vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Asset Management Outsourcing, Inc.
State: NC

Complaint narrative:
Company never contacted me, or wrote me a letter, they opened a derogatory remark on my credit report using dates that are not possibly accurate. It is collection over a hospital bill and I have not been to the hospital in over 3 years yet they list a date this month, that is re-aging and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: LA

Complaint narrative:
At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.

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 2021-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bought a truck XXXX XXXX ( {$52000.00} ) on XX/XX/2021 from XXXX XXXX XXXX and got a loan about {$36000.00}. While I signed the purchase agreement and sales contract with XXXX XXXX, the dealership crossed the lender and changed it by Chase Auto Finance on its own copy. The sales contract was altered just after I signed it without my approval. Chase Auto Finance should have rejected the sales contract that has been altered.

Mr. XXXX ( General Manager XXXX XXXX XXXX and XXXX ) did not provide any justification on how his team practices business. In the other hand, Mr. XXXX called me on XX/XX/2021 and informed me that it was a common practice to make money on the back of the customers by selling the loan to a higher rate than proposed by the lender and then getting the difference. There are common practices, but that doesn't mean good practices. In my case, while processing my loan application, the XXXX financial advisor only qualified me for one lender/one rate and tried to convince me I will get a better interest rate if I buy their Mechanical Protection Plan, but by not buying any of their products the financial advisor went with the unfavorable terms ( 3.39 % /75 months instead of 2.62 % /84 months ) and secured the loan from XXXX  XXXX. By not knowing that I had the choice of lenders and rates, it seems obvious to say that I was limited in my choice, my ability to make a good decision and then my judgement was biased. There is a sales contract and a purchase agreement where XXXX XXXX was assigned and we agreed on that. Mr. XXXX is mistaken when he said I had a fair treatment while XXXX took advantage of the situation by knowing about a better lender, never disclosed that information to me and altered the contract for their own benefit. There is a big difference between assigning the lender ( what happened in my case with XXXX XXXX ) and re-assigning the lender by altering the sales contract. In numerous cases, the FTC has charged dealers for Deceptive, Unfair Sales and Financing Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I put a credit freeze and fraud alert on my account with Equifax a couple years ago. 

When I applied for credit a year or two ago, I needed to remove the freeze and fraud alert. So I snail mailed then the required information. But it was never lifted. 

Equifax never fixed the problem a couple years ago. I didn't follow up on it back then because the banks I was using used other credit reporting companies. But now I see that it is a problem, because XXXX uses Equifax. 

Today I applied to open a bank account at XXXX XXXX, but was turned down because of the freeze and fraud alert. So I went online to unlock the freeze. But there is still a fraud alert, so I couldn't open the account. 

I tried to phone Equifax XXXX, but the voice ID doesn't work, and the hold time is interminable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
Hello, I made a purchase on Target.com on XX/XX/2021 online and immediately called in to Target to cancel the order. I was told by Target that they were cancelling the order and the item would not be shipped and I would not be billed. The item was never shipped, as requested, but I still got billed for the item. The order information is as follows : Transaction Date : XX/XX/2021 Merchant : TARGET PLUS City/St : XXXX, Category : Household Transaction Type : Regular Sales Draft Original Amount : {$510.00} Merchant Description : Discount Stores Merchant ID : XXXX I've called several times about this and have gotten the run around over and over again, and have been told every time that I would be receiving a refund, plus any interest would be credited back to my account. I have called and contacted Target at least 7 times since XXXX and I still have not received my refund. I called on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021 about this issue and still have not received a resolution to this matter. Every time I call Target tells me they will help me, but then transfers me to another department stating that the other department is required to be the ones to help me with the charge and the interest. This goes on through several departments and then finally someone says they will get this resolved and I will be refunded within 3-5 business days. This has been going on for a few months now, so it's past 3-5 business days. I just want my money back and to not be paying for interest on something I never completed a purchase on or ever received as it was never shipped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21 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: LA

Complaint narrative:
Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a couple of account that are not mine, I have reached out to them to have it removed as fraud. 
XXXX XXXX XXXX was tricked into paying them., Have no idea who that is. 
XXXX XXXX XXXX XXXX was tricked into paying them., Have no idea who that is. 
XXXX XXXX, Have never done buisness with them, Completely Fraud. 
Inquiry From XXXX XXXX Not familiar with them. 
Inquires From XXXX XXXX XXXX The information is not matching, I have sent a validation letter to them more than 30 days and have not received any updates.

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 2021-09-21 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: TX

Complaint narrative:
Equifax is reporting a XXXX XXXX XXXX account that is closed the amount that is being reported is {$11000.00} and has several inaccuracies that is not FCRA Compliant. I have sent several letters disputing the inaccuracies and Equifax just mails the letter saying this account has been verified with no proof or any paper work. How can they verify if Equifax 's credit report has no account number listed and the account is reporting CO every month when a charge of is a dead account and can not report every month updating the date of last activity on a monthly basis. All credit bureaus should have the same information from the same creditor. The last letter I mailed to Equifax was on XXXX XXXX XXXX and they responded the account has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo XXXX # XXXX. 
On XX/XX/XXXX an unauthorized wire transfer for {$24000.00} was made out of my checking account. Wells Fargo contacted my wife and asked if we initiated the wire. We told them we did not and to not allow it to go through. I was assured it wouldn't be an issue. The following day I logged back into our account and the money was gone. We contact Wells Fargo and filled the claim listed above. They told us to give the fraud department 10 business days. After 10 days I received a letter from Wells Fargo saying our claim has been closed. I will provide a copy of the letter.

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 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I closed on my mortgage. During the closure process the bank did not offer any forms to send any excess funds - either via mail or wire. After closing the bank notified that they would be sending me a check and referred me to an online PDF that I had to bring into a branch or fax to in order to change my address to the place where the excess funds were to be mailed. The process itself was manual and inordinately arduous as compared to the other processes that they have around managing one 's mortgage. At best this is a broken process. At the worst, this process is working exactly as intended, throwing up hurdles and introducing an inordinate amount of friction in order to delay customers getting their excess funds and thereby making some additional percentage of interest on the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XX/XX/XXXX I was under the impression I was entering into a consumer credit transaction for a used XXXX XXXX XXXX with XXXX XXXX. A few weeks later I began to receive emails from Bridgecrest Corp requiring all documentation and communication be done by email only and demanding I pay an alleged car loan. I began receiving harassing calls and emails. Bridgecrest stole my personal information and began reporting false information to the consumer reporting agencies. I sent validation of debt documents in XX/XX/XXXX with no other response but to pay the alleged debt. They have harassed me as well as had multiple repossessions occur within the last year. I have kept record of the identity theft as well as the violations according to XXXX XXXX XXXX and am now demanding my restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: NY

Complaint narrative:
Equifax CFPB XXXX responded on XX/XX/2021 : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. 

The mailed results have not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: MA

Complaint narrative:
I got a mortgage on a mobile home in North Carolina a year ago. On XX/XX/2021 my home was delivered to my land. The company that I bought the home from gets paid by the mortgage company or bank a financial institute that holds the construction mortgage pays forThe home and fall when its delivered to the land. As a consumer we need to change this policy. The home should be partially paid for and then paid in full when you get an occupancy permit. I have had my home on the land for over three months I still have no occupancy permit. Im paying a mortgage and a high rent plus a storage unit for my stuff because I sold a house Believing that my home was going to be ready within 2 to 3 weeks after it gets on the land. Thats not the case Ive heard multiple complaints about this. I want to know how I can go about making it a law that the financial institutes that finance mobile homes do not pay for the home in full until there is an occupancy permit. 
If you can lead me in the right direction to do this. It would be greatly appreciate it. Thank you XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
When making an online, in person, cash withdrawal or cash transfer my card is blocked and declined. My direct deposit arent always reported. I also believe that my funds are being misused by the Financial institute. They have decreased my daily spending limit from XXXX to XXXX. When I asked why I wasnt given an explanation.

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 2021-09-21 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: Westlake Services, LLC
State: AL

Complaint narrative:
I had my credit report pulled and saw that I have incorrect information showing. I have notified the police and filled out a identity theft report. These accounts should be removed immediately. I have attached a report and a credit report to this packet. I am showing a charge off on a vehicle as well as several incorrect fraudulent bills. I have been dealing with identity theft since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.

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 2021-09-21 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: MS

Complaint narrative:
I submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and XXXX are also illegally reporting XXXX XXXX XXXX as " XXXX '' every month since XX/XX/2019

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 2021-09-21 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: MS

Complaint narrative:
I submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and Equifax are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019

Company response to consumer: Closed with explanation