card was declined. My complaint to your office will consist of the following. If this was indeed a fraud decline, I am requesting from Chase Credit Cards services, a detailed number of other declines that were processed on this same date for this same reason. As I am accusing Chase of singling my account out specifically. If they are not able to present proof that other cardholders experienced this same process, then I request that the CFPB invesitgate the process by which Chase Credit Card services is abusing my rights as a cardholder by declining charges that I am able to make based on my excellent credit history with their company and with sufficient credit limit to make this charge. Again, I believe I was singled out unjustly in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent XXXX, XXXX and Transunion letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave XXXX, XXXX or Transunion consent to furnish this information which is a direct violation of my federally protected rights.

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent XXXX, Experian and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave XXXX, Experian or XXXX consent to furnish this information which is a direct violation of my federally protected rights.

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 2022-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent XXXX, XXXX and Transunion letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave XXXX, XXXX or Transunion consent to furnish this information which is a direct violation of my federally protected rights.

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 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account. 
Company Name : Wells Fargo, the account was last updated in the sum of {$0.00} on XX/XX/2021. 
Company Name XXXX XXXX XXXX XXXX ( original Creditor XXXX XXXX  ), the account was last updated in the sum of {$540.00} on XX/XX/2021.

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 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I currently have a collection account on my credit report from XXXX XXXX for a XXXX account. My current XXXX account is active and has been since XXXX. I reached out to XXXX to confirm this reported collection account existed and they stated they have no record of the account or any collection attempt matching my ssn # in the past years that I have been a customer. They also confirmed that I have no past due balances and my account has stayed active. I then reached out to the reporting credit agency, XXXX XXXX, to request removal of this account from my credit report, but they also could not access the account in question and all they could do was confirm there was an account with a {$0.00} balance. XXXX XXXX stated that they withdrew ownership of that account so no action can be taken on their end at this point. I filed a dispute with Equifax about this account and after 30 days they stated that all the information reported was accurate based on their investigation. The attached dispute results also added that the account was paid XX/XX/XXXX, and I have no idea about that payment or where it came from or why. I would like to know why we are getting drastically different results in our investigation since I spoke with both XXXX and XXXX XXXX and neither have access to any active account belonging to me in order to assist with anything and no historical details. I called Equifax support for assistance and they stated that there is nothing they can do as their investigation came back as accurate and only the reporting credit agency can request removal of the account anyway, which means there was never any benefit to filing a dispute with Equifax since they allow whatever the credit agency says to be what is reported. I am not sure why there is no ownership for the account and why it is so difficult to request removal of it when there was never a past due balance to begin with and my XXXX account is still open and active?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
DATE : XX/XX/XXXX IT COMES TO OUR ATTENTION THAT THE LOAN SERVICER SLS AND ACCOUNT MANAGER XXXX XXXX HAVE WILLFULLY MISREPRESENTED US IN COMMUNICATING WITH THE INVESTOR, XXXX XXXX XXXX XXXX ( XXXX ), WITH REGARDS TO OUR OFFER TO SETTLE THE ACCOUNT AS A SHORT SETTLEMENT. 

IN A MAILING TO US FROM SLS DATED XX/XX/XXXX, OUR CREDIT SCORE WAS STATED AS XXXX * AND GIVEN TO THE INVESTOR FOR APPROVAL OF OUR SETTLEMENT OFFER. HOWEVER, AT THAT TIME OUR XXXX SCORES REPORTED TO SLS IN XXXX AND XXXX WERE ALL ABOVE *700*. 
SO SLS KNOWS OUR XXXX SCORE IS ABOVE 700, BUT THEY ARE TELLING XXXX THAT ON XX/XX/XXXX OUR SCORE IS XXXX. THEY LIED. 



ON XX/XX/XXXX XXXX OF SLS TELLS US AT THE BEGINNING OF THE TELEPHONE CONVERSATION THAT SHE HAS NOT SENT OUR LATEST SETTLEMENT OFFER TO THE INVESTOR FOR APPROVAL. SHE SAYS THAT SHE WILL DO SO EITHER TONIGHT OR IN THE MORNING. LATER IN THE CONVERSATION SHE IS ANGRY AND TELLS US THAT OUR OFFER HAS BEEN REJECTED, OBVIOUSLY, SHE MAKES MAKE THE DECISION WITHOUT SLS MANAGEMENT OR INVESTOR CONSENT. 

WE ASKED XXXX OF SLS, TO PROVIDE US WITH THE INVESTORS CONTACT INFORMATION. WE RECEIVED A LETTER WITH THE WRONG ADDRESS FOR XXXX, NO EMAIL ADDRESS, AND NO PHONE NUMBER. 
WE HAVE FILED A FEW COMPLAINTS WITH THE CFPB, BUT THEY ALSO LIED TO THE CFPB. 

XX/XX/XXXX, WE RECEIVED A MODIFICATION AGREEMENT WITH A PRINCIPAL BALANCE INCREASE OF XXXX, ( IN THREE MONTHS ) INCREASED INTEREST RATE FROM 4.875 TO 5.375, IN 3 MONTHS, WITH AN INCORRECT XXXX SCORE OF XXXX. 

THIS IS A VIOLATION, ( PREDATORY MORTGAGE SERVICING ) OF UNFAIR, DECEPTIVE, AND FRAUDULENT PRACTICES BY SPECIALIZED LOAN SERVICING AND THE INVESTOR, FORCING US TO AGREE TO UNFAIR AND ABUSIVE LOAN TERMS WHICH WILL MAKE IT DIFFICULT FOR US TO MAINTAIN AT OUR XXXX  AGE. 

CFPB, PLEASE ADDRESS THIS MATTER AND FORWARD OUR CRY FOR HELP TO ALL AGENCIES THAT CAN STOP THIS ABUSIVE BEHAVIOUR OF PREDATORY MORTGAGE SERVICING OR INVESTOR UNFAIR AND ABUSIVE LOAN TERMS. 
SINCERELY XXXX AND 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 2022-02-15 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: NJ

Complaint narrative:
I sent Equifax, XXXX and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave Equifax, XXXX or XXXX consent to furnish this information which is a direct violation of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent XXXX, Experian and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave XXXX, Experian or XXXX consent to furnish this information which is a direct violation of my federally protected rights.

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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX has over {$5600.00} of my hard earned money on escrow account but is not making any payments and i have been receiving letters from the county for missed payments. 

I have called XXXX multiple times and they keep promising to fix the problem and nothing happens. Just called again tonight and they tell me they are raising it up higher, same thing they told me last week. They have copies of of all the tax bills i have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I made an application for a mortgage product at Td Bank. According, to the officer I needed an additional person or persons on the mortgage application because I am single. In that case, I talk with my parents. Therefore, I told the officer to add my parents. Later on, when she was ready to call them. I told her to call with a translator because they have limited English. After that, me o my parents have not received any calls from Td bank regarding our application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account. 
The account was under XXXX XXXX ( Original Creditor : XXXX XXXX ) last updated in the sum of {$540.00} on XX/XX/2021.

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 2022-02-15 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: TX

Complaint narrative:
I have new information regarding CFPB complaint # - XXXX, XXXX, XXXX, and XXXX. This company have sent me a letter stating everything came back verified with no description of the procedure used to determine the accuracy and completeness of this information as requested previously. I no longer want this company to mail me anything. Please upload all correspondence through CFBP. If this company does not honor my request, I will pursue legal action and a complaint to the attorney general. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX I sent a check to Fay Servicing for XXXX $ to pay off the balance of my home in the amount of XXXX $ it was sent certified mail XX/XX/XXXX with return receipt they have received the check it shows on the return card I called them everyday for a week asking why they have not applied the funds to pay off the mortgage and then after multiple phone calls they told me tonight XXXX they are refusing my check ( yet they told me they never received it ) and they have no plans of paying off the mortgage so when I asked if they would return they check back to them they told me no I am at a loss.. I read reviews about them and they are doing this to everyone not just me this check has a 90 day expiration if they dont send it back to me I will lose all that money and have to see if the company will issue another one and I dont know how that will go either I just need help Im XXXX and no one will help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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