vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: NY

Complaint narrative:
I applied for pre approval of a XXXX XXXX XXXXredit card issued by XXXX Bank and XXXXXXXX XXXX XXXX XXXX. Before I applied, I was assured by a XXXX XXXX representative that this would be a soft inquiry. 

Although I was approved, I declined the offer but was immediately informed by all XXXX credit bureaus that a new hard inquiry was on my report. 

I called XXXX XXXX  and they agreed to notify all XXXX bureaus to change the hard inquiry to soft. XXXX and XXXX complied immediately but Experian has not. 

Attached is the letter XXXX XXXX sent me on XX/XX/2023 informing me that they had taken this action.

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 2023-06-12 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:
I received my credit report on XX/XX/2023 and noticed there were hard inquiries that don't have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times ; they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have any purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX  - Account # XXXX Paragon XXXX XXXX XXXX Account XXXX XXXX on report 2x has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account with a written instruction.

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 2023-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I believe I almost paid off the principal on the mortgage. I owe the bank the deferred money from the Covid crisis. it was around {$4000.00} and it's now XXXX XXXX. The bank refused partial payment and asked for full payment of the deferred amount. The bank wanted to discuss this issue over the phone and refused to put anything in writing, while on the phone they talked about " Mortgage Modification '' and tried to fill out an application by asking personal questions, but I refused to apply for a mortgage modification. The bank insists there is nothing they can do and I have to pay the full amount. 
I filed a similar complaint on XXXX, XXXX and the CFPB computer closed the complaint and never contacted me.

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 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-06-12 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: FL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/2023 I received an Email stating that a hard inquiry hit on my credit report and a chase email saying my application for a chase credit card is being reviewed. I knew then that someone has tried opening up a credit card with chase using my information. I do not know how they got it but they did. I called Chase on XX/XX/2023 to confirm that an application has been made and they said yes and I told them I needed that application closed and the hard inquiry out of my credit report. The lady on the phone was sympathetic and did as I asked. She said ill have an email in 5-7 days regarding the fraudulent application. I felt that i needed to report this here as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: GA

Complaint narrative:
Between XXXX XXXX XXXX and Trans Union credit reporting company, each company is blaming each other for the reason why my account is not reporting accurately. The funny thing is is that Trans Union claims XXXX  hasnt reported to them since XX/XX/XXXX? My car note was originally 90 days past due from losing a job and having to catch up on all of my bills come mid XX/XX/2023 I have caught up my car note completely, and have been on time since. Trans Union is showing that I am still 100 to 90 days late on my car note which is not true. And for some odd reason Trans Union updates to show that Im paid up and caught up then it seems like a couple days later it goes back to being 90 days late and deducts points off my credit first of all this late payment reflecting on my account, showing that I am late currently is affecting me from being able to move into a home. I am going to face being homeless, because neither company can get their act together and correct the problem. Trans Union is the only one who is not reporting accurately.. here I am almost mid XXXX and they still can not correct my credit. Somebody is dropping the ball. I have disputed this account more than three times and each time it comes back stating that the information is correct and accurate, but it is not correct and accurate because my account is still showing that I am past due when I am not past due. At this point in time I have been current with my car note since XX/XX/2023 I am sick and tired of dealing with this. It has been XXXX months at this point. XXXX to XXXX XXXX where XXXX going to get a lawyer involved and sue, both XXXX XXXX XXXX and Trans Union for their negligence.

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 2023-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC
State: TX

Complaint narrative:
Equity Prime sold our mortgage to XXXX XXXX with a negative escrow amount that is erroneous and illegal in the state of Texas. 

We are 100 % XXXX property tax exempt from the day our mortgage papers were signed. 

I have called EPM and can get no where as they do not have a single person i can call that is in the United States. 

They admit they charged us over XXXX in taxes and sold the loan with it. Due to their issues we are being charged now XXXX by the new mortgage servicer and being told we have to get the money and or resolution ourselves. We can not do anything and we have tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: NY

Complaint narrative:
In XXXX  I was a victim of identity theft and my information was used to open numerous financial accounts under my name, one of those companies being XXXX. On XX/XX/XXXX a credit card was fraudulently opened under my name. I found out about the issue on XX/XX/XXXX. It took me awhile to understand the credit reporting industry and after learning what was needed to be done I filed a report with the federal trade commission and contacted every company where an account was opened under my name and every single one of them took the appropriate steps to remove the inaccurate information from my credit report except XXXX. Ive called them more than 10 times Ive mailed in letter more than 5 times and every time they refuse to remove the information without giving me a reason to why they could not.

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 2023-06-12 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: NY

Complaint narrative:
In XXXX I was a victim of identity theft and my information was used to open numerous financial accounts under my name, one of those companies being XXXX. On XX/XX/XXXX a credit card was fraudulently opened under my name. I found out about the issue on XX/XX/XXXX. It took me awhile to understand the credit reporting industry and after learning what was needed to be done I filed a report with the federal trade commission and contacted every company where an account was opened under my name and every single one of them took the appropriate steps to remove the inaccurate information from my credit report except XXXX. Ive called them more than 10 times Ive mailed in letter more than 5 times and every time they refuse to remove the information without giving me a reason to why they could not.

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 2023-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear CFPB, I am requesting my case number XXXX, be reopened and reviewed. 

As I stated in my original complaint, I received a 1099-C from Fifth Third stating the amount of {$60000.00} of debt was XXXX XX/XX/XXXX. This amount has never been applied to my mortgage loan, yet it has been reported to the Internal Revenue Service. 

See the attached 1099-C, mortgage statement dated XX/XX/XXXX and, mortgage statement dated XX/XX/XXXX. After reviewing these documents, you will see the {$60000.00} was never applied to my account. Note, a payment of {$25000.00} from the Michigan Homeowner Assistance Fund was accepted. 

This week, I received the attached letter from XXXX XXXX, showing my mortgage has been sent to collections. Fifth Third has closed my mortgage assistance modification application stating I have not submitted the required documentation. This is not true. In fact, my HUD Certified Housing Counselor, XXXX XXXX, spoke with a fifth Third representative, XXXX, on XX/XX/XXXX. XXXX was told all requested documents were received and now the application was under review. 

Also in XX/XX/XXXX, Fifth Third representative, XXXX, told my HUD Certified House Counselor, XXXX XXXX, that she did not know why the {$60.00}, XXXX of debt cancellation was no it applied to my account. XXXX said she will have her supervisor call XXXX with information on this. To date, XXXX has never received a call. 

If the cancelled amount of {$60000.00} is applied to my account this month, my mortgage will be brought current. 

My home is all handicapped accessible set up to accommodate my XXXX XXXX XXXX children and I can not lose it. I have the income to make the monthly mortgage payments moving forward. 

Your assistance in this matter is very much needed. Thank you for your consideration. Thank you., XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
These loans are 20 years old. Forster and Garbus provided the attached document when I put a complaint through last year regarding the loans I have. The document states they will not sue, but they have since taken a garnishment. This initial lawsuit back in XXXX was past the statue of limitations so that seems to be shady tactics also. In XXXX they called my in-laws multiple times ( XXXX XXXX ) stating it was an emergency and I needed to reach out to them. The bank we originally received the loan from had a table outside of the financial office at XXXX XXXX. This was a predatory way of making people get private loans. I was the first in my family to go to college, my Dad came with me to do my financial aid and was given an ultimatum by the bank at the college. He was told it was my only way of being able to go to college was to get these loans. All aspects of these loans from start to now is shady and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: NJ

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX {$1200.00} Account name : XXXX XXXX XXXX # XXXX {$1100.00} has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Today, on XX/XX/XXXX, I had the unfortunate experience of encountering an American Express credit application processing agent named XXXX, whose behavior was not only judgmental, rude, and discriminatory but also caused an extremely unpleasant and infuriating interaction. 

As I embarked on the credit card application process, I expected a respectful and professional experience. However, XXXX shattered those expectations with his dismissive attitude and offensive remarks. He not only questioned my income in an intrusive and inappropriate manner but also exhibited a complete lack of empathy and understanding. XXXX XXXX condescending tone, skepticism, and unwarranted pushback regarding my income left me profoundly dissatisfied and infuriated with the entire interaction. 

It is utterly unacceptable for a representative of a reputable institution like American Express to treat customers in such a disdainful and discriminatory manner. Financial institutions have a responsibility to ensure that their employees are well-trained and equipped to provide exceptional customer service, maintaining an inclusive and respectful environment for all. 

This distressing experience with XXXX had a profound impact on my emotional well-being and overall outlook. The judgmental and dismissive attitude he displayed, particularly when questioning my income, left me feeling belittled, frustrated, and deeply hurt. The encounter not only eroded my trust in American Express as a reputable institution but also left me questioning my own worth and validity as a customer. The blatant discrimination I encountered during what should have been a straightforward credit card application process shook my confidence and left me with a lingering sense of injustice. This encounter serves as a stark reminder of the need for empathy, understanding, and respect in every customer interaction, and the negative effects of such mistreatment should never be underestimated. This experience has left me profoundly disappointed and frustrated with American Express. I implore the company to reflect on its values, reevaluate its employee training programs, and rebuild trust with its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am being charged an interest rate for a credit card that exceeds the legal limit set by my state, on my Kohls store credit card. 

My interest rate exceeds XXXX XXXX  %, the limit in NJ. I am being charged on 30.74 % on purchases. 

The criminal usury limitations ( N.J.S.A. 2C:21-19 ). In New Jersey, it is considered criminal usury if a lender charges an interest rate of 30 % or more to an individual, or 50 % or more on an entity ( a corporation, limited liability corporation, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made the last payment to Bread Financial on XX/XX/2023 for {$45.00}. I was told that the account was closed and in good standing. On XX/XX/2023 I received a letter from Bread confirming the aforementioned. 

On Friday XX/XX/XXXX, I received a notice from all three credit bureaus stating that the account is still open, there are late fees and as a result, they reported this incorrect and fraudulent information causing my credit score to plummet over XXXX points. The company has been terrible to work with and have not corrected anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I submitted a Billing dispute to the legal Council at Consumer Portfolio Services on XX/XX/XXXX and didnt get a Proper response i requested until today even when i speaking to them on the phone the multiple times they were saying these stressful things ive always INTENDED to pay for debt i ACTUALLY OWE but they just said this WITHOUT SENDING the documents i had requested i just got threats of getting sent to loss prevention i had to look up what that even meant i THOUGHT it was to help me but ive learned its not I wanted to fix this issues but all they have done is give A LATE PAYMENT on my CREDIT REPORT and send me MORE Statements which THEY WERE NOT SUPPOSED TO DO until this was cleared up or are they immune to FEDERAL LAW? Im under the understand that ALL people are created equal and are subject to FEDERAL laws statutes and codes which they did NOT follow and now i have this on my credit report which is further ruining my life this was NOT supposd to happen I was suppose to get the verification i had requested but that never happened!!!!!

Company response to consumer: Closed with explanation