vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 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: NY

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 2021-11-18 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: IL

Complaint narrative:
To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX Appalled by that information, I went directly to XXXX XXXX and in their response to my inquiry they claim to have never verified this item with you and gave me the enclosed letter stating they couldn't verify the bankruptcy .This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE XXXX  STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the letter from XXXX and the court house for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Investigative Concepts, Inc.
State: TX

Complaint narrative:
XXXX XXXX calls me frequently demanding to speak to a relative regarding medical debt. I have told them repeatedly that this is not his phone number and we do not even live in the same area. I have asked them to stop calling on numerous occasions. They continue to call. This began on XX/XX/XXXX. They called me XXXX times on XX/XX/XXXX and XXXX times on XX/XX/XXXX. I have no legal responsibility to pay my relative 's bills that I know nothing about and I would like them to stop harassing me.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-18 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: VA

Complaint narrative:
ON XXXXXXXX XXXX  MY DEBIT ACCOUNTS WERE HACKED. AS A RESULT, UNAUTHORIZED CHARGES OF {$12000.00} WERE MADE. 
CHASE BANK REFUSED TO PAY BACK TO MY ACCOUNTS. 
I REPORTED PROBLEMS ON XX/XX/2021 AND CHASE BANK DID NOT DO ANYTHING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to XXXX XXXX XXXX However, XXXX XXXX XXXX  is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the XXXX  XXXX XXXX XXXX was {$XXXX}. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXX Mortgage. From that date until XX/XX/XXXX, after heavy research, {XXXX was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {XXXX which included escrow. This is a gross overestimate of added fees and this is unlawful. 

XXXX  XXXX XXXX ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$XXXX for late fees and interest according to these documents. In XXXX of XXXX, {$XXXX  was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$XXXX. Now, XXXX years later with no cash out refinancing ever done, its totaling {XXXX  - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, XXXX XXXX XXXX XXXX began servicing this loan, after I was removed and their records shows a principal adjustment of only {XXXX}, and a balance of {$XXXX}, which would be a total balance of XXXX, not the XXXX. I have attempted to write XXXX  XXXX XXXX, email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by XXXX  XXXX XXXX and why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX years. This is fraud on so many levels.

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 2021-11-18 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
XXXX XXXX XXXX ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to XXXX XXXX XXXX However, XXXX  XXXX XXXX is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the XXXX  XXXX XXXX loan was {XXXX}. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXX Mortgage. From that date until XX/XX/XXXX, after heavy research, {$XXXX} was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {XXXX} which included escrow. This is a gross overestimate of added fees and this is unlawful. 

XXXX XXXX XXXX  ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$XXXX} for late fees and interest according to these documents. In XXXX of XXXX, {$XXXX} was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$XXXX}. Now, XXXX years later with no cash out refinancing ever done, its totaling {$XXXX} - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, XXXX  XXXX XXXX XXXX began servicing this loan, after I was removed and their records shows a principal adjustment of only {XXXX}, and a balance of {XXXX}, which would be a total balance of XXXX, not the XXXX. I have attempted to write XXXX XXXX XXXX email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by XXXX XXXX XXXX XXXXd why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX years. This is fraud on so many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: PA

Complaint narrative:
XXXX XXXX XXXX ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to XXXX XXXX XXXX However, XXXX  XXXX XXXX is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the XXXX XXXX XXXX XXXX  was XXXX. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXXXXXX XXXX From that date until XX/XX/XXXX, after heavy research, {$XXXX was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {$XXXX} which included escrow. This is a gross overestimate of added fees and this is unlawful. 

XXXX XXXX XXXX  ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$XXXX} for late fees and interest according to these documents. In XXXX of XXXX, {$XXXX} was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$XXXX}. Now, XXXX years later with no cash out refinancing ever done, its totaling {$XXXX  - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, XXXX XXXX XXXX  again began servicing this loan, after I was removed and their records shows a principal adjustment of only {$XXXX, and a balance of {$XXXX which would be a total balance of XXXX, not the XXXX. I have attempted to write XXXX XXXX XXXX, email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by XXXX  XXXX XXXX and why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX years. This is fraud on so many levels.

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 2021-11-18 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: ID Analytics, Inc.
State: DC

Complaint narrative:
On XXXX XXXX I received a letter in the mail from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  stating I owe a balance of XXXX according to XXXX XXXX XXXX the obligation or other security of the United States includes all bonds, certificates, of indebtednessXXXX XXXX XXXX currency XXXX fXXXX XXXX  notes, XXXX XXXX XXXX  notes, coupons United States notes, treasury notes, gold certificates of deposit, bills etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I have sent debt validation letters and disputes to RENTDEBT AUTOMATED COL in regards to a collection amount of XXXX. The Date Last Active and the Last reported date are inaccurate. According to 15 U.S. Code 1679c. I have the right to dispute. The account is still on my credit report. I would like for this matter to be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2021 I requested a virtual card for {$450.00} from Affirm Financial. The request was approved. I used the card to purchase a mobile phone from XXXX XXXX online on that date. The phone was shipped to me from XXXX XXXX but when I tried to activate it, I received the message " unable to activate ''. I called XXXX XXXX customer service and was told the phone had been flagged as stolen and and could not be activated. I was told I could either return it for a refund or have a new phone shipped. I opted for a refund. XXXX provided a return label and I shipped the phone back on XX/XX/2021. Tracking shows it was received on XX/XX/2021. 

I contacted Affirm Financial, explained the situation by opening a dispute. I provided all available documentation I have. As near as I can determine, XXXX XXXX has not issued a refund as they have provided no further contact. Affirm Financial representative responded to my dispute against XXXX saying it would take 90 days to review all documents. Today my account shows " PENDING, PROCESSING DISPUTE '' and no other details. 

After nearly 2 months, I still do not have this simple transaction to purchase a new phone resolved. Both XXXX XXXX and Affirm Financial have not demonstrated any attempt to expedite this matter. If I had known Affirm would slow walk any issues with their virtual card, I never would have utilized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: IL

Complaint narrative:
To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX Appalled by that information, I went directly to XXXX XXXX and in their response to my inquiry they claim to have never verified this item with you and gave me the enclosed letter stating they couldn't verify the bankruptcy .This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the letter from XXXX and the court house for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.

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 2021-11-18 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: IL

Complaint narrative:
To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX Appalled by that information, I went directly to XXXX XXXX and in their response to my inquiry they claim to have never verified this item with you and gave me the enclosed letter stating they couldn't verify the bankruptcy .This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the letter from XXXX and the court house for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and E OSCAR VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.

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 2021-11-18 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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 — Investigation took more than 30 days
Company: Conn's, Inc.
State: TX

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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 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 have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are 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 and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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 — Investigation took more than 30 days
Company: Westcreek Financial
State: NC

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company refuse to give me a credit report and update my information Someone also got a copy of my credit report without my permission They refuse to update my credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: MD

Complaint narrative:
i have been travelling and had missed some payments. When i tried to catch payments up Lendingclub refused to accept online payments and made me call a toll free number which was difficult when travelling. I was finally able to reach someone and they told me that my loan was now in charge off status. 
They refused to take automatic payments, representative said that i had to call in monthly. 
Their own information says that charge off status is when they " reasonably expect no further payments to be made '' This is clearly not the case! I am trying to make payments and they are making it very difficult. 
This is clearly a way to make things more difficult for the consumer and let lending club profit at the expense of debtors and loan investors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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 — Investigation took more than 30 days
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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