vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX, XXXX, and Transunion were all mailed letters disputing inaccurate information on my report. They are all reporting different data for the same accounts on my report. ( see attached letters ). My letters were all sent certified and they have all surpassed the thirty day period from the day it was delivered and sent me no update as to why they are reporting incorrect information. This is hurting my ability to obtain credit and they are in violation of my legal rights failing to investigate and update or delete these accounts.

I have asked them to Please remove these accounts from my credit report do to the fact that there are different dates last active reported by each bureau. How can there be different dates when this is what stipulates when the account naturally falls off of my credit?

I also have an account XXXX  which has surpassed the 7 year mark and is still showing as a negative item on my report. 

I also asked them to delete an account due to the fact that there are different late payment status displayed for all three credit bureau 's. How can each be displaying different information if the information on my report is supposed to be reported correctly? XXXX Was 30 Days Late 9 Time ( S ).

Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ), XXXX Was 30 Days Late 7 Time ( S ). Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ).

TransUnion Was 30 Days Late 4 Time ( S ). Was 60 Days Late 2 Time ( S ). Was 90 Days Late 3 Time ( S ).

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX, Equifax, and XXXX were all mailed letters disputing inaccurate information on my report. They are all reporting different data for the same accounts on my report. ( see attached letters ). My letters were all sent certified and they have all surpassed the thirty day period from the day it was delivered and sent me no update as to why they are reporting incorrect information. This is hurting my ability to obtain credit and they are in violation of my legal rights failing to investigate and update or delete these accounts.

I have asked them to Please remove these accounts from my credit report do to the fact that there are different dates last active reported by each bureau. How can there be different dates when this is what stipulates when the account naturally falls off of my credit?

I also have an account XXXX which has surpassed the 7 year mark and is still showing as a negative item on my report. 

I also asked them to delete an account due to the fact that there are different late payment status displayed for all three credit bureau 's. How can each be displaying different information if the information on my report is supposed to be reported correctly? XXXX Was 30 Days Late 9 Time ( S ).

Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ), Equifax Was 30 Days Late 7 Time ( S ). Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ). 

XXXX Was 30 Days Late 4 Time ( S ). Was 60 Days Late 2 Time ( S ). Was 90 Days Late 3 Time ( S ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX at XXXXcst I spoke with customer service representative XXXX who after advising me of repayment options set me up on the Standard Repayment plan and advised my payment would be {$85.00} per month and the due date would be XX/XX/2023. 

One week later I checked my online account and it stated my bill was {$100.00} and due XX/XX/2023. While this info was incorrect, I went ahead and paid the amount. 

One week later I received a letter advising I had been set up on an Income Driven Repayment plan and would now be charged {$180.00} per month. After calling and e-mailing Nelnet SEVERAL times with no answer/ response, I was able to reach Customer Service representative XXXX on XX/XX/2023 at XXXX cst. She put me back on the Standard Repayment plan and advised my bill would be {$93.00} per month going forward. 

I then checked my account a few days later and it showed my new payment amount would be {$140.00}. 

I have called XXXX times, sent XXXX emails, and am as I write this on my XXXX phone call and have been waiting XXXX minutes to talk to someone. 

This whole ordeal has been absolutely atrocious, if any other agency or company acted this way they would no longer have a business. How peoples Federal student loans were put into the hands of this incompetent services is beyond appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Both my checking and savings accounts were suspended by JPMorgan Chase Bank on XX/XX/2023, and I received letters from them that my account was locked in order to protect me. I called the number on the letter multiple times, but their answer was obscured, and contradictory. In the letter they told me that my account was locked, but on the phone they told me that my account was closed. According to the contract when opening the account, I agree that they have the right to close my account, but there is no reason to delay so long and withhold my savings. Every time I called, they couldn't tell me when I would receive my funds or why. I was like a ball being kicked around by various departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I have made several attempts to communicate directly with PENNYMAC BANK CEO, but was unsuccessful. I would like a direct response from XXXX XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
As always, I sought to make my mortgage payment on the first of the month online. Mr. Cooper previously rejected a payment made through my bank, XXXX XXXX, so since then I used the online process. On XX/XX/XXXX through XX/XX/XXXX, the Mr Cooper website stated that there had been a cybersecurity incident, and no payments could be made. On the evening of XX/XX/XXXX, the site claimed to enable payments by alternate means. The Phone option failed to recognize my phone number four times so I could not use it. I used an unusual online one time process that said I had completed the payment and that it had been accepted. I took a photo of the alleged receipt. However, by morning that site said the payment could not be processed. I attempted to reach customer service by phone. However the Phone message said no customer service could be had. My bank statement shows no payment. The Mr Cooper site says no payment has been made. I tried to create a customer service ticket and sent it online, but four times the site said that the ticket could not be sent.. Despite the security incident, there should be phone service or some other functional service to clarify whether payment has been made. 

Mr Cooper has a history of extensive customer fraud. it is time consuming and frightening to deal with this entity. I can not afford to make more than one mortgage payment per month. 

I need to know whether my payment has been made. I have the photo that shows alleged acceptance, but as previously stated, I am unable to confirm payment and have some indications that Mr Cooper disavows the payment.. 

I do not know why this horrendous entity is not closed... .it is harmful to consumers and completely uncooperative and frightening to deal with..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Prime Recovery LLC
State: UT

Complaint narrative:
Received a text from Prime recovery on XXXX XXXX XXXX " you'll rcv acct msgs from prime recovery debt collector # XXXX msg & dataratesmayapply. XXXX XXXX XXXX XXXX XXXX XXXX to optout reply stop '' Replied " stop '' on XXXX XXXX XXXXXXXX Received the exact same text at XXXX on the same day followed by 2 more texts " Thank you! You will no longer receive text messages to this telephone number. '' and " Prime Recovery Debt Collector : You have successfully unsubscribed and will no longer receive text msgs. '' XXXX at XXXX received " XXXX XXXX this is XXXX with Prime Recovery regarding your account owing {$4200.00} we can have this DELETED from your credit report within a few days after you pay it off! Call XXXX or login at XXXX XXXX XXXX Reply STOP any time to unsubscribe. '' Replied stop at XXXX same day. 
Received the same 3 texts that followed the first stop. 
XXXX received " PRC is a debt collector login to your account or call. Reply stop any time to unsubscribe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Closed Claim XXXX from Midland Credit indicated that they attached documentation validating the {$740.00} debt that they are reporting on my credit. However, the original contract/application or any documentation that reflected my signature was provided. They did provide the credit card statements from several months and indicated that those documents ( see attached ) validated the debt. Again, this debt isn't valid!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wallet was stolen and inside my wallet was a few person items like my ID my social security card my debit cards and a few other things. I reported this to Chase bank and my claim was denied the next day. With no reasoning as to why. Since I forget everything I wrote down my new debit card pin which was inside my wallet. I just had a baby 3 weeks ago I cant afford to have money go missing. Chase isnt any help at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-11-07 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have XXXX hard inquiries that were all unauthorized. 

XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX Syncb/ Amazon XXXX : XXXX XXXX XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2023-11-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have XXXX hard inquiries that were all unauthorized. 

Bank of America XXXX : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Inquiry : 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 2023-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
This is regarding my cashapp account. Back on XXXX of XXXX I opened my cash app account under my name with my address and my bank account information. Up until a few months ago everything was working just fine. XX/XX/XXXX, I reported suspicious activity on my card to cashapp. I requested and received a new card. When I received my card, the wrong name was printed on it. I immediately contacted cash app customer service, they told me that no name change can happen except by the legal owner of the account. My name was on my first card. The name printed on my new debit is my mother 's name. ( My mother passed away in XXXX. ) Cashapp customer service suggested I order yet another card. I did, it also has my mother 's name on it. My mother NEVER had a cashapp acct. She was bed ridden beginning XX/XX/XXXX until her passing. Today, XX/XX/XXXX I called cashapp, to verify my identity they ask for my name, phone, and zip code. I provided the information. They disconnected my call stating I provided the wrong information. I provided The zip code they mailed my new cards to. I Provided the name on the account, and the phone number associated with the account. I called back. They disconnected the call AGAIN! The information listed on my cashapp account is my name, Has always been my name, It has not changed. I went thru my account statements back to XXXX, my name is listed on every statement. Furthermore, cashapp provides small cash advances. I have used this service several times. Yesterday, I requested a small advance. 
Pmnt pending to confirm ID verification. They have never asked this in the past. I provided my Texas DL and my photo. My ID also has the same address as my account. No one at cashapp will help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and 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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent a letter out on XX/XX/XXXX and XX/XX/XXXX to XXXX, and Transunion. However, the credit bureaus said the completed the investigation and everything was % accurate.

15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-11-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-11-07 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: IL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I'm getting 6 calls or more from Comenity Bank from various numbers starting at XXXX and going into the evening. I have spoken with someone to tell them I'm waiting for my account number to set up an account and make my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have grown tired of Experian not following the law and the CFPB not requiring them to follow through adhere to timelines and follow Fair credit reporting laws as well. 

Attached is proof that they have received my dispute along with all of the evidence they keep asking me for that I keep providing that is breaching my identity even further. I have uploaded mailed faxed and emailed copies of identification and everything that they have requested from me with evidence attached that they have received it on XX/XX/XXXX. They have failed to respond to multiple complaints thoroughly or investigate them thoroughly. I have contacted a lawyer because they are the breach of my data and why my identity was stolen.

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