vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: VA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-08 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: MO

Complaint narrative:
It started with XXXX XXXX XXXX, XXXX XXXX. XXXX. Now Real Time Resolutions is involved. They have tried to deceive me to sell my home and money. In XXXX XXXX XXXX and XXXXXXXX XXXX really mess up my loan. By putting mortgage in a Securitized Trust. I applied for a Loan Modification with XXXX XXXX and was approved XX/XX/XXXX. Right after that XXXX XXXX Transfer Servicing to XXXXXXXX XXXX My first statement said I had to pay {$9500.00} when it should have been {$390.00}. From that point it has been downhill. Within four months after my Modification XXXXXXXX XXXXe said I was in default {$11000.00}. They never prove to me how I owe that amount. I was forced to file Bankruptcy. It was very hard at time trying to keep up with arrears payments and regular payments. Then they forced insurance on my in their name. I would send payments and they were not applied. Then again, I was forced to file Bankruptcy it has ruined my credit. Less than a year after my loan Modification. I received a letter XXXX XXXX stated I was in default of a loan on behalf of XXXX XXXX in the amount of {$16000.00}. XXXX put in a claim that was Denied. They had presented so many different documents some was XXXX Mortgage as creditor and then XXXX XXXX as Trustee as creditor. Also, not providing a completed escrow statement and what was actually paid from escrow balance. Next XXXX made up an Assignment from XXXX XXXX to whom they supposedly were Servicing Loan for XXXXXXXX XXXX as Trustee. I contacted XXXXXXXX XXXX and they confirmed they had No affiliation with my property. Now just a month Ago another Assignment of Deed of Trust was filed Stated XXXX XXXXas Trustee has Transferred Deed of Trust To Real Time Resolutions INC XXXX XXXX. In XX/XX/XXXX XXXX XXXX  as Trustee stated No affiliation with mortage. Real time Resolutions has sent me over One Hundred Collection notices the month after my XXXX XXXX Discharge XX/XX/XXXX I didn't know who they were. No Assignments filed until XXXX XXXX on XX/XX/XXXX I received a Letter from XXXX XXXX XXXX that they have been appointed Trustee of the Deed of Trust to Foreclose on my home. It is so much more they have cause me so much Distress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CA

Complaint narrative:
I am requesting an Investigation to a XXXX XXXX XXXX for DEROGATORY information they have placed on my Credit Reports for 4 consecutive years I bought a XXXX XXXX in XXXX, paid the car for 3 years in the amount of {$440.00} and in XXXX, I had a accident and the car was Totaled by XXXX XXXX. The Insurance PAID XXXX XXXX the balance owed in the amount in excess of {$7600.00} and closed the file. 

I received a call from a Representative of XXXX XXXX who said the Balance was paid off and XXXX XXXX covered any residual balances. 8 months into the year, as I was checking my Credit File, I noticed a {$2400.00} balance reported on my Credit Files by CXXXX XXXXce ... .I called and ask what the balance was for, the Represented said it was residual balance from that XXXX XXXX and it could be settled. I told them XXXX and XXXX  PAID OFF the car as they - XXXX XXXX XXXX confirmed it in XX/XX/XXXX. 

While I continue to keep an eye on my Credit File, one Blessed Day I generated my Credit Reports and noticed the XXXX XXXX had climbed from {$2500.00} to {$9900.00} without any notice or supporting documentation from XXXX XXXX quantifying the balance ... .No Statement, No Reports, Nothing. They have been reporting this BOGUS Balance since XXXX as LATE PAYMENT FOR A CAR I DON'T HAVE. I have repeatedly asked XXXX XXXX XXXX if the {$9900.00} was interest, NO ONE from this Company can explain to me .... 

I reached out the California Attorney General 's Office and reported this matter, and they reached out to the Attorneys at XXXX XXXX XXXX. One of the Attorneys agreed on a Settlement Amount of XXXX for me to pay, which I did on XX/XX/XXXX via my Debit Card. As of XX/XX/XXXX EVEN AFTER THE {$1900.00} PAYMENT, Credit Acceptance IS STILL REPORTING my Account as LATE in the amount of {$9900.00} I want XXXX XXXX to DELETE ALL 60 months of DEROGATORY Reporting from XXXX XXXX going back to XX/XX/XXXX to date i.e. XX/XX/XXXX. MY XXXX SCORES have been damaged PERMANENTLY because of Credit Acceptance. They have continuously reported INCORRECT BALANCE which can not be quantified or verified Please help me resolve with this Company which has a reputation to RUIN LIVES and CONSUMER FILES ... ..THEY HAVE BEEN SUED by several Attorney Generals including Massachusetts because of BAD BUSINESS PRACTICES just as I'm facing today Thank you 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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I called experian twice last week and today XX/XX/2022 and spoke with a guy that told me he cant update my personal after the guy last week was suppose to dispute this information because it was not reporting correct on my report and he told me that he couldnt dispute take off. As continued to tell him that this is reporting inaccurate on my report he kept saying he cant and wont take it off to update my information correctly.

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 2022-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizens Bank has missaplied my mortgage payments several times. They applied several partial payments to principal rather than to suspended funds. I did not instruct that any of the payments were to be applied toward principal. I began sending 50 % of my mortgage payment bi- weekly in XX/XX/XXXX. In XXXX I recieved 2 of the payments back and was informed the bank does not accept partial payments. However, every payment up to that point had been, accepted and I discovered many of them were missaplied. I have called several times since the end of XX/XX/XXXX to have this corrected. It is now XX/XX/XXXX. Each time, after many call re-routes, disconnections, and much time on hold, I was informed the information was noted, the issue is being worked on, and I would recieve a call back within a week. I have never recieved a call back. Currently my account shows the current payment due as XX/XX/XXXX, although, I have sent payments that should have been applied as mortgage payments, which would cover XXXX and XXXX. I was told during my first phone call that a hold would be put on reporting to the credit bureau until XX/XX/XXXX. The issue should have been resolved by then. The issue still is not resolved, and Citizens has reported my payment as late, causing my credit score to decrease drastically. My fist payment in the amount of {$3300.00} was due XX/XX/XXXX. The following payments have been sent through XXXX XXXX XXXX XXXX bill pay service and accepted by Citizens Bank since our closing date : {$1600.00} on XX/XX/XXXX, {$3300.00} on XX/XX/XXXX, {$1600.00} on XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, {$3300.00} on XX/XX/XXXX. The following are dates that I have called Citizens Bank in attempt to correct this issue. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RELIANCE FIRST CAPITAL LLC
State: PA

Complaint narrative:
I set up biweekly payments with an extra amount towards the principle. Reliance First Capital , LLC holds the payment in a " suspense '' mode till the end of the month. I also made several extra payments towards the principle and Reliance First Capital , LLC holds the payment for over 30 days! For example I sent them {$50.00} towards the principle every other week since XXXX and called them in XXXX. They said they were in a suspense hold and did I want the money released? I said it should have been applied toward the principle as soon as it was received. They said that is not their policy and waited until XXXX to " release the funds. '' THIS NEEDS TO BE INVESTIGATED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: PA

Complaint narrative:
XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$670.00} {$0.00} {$670.00} Credit Limit : {$480.00} {$480.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$660.00} {$0.00} {$660.00} XXXX XXXX : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to Transunion, XXXX and XXXX regarding inaccurate information and they sent back a letter stating that the accounts are verified and updated still with inaccurate information. This has cause alot of hardship stop me from buying a home and being approve for other credit cards.

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 2022-03-08 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: PA

Complaint narrative:
XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$670.00} {$0.00} {$670.00} Credit Limit : {$480.00} {$480.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$660.00} {$0.00} {$660.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to XXXX, XXXX and Equifax regarding inaccurate information and they sent back a letter stating that the accounts are verified and updated still with inaccurate information. This has cause alot of hardship stop me from buying a home and being approve for other credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I recently tried to open a business account last year & I was told by NFCU that a check was deposited into my account years ago. My account was then overdrawn, closed, and the amount was never paid back to the bank. I have sent in several statements in this regard because someone tried to open a XXXX XXXX  XXXX account in my name as well. After doing my own personal research, I found out that scammers are at a all time high since the pandemic. I've been trying to correct all of my credit reports since last year. Any overdrafts on my consumer file should be paid in full. I should not any outstanding balances with any financial institutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: NH

Complaint narrative:
On XX/XX//22 I paid XXXXXXXX XXXX {$470.00} as a settlement for XXXX. This meant the debt was paid in full and could not report as past due or with a balance anymore. I have disputed with Experian and XXXX to have them remove this account due to violating my right to an accurate credit report. They continue to report it with a past due balance.

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 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello CFPB, I am writing to file a complaint against JP Morgan chase. I opened a joint account with my husband on XX/XX/2022 where we deposited some cash and 4 checks totaling roughly XXXX. On XX/XX/2022, we received a letter claiming that our account was going to be closed soon. We went to a branch the next day, and no one was able to help us as they claimed this was with another department. We kept trying to reach chase customer service and were not able to reach anyone who can provide us with information. Finally, we learned that they were holding funds due to " suspicious activity. '' Eventually, we got a check for the cash amount, but as of today, I have not been able to get the rest of the money. Chase claimed they could not verify the checks. However, one of the checks is from Chase itself. Also, I am aware that they did cash the checks as they were given to us from family members and friends, who were able to see that the funds were taken from their accounts. I ended up going to another branch and lady helped me, but even she has had issues to get in contact with the department that handles the check verification. As of yesterday, she got 3 checks verified, and I should be getting the money in one of my account within 5 business days ( which is a bit much considering that they have been holding the funds for over a month ). During a conference call with the branch lead and the department that closed my account, we discussed the last check and I provided the phone number of the person that issued it. The chase representative said that it matched what she had on file, and that I should just be able to call the next day and ask them to verify it. Today, I called as they told me, but the agent I spoke with refused to call the number and mentioned it was unverified, which contradicted what the other representative said the previous day. It just feels like they are not doing a good faith effort to retrieve my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This debt was paid off and this was suppose to be remove from my credit and the national loan database.

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