vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
my name is XXXX XXXX I am a federally protected consumer, and upon checking my consumer report I see that Equifax is violating me I have never authorize with written permission for XXXX to report XXXX XXXX XXXX, and convergent outsourcing on my consumer reports. pursuant to 15 USC 1681b ( 2 ) this is a violation that XXXX needs to remove these items immediately no consent is identity theft. I am a federally protected consumer, and I am not happy with what is reporting on M y consumer report. I will take legal action if have to, because this organization is violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
After receiving the collection letter I contacted they company for back up documentation, since I had not been to business in question in years. The documentation they provided was list of charges, no back up documentation, no invoices, just a quick report showing I owed money. The money they are trying to collect on is first off over four years old and over the statute of limitations, but also not mine. They couldn't provide any paperwork for these " charges ''. These charges are not only not mine, but they are past the statute of limitations and they are trying to collect on them fraudulently. 

I have contacted they business and the collection agency who are both still trying to collect on this fraudulent debt. 

It's unacceptable that these companies are collecting with zero oversight or repercussions for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: WA

Complaint narrative:
Experian had updated the account with out properly fixing my credit score.The request from my last dispute was that they fix my score that negatively effect my life.

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 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been trying since XX/XX/XXXX to obtain a Corrected XXXX Form XXXX from my mortgage lender - USBank. I had a conference call on XX/XX/XXXX with the XXXX XXXX and Customer Service XXXX XXXX to review the valid real estate property tax payments made by USBank to XXXX XXXX XXXX XXXX on my behalf. In addition to the 2 legitimate payments for my XXXX property tax liability, USBank also made a duplicate payment - in XXXX - of a XXXX property tax liability that had already been paid AND that was already reported on my XXXX Form XXXX. XXXX XXXX returned that duplicate payment to USBank. However, USBank still included the extra payment in the total balance in XXXX XXXX of my XXXX Form XXXX. Essentially, USBank reported the same payment on my XXXX and my XXXX Forms and refuses to correct the XXXX Form. 

I have since closed my escrow account with XXXX XXXX XXXX because the convenience of having them pay my property taxes was not worth the huge lack of customer service with this issue.

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 2021-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My student loan servicer : NAVIENT continues report loan payments for Loan number 3 and also Loan number 4 which directly violates my loan borrowers ' right under the Cares Act as well federal and state consumer protection laws and the Fair Credit reporting Act. I have reached out to Navient at the beginning of the year XXXX or XXXX regarding a significant drop in my credit score by 30 points in attempts to resolve the dispute to no avail and then I attempted to dispute the action to the three major credit bureaus with no resolution. Lastly..I reached out to the Attorney Genersl office in writing this past XXXX and the correspondence received stated.. '' It was an civil matter. '' The way that they are reporting my payments and my account has drastically affected my score therefore causing more hardship financially during the COVID 19 pandemic ... .This is equally heartbreaking since I am a XXXX worker that has been struggling to work nonstop during the Pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I ordered a kitchen table and buffet on XX/XX/2021. XXXX XXXX kicked the order back and we never received. Well XXXX credit card charged us {$1000.00} for an item we never received. We have been dealing with this for 2 months.

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 monetary relief
Consumer complaint received 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have notified the collection agencies/original creditors several times and notified them that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC ID theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: CA

Complaint narrative:
There is one credit inquiry on my credit report that does not belong to me this is thru transunion I have disputed this with the bureau as well as reached out to XXXX XXXX and sent the bureau a letter that I received from XXXX XXXX stating that this is not mine and yet the inquiry is still on my credit report I need this off my credit since it doesn not belong to me!!!! 

XXXX - Inquiry date : XX/XX/2020 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 2021-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
In XXXX of XXXX  the full balance in question was fully paid I called the end of XXXX and Allied Collections or ACSI stated that by XX/XX/2021 the account would fall off On XX/XX/2021 they reported not paid I have the letter stating that it was paid in full When I contacted the company the employees were rude and belligerent and disregarded my concern and instead brought up an account that I had not even heard of from 7 years ago. I did not owe anyone from that far along. I have credit checks and I never received any letters from the other account and asked if I can receive a letter in the mail and they refused and hung up. 

I have the video recording of this.

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 2021-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Hi. I attended ITT back in 2016. I wasn't aware they were under investigation at that time and now have a big burden. A hefty loan that exceeded the loan amount because they tack on ridiculous amount of fees. Its nearly 50k when the program was way less than that. I am in desperate need for help as I have a child to raise. The loan is just a burden over me and just suffocating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Equifax multiple times regarding inaccurate public records showing on my credit report. I sent a method of verification on XX/XX/XXXX. On XX/XX/XXXX I submitted another letter to Equifax requesting an investigation and i have not received a response from them or any notice that they have started an investigation. Equifax stated that they obtained information through a third party vendor XXXX XXXX Data Solutions ''. I contacted XXXX by sending a method of verification on XXXX. XXXX was unable to verify the information requested, As a result, XXXX Subsequently removed bankruptcy record on XX/XX/XXXX. 

I attached all the letters showing multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XXXX of XXXX, I followed the instructions provided by Bank of America to access a paycheck protection program loan. My business was started in XXXX of XXXX so I submitted { per instructions ) my first quarter payroll in order to calculate the amount of the loan. I was found to be eligible for XXXX In XXXX of XXXX I applied for paycheck protection program loan forgiveness. Bank of America has been 'reviewing ' my application since XX/XX/XXXX. 8 days ago the bank sent me an email stating that a large portion of my loan was not eligible for forgiveness because I was not eligible for XXXX. I called the bank and received clarification. The bank was using the incorrect documents to calculate the amount that I was eligible for. This is easily resolved ... I just need to upload a letter of explanation. I have called twice in the past 8 days and received the promise that the portal will be opened so I can get this issue resolved. The portal is not open, I can not upload the necessary documents and Bank of America sent a follow up email stating that my application for loan forgiveness will be canceled in 7 days. I will then be liable to pay back the entire loan amount. There is no way for me to communicate effectively with the bank and to provide the requested clarifying documentation.

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 monetary relief
Consumer complaint received 2021-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I LOOKED AT MY CREDIT REPORT TODAY, AND TRANSUNION SHOWS FROM THE MORTGAGE COMPANY, XXXX MY LAST PAYMENT WAS MADE ON XX/XX/2021 WHEN IN FACT THE LAST PAYMENT OF {$1900.00} WAS MADE ON XX/XX/2021. THE DATE OF THE UPDATE ON TRANSUNION IS XX/XX/2021. PLEASE HAVE XXXX UPDATE ALL CREDIT REPORTS TO REFLECT MY XX/XX/XXXX PAYMENT.

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 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I obtained a loan from Chase in XX/XX/2019 to finance an end-of-lease buyout. In processing the title transfer from XXXX XXXX to Chase Auto, Chase failed to pay a {$50.00} title transfer fee so the XXXX rejected Chase 's paperwork. I have been unable to renew this car 's registration since 20 months ago and therefore can not drive the car. I have made many calls, emails, secure messages and I am unable to resolve this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Me and my Spouse have similar first name with different last name. Transunion keeps messing up our credit report. When we applied the mortgage, the credit report show that my spouse doesn't have any accounts under Transunion and her credit score is XXXX, and some of her accounts and loan is under my credit report. Called Transunion few times, they use MY name and date of birth under Her SSN. She tried to file dispute and mail all the documents they required ( copy of SSN and driver license ) to them, and I called them to dispute the accounts which do not belong to me. Two weeks later, my spouse called them to confirm they have received the documents, and dispute the accounts which do not belong to her ( should be under me ). And when I called to check the status of my dispute, they said there is no dispute case under my name, and I don't have any accounts and credit history under my name and SSN. My credit score is XXXX and I can not even see my credit information from Transunion website ( which I specially paid for this issue ), and I couldn't even log in after few hours later. Provided all the information again, and they submitted a " CASE '' and need me to call back for another 5 business days and " hope '' to get it corrected.

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 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I purchased a XXXX XXXX through Ally Bank last XX/XX/XXXX. Which I was diligently paying for. On XX/XX/XXXX. There was a payment made of {$13000.00} as shown on my online account portal. My husband has habit of paying my loans so the activity did not surprised me. That left me with {$420.00} loan amount with Ally that I paid for on XX/XX/XXXX. This closed my load with Ally Bank. 

Ally Bank sent me a copy of the receipt via email and mail few weeks after that. I was very patient with the obtaining the title because of pandemic, I feel that XXXX  was closed for a time or having delays. 

I called Ally around XX/XX/XXXX and followed up the title and found out that they made a clerical error on their part and that my car is not supposed to close. Now, XX/XX/XXXX. They reopened my loan and told me to pay {$15000.00}. My car does not even costs this much anymore after more than a year of closing my loan. I recently receive a repossession letter from them. 

I feel that it is not right for me to salvage them and pay for interest because Ally did a mistake on their part and now taking my car and damaging my good credit score. This is a scary mistake that Ally created and consumer needs to pay.

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 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
I have had issues with Amerihome Mortgage Company over 3 different times where we made a payment and it didn't reflect on our end to show the payment was made. They would misapply the payment to either escrow or deferred balance but not to the principal loan which is how each payment was clearly made.They have been playing games with my mortgage balance and I have to call numerous times each time just to get my issue resolved. Please I am begging someone to help me. I have asked this mortgage servicer to sell my loan to some other company who is more responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My Name is XXXX XXXX i am reporting a federal violation that i need to be resolved immediately transunion is reporting XXXX XXXX XXXX pursuant to 15 USC 1681 b ( 2 ) without my written permission Transunion. I demand that this be removed from my reports no consent is identity theft, and I need for this to be removed immediately if not I will take legal actions. I sent Transunion a letter stating these violations. This is 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 2021-06-16 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: MD

Complaint narrative:
Ok we're back to trying to get Equifax to remove the credit providers report from my wife 's credit report. The providers report has already been removed from all four my credit reports and on three of my wife 's credit reports. We have provided the signed request from XXXX XXXX that indicates they asked this in a letter dated XX/XX/2021. We have sent nearly an half dozen complaints to get this problem solved, with there already being four complaints already sent to Equifax, who is the last credit reporting agency to remove the account with it still being on my wife 's account to this day. They have twice responded that an action was taking and an email was sent to us to show what action was taking. In those two last responses, the account is still present on the Equifax reporting only of the four reporting agencies. The letter indicates that the item is not showing with the second letter showing " THIS ITEM HAS BEEN DLETED FROM THE CREDIT FILE '' But when checking this for ourselves, the account is actually still there ( Not removed ). The listed previous complaints : XXXX - XXXX - XXXX - XXXX all seem at this point show that Equifax has no intent on removing the providers credit report from my wife 's credit file. 

I had also attached in some of the listed ( numbered ) complaints one of the letters the provider sent me that they had sent to request that all four credit bureaus to remove the account from our ( my wife and my self 's ) credit report, but for some reason and some months since the XX/XX/2021 letter from the credit reporting company 's request, that Equifax has for the past three months has failed to remove the credit account from my wife 's credit reporting, though the other three credit bureaus and Equifax has already removed this from my credit reporting, and that the other three credit reporting agencies has also honored the credit providers request to DELETE the account, with only EQUIFAX not honoring this request. So we've ben told to open one more complaint asking Equifax to DELETE the credit providers XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
Regarding : AMCOL SYSTEMS is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX., and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. AMCOL SYSYEMS has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 
In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me. 
AMCOL SYSTEMS has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. AMCOL SYSYEMS has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. AMCOL SYSTEMS fails to respond to my verification letter by certified mail as well as my cease and desist letters.

Company response to consumer: Closed with explanation