vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 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: VA

Complaint narrative:
on XX/XX/2022 I called EQUIFAX concerned about an inaccurate account that I had already gotten removed. Account number # # # # # # # # # # # # # XXXX from receivable managements systems was reported on my consumer report on XX/XX/2022 after I had gotten it removed in XX/XX/2022 ; I did not receive any notification of the entry of this negative collection, any validation of debt, verification of debt from Equifax nor XXXX XXXX  XXXX. While I was on the phone with an Equifax XXXX, I informed her that I already called XXXX XXXX XXXX and requested verification of debt and Validation of debt I did NOT receive any information for either. I then asked her what information did EQUIFAX obtain to verify the debt and the XXXX aid she did not see anything there, even though the account has been disputed before and Equifax allegedly completed an investigation but does not have any documentation regarding the debt. EQUIFAX and receivable management systems violated my consumer RIGHTS and I want the accounts removed to fine both parties {$1000.00} USD each for violations of my consumer rights, failing to protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My father gave a check of to cover my college expenses that I have just started in XX/XX/2021. The check was for {$50000.00} I deposited the check on XX/XX/2021. They told that the money would be available on XX/XX/2021. Couple of days later I was surprised to receive a letter on XX/XX/2021 from Chase bank telling me that they would close my account. XXXX XXXX I received a cashier 's check from Chase bank for the amount of {$640.00} I was surprised that they ignored my deposit of {$50000.00} completely. My father and I who has the same problem with Chase started talking and claiming with Chase bank even when my dad provided them with ever proof possible to validate the check. All has been in vain with my money holded back for no credible reason, this is not fair and this not how a bank like Chase should treat its customers. I need my money urgently because I have no other way to my tuition fees. I want to remind you that I am student at XXXX College XXXX XXXX and XXXX and my father issued the check so that I can continue my school but they put a hold in the deposit of {$50000.00} without explanation. 
The check as I was told by XXXX XXXX XXXX was cleared and cashed but yet they have not sent my money back. I urgently need the money to pay my school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
derogatory remarks for something which I had no control over, these need to be removed from my credit report and satisfied due to a worldwide pandemic, my credit score was XXXX before the covid disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have asked SPS for a forbearance and they have refused to comply with Federal Forbearance Law. XXXX extended the State of National Emergency until XX/XX/XXXX, and all homeowners have the right to a forbearance until the end of the state of national emergency. I have the right to a forbearance regardless of the delinquency of my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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:
I submitted a dispute in XXXX XXXX, 2021 and never was given any information. On my credit report Experian and XXXX are reporting that XXXX 's XXXX was over 30 days late multiple times. I have my transaction history to prove I wasn't late.

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 2022-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I am filing a complaint against NET CREDIT as I have tried on numerous occasions to reach someone with authority at this company about the issue at XXXX I had my account set up for automatic withdrawals for payments on my loan, so for a reason I contacted them to change my date, the representative was rude & unpleasant and gave me a hard time, and would not change my date..From that day forward I was not aware that he removed my banking information from my account without my consent or authorization..He had mentioned that I can do the payments my self if he removes my automatic payment..I advised I did not want to do that..Until further later that my account went past due had I realized he removed my banking informationSince then Ive tried to log on & make my payments, in fact it doesnt let me add my account back on nor even make a payment..Ive contacted this company on several occasions to help me with this issue & to no avail they tell me a manager will call me back within 48hrs no one calls backIve also sent emails which I can supply proof if needed again no response, in the meantime they want to report to the credit bureau that Im not paying when in fact I have tried..I need help with this matter as this is jeopardizing my credit..Please also advise them to pull the tape of my phone call with the gentleman, which they will be able to listen to that I never never gave him consent or authorized him to remove my banking information, which is what has caused this whole messThank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: LA

Complaint narrative:
Myself XXXX XXXX submittiing this complaint without any influence from no third party or agency at all. The attached documents with my I.D . contains my full complaint and requests

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 2022-01-13 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: OK

Complaint narrative:
According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they have posted on my credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the inaccurate accounts. Plan on seeking legal counsel for your actions against me. 

Your failure to positively verify these accounts has hurt my ability to obtain credit, defamed my character, and caused damages. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. According to the Fair Credit Reporting Act, 611 ( b ) [ USC 15 1681i ( b ) ], I am entitled to enter a consumer statement in my credit report so that the information is complete and the credit reporting process is fair and equitable to me. I would like the following statement to be made a part of my permanent record so that potential future creditors will be aware of certain circumstances that caused negative credit information.

Litigation is quite expensive and should be avoided at all costs. Should it be necessary, I would appear in propria persona [ pro per ] and file a court case in forma pauperis for free with the guidance from outside legal counsel on retainer ; however, my belief is you and your organization do not intend to pursue this matter as you have no valid legal claim or merits. The cost-to-benefit ratio is relatively low when suing indigents ; therefore, this is a good-faith attempt to resolve this matter before litigation is necessary. I am willing to resolve this matter privately and civilly. Thank you for your time and attention to this matter. 
This is my third attempt to resolve 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 non-monetary relief
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: OK

Complaint narrative:
According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they have posted on my credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the inaccurate accounts. Plan on seeking legal counsel for your actions against me. 

Your failure to positively verify these accounts has hurt my ability to obtain credit, defamed my character, and caused damages. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. According to the Fair Credit Reporting Act, 611 ( b ) [ USC 15 1681i ( b ) ], I am entitled to enter a consumer statement in my credit report so that the information is complete and the credit reporting process is fair and equitable to me. I would like the following statement to be made a part of my permanent record so that potential future creditors will be aware of certain circumstances that caused negative credit information. 
Litigation is quite expensive and should be avoided at all costs. Should it be necessary, I would appear in propria persona [ pro per ] and file a court case in forma pauperis for free with the guidance from outside legal counsel on retainer ; however, my belief is you and your organization do not intend to pursue this matter as you have no valid legal claim or merits. The cost-to-benefit ratio is relatively low when XXXX XXXX ; therefore, this is a good-faith attempt to resolve this matter before litigation is necessary. I am willing to resolve this matter privately and civilly. Thank you for your time and attention to this matter. 
This is my third attempt to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE FILED A DISPUTE IN TO REGARDS OF THE INCORRECT ITEMS ON MY CREDIT REPORT. IT BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEVIED 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
Consumer complaint received 2022-01-13 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2022-01-13 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: NY

Complaint narrative:
I have been trying for months Experian has ignored my request for physical validation as well as ignored accounts that I have identified as Identity theft and this organization refuses to remove them. In addition to this is my second attempt for this company to send me the information I have requested for these accounts that are not validated and they should be removed immediately. They have not conducted any investigations as well have used XXXX XXXX to validate these accounts when I already informed them via writing that that was not an acceptable form of determining these alleged accounts to be validated. They have responded with speculative assessments contrary to my clear written instructions to justify not responding to my issues raised in my complaints. Please remove all unauthorized, fraudulent accounts promptly pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent farther legal action. It is a fact with the included CFPB report Published XX/XX/2021 I have Proof that I previously submitted both an identity theft report that Experian responded was a third party which was not as well Experian has made it very difficult to removed items that are both unauthorized and are affecting my ability to obtain any credit. This organization has caused me many troubles I have been disputing these accounts for the past 6 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 non-monetary relief
Consumer complaint received 2022-01-13 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: Io, Inc.
State: VA

Complaint narrative:
on XX/XX/2022 I called XXXX concerned about an inaccurate account that I had already gotten removed. Account number # # # # # # # # # # # # # XXXX from receivable managements systems was reported on my consumer report on XX/XX/2022 after I had gotten it removed in XX/XX/2022 ; I did not receive any notification of the entry of this negative collection, any validation of debt, verification of debt from XXXX nor Receivable management Systems. While I was on the phone with an XXXX XXXX, I informed her that I already called Receivable Man Sys and requested verification of debt and Validation of debt I did NOT receive any information for either. I then asked her what information did XXXX obtain to verify the debt and the Rep aid she did not see anything there, even though the account has been disputed before and XXXX allegedly completed an investigation but does not have any documentation regarding the debt. XXXX and receivable management systems violated my consumer RIGHTS and I want the accounts removed to fine both parties {$1000.00} USD each for violations of my consumer rights, failing to protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
Insufficient fund fee Every XXXX escrow account is updated for overage or shortage. Last year it was an overage so a check was sent to me but, this year there was a small shortage. 

After realizing my escrow account was short I went online to add funds but less than hour later discovered that the escrow payment needed to be placed in monthly mortgage payment. After speaking with a mortgage payment representative to make my monthly mortgage payment right I received a letter later that month saying I will be charge an insufficient fund fee. After making several call to mortgage bank to get an idea of what the fee was for I also called my bank, which is associated with the mortgage bank. I Made a XXXX way call, a checking account bank representative and, a mortgage bank representative. During the call my banking account representative told the escrow account representative that the checking account number that was listed for my additional payments was my bank member number not my checking account number. After several calls to supervision and writing an email to remove the fraudulent charge from my mortgage account I have not received any letter or removal of the insufficient fund fee. The error of putting my member number on the escrow payment account was not input by me online plus how can there be an insufficient fund fee when the account number does not exist? At no time was my escrow account short of paying any due payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
This company GUARANTEED RATE has continued to harass me. Calling me over and over after I have advised them to stop. GUARANTEED RATE have continued to harass me by sending mail to my Post office box. Now GUARANTEED RATE is sending mail to my Home address that I have never provided to them. Nor have I ever had any prior correspondence with GUARANTEED RATE with my home address. This is my 5th complaint to the Consumer Financial Protection Bureau regarding harassment within one year with GUARANTEED RATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX 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