vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
i need to unfreeze my credit file to apply for a credit card. when ii tried to do this before, the CFPB site was down and I was told on the phone that CFPB would file a complaint for me.

This didn't work an I still need my credit file unlocked b experian.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello : On XX/XX/2023 I attempted to pull my annual credit report, and had a problem with Equifax only. Equifax only sent me a message of technical issues. So I looked into the matter and turns out that Equifax has a Data Breach settlement going on, and they inform me that my information was compromised. On XX/XX/2023 I attempted to pull my credit report with Equifax and could not pull my credit report again. This is a huge problem. I will provide proof that my Data was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

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 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: GUARANTEED RATE INC.
State: OH

Complaint narrative:
The mortgage company guaranteed rate is making it difficult to pay my mortgage. I want to pay a large sum of money on my mortgage and recast the mortgage. Tthe compay is not offering payment options that enable me to do this. When I called the company told me that I could not recast the mortgage until it was " sold '', which will take 90 days forcing me to make 3 months at the higher payment. This is NOT what they told me when I purchased the mortgage. They will also not provide a way to pay {$200000.00} dollars that feels secure. They sent wire instruction in a random email with no logo on the message and no way to verify the sender. 

The primary job of a mortgage company is to take payments. A mortgage company needs to provide customers and easy way to make payments and pay off their loans. Interest rates are high and adding barriers to payment costs me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2023-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
Harris & Harris claims they do not have and can not provide any contact information for the original debtor they are attempting to collect for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recognize the negative accounts on my credit

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 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ratchford Law Group, P.C.
State: MA

Complaint narrative:
On XX/XX/2019 I began noticing fraudulent activity on my XXXX XXXX account ending in XXXX. The fraudulent activity was from XXXX XXXX  ending in XXXX, that had been added to my account without my authorization or consent. I called and tried to resolve the issue but they would not take the fraudulent purchases off my account. 

Recently, I received a court summons by a debt collection agency called " Ratchford Law Group, '' for the fraudulent debt that was caused by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have been reaching out to these companys regareting me being a victim of Identity theft and they have not helped me. I have wrote letters regarding these accounts to get removed off my credit report. I have not been able to get any response or help.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You are reporting incorrect payment information for account XXXX XXXX XXXX XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I also sent dispute letters 5 months ago. The letters are dated, and time stamped and will also be attached for your reference. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You are reporting incorrect payment information for account XXXX XXXX XXXX XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I also sent dispute letters 5 months ago. The letters are dated, and time stamped and will also be attached for your reference. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.

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 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for a Navy Federal Credit card today XX/XX/2023 and got denied, along with other applications I've applied for. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is security FRAUD. You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Is a Capital One credit card that I have been trying to pay for the last 5 years and each time they increase the interest rate which is extremely high. I tried to work with the company and they told me they can't do anything about it. It has been so many years and I can't oay off that credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I recently discovered that my identity has been stolen, as evidenced by a fraudulent XXXX  XXXX XXXX checking account that was opened in my name. This revelation came to light when my application for a bank account was denied earlier this year. Upon reviewing my Chexsystems disclosure report, I was alarmed to find a remark indicating suspicious activity associated with a XXXX  XXXX XXXX account that I never authorized or opened. I am deeply frustrated and disheartened by the unfairness of this situation. It is unjust that I, as the victim of identity theft, am now burdened with the consequences of someone else 's criminal actions. This fraudulent activity has not only infringed upon my financial well-being, but it has also impeded my ability to open a legitimate bank account. I am reaching out in the hopes of finding a resolution to this matter. I kindly request that the fraudulent XXXX  XXXX XXXX account be immediately removed from my Chexsystems report, as it is inaccurately tarnishing my reputation and preventing me from accessing essential banking services. I appreciate your attention to this pressing issue and trust that you will take the necessary steps to rectify this situation promptly.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I am writing to complain to XXXX XXXX XXXX XXXX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I went in to make a bulk t-shirt order at The XXXX XXXX for my clothing business. I have worked with them in the past 3 times and had no issues until my forth time. They charged me {$400.00} for my order and we agreed on a date when the shirts will be done for me. Couple days past and The XXXX XXXX will give me the run around of when they'll have the shirts done. 
By XX/XX/XXXX I asked The XXXX XXXX for my money back if they were not going to do my order. 
I didn't get a response back. I texted them again that same day and got no response. So I filed a claim with my bank. My bank did give me my funds back that same day. Today XX/XX/ my bank took the {$400.00} and credited it back to the merchant. I called Chase which is my bank and they told me the reason why they credited the money back to the merchant was because the merchant provided a receipt stating that once I pay I agree to my order being picked up. At The XXXX XXXX, that was never brought up and it was a requirement for me to pay the full amount of money in order to even get my shirts done. I have the text messages of me texting the owner of XXXX XXXX XXXX which his name is XXXX. The phone number Im texting is also linked the business if you search it up on XXXX. I tried my hardest to getting in contact with the merchant and they just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XXXX XXXX XXXX I made a payment of {$700.00} for a booking on XXXX for the dates of XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. During the stay I had a couple issues with the lease hoder and the company themselves. For instanse, the neighbor next door made the stay a lot worse on the XXXX during the stay, when a party was taking it's lead to bigger factors involving illegal activity. XXXX XXXX XXXX  ( XXXX ) arrived to the location of the unit and ceased the event, but XXXX it resumed again with heavy traffic and loud noice and of course i reached back out to the host and I made another call to reported to XXXX. Every time I reached out to the host. I was ignored, felt like. Even though I was told if I needed anything they would be there to assist every way, however, the host was non responsive the entire weekend. XXXX  evening, the host decided to respond to let me know that they will report the disturbance to the Building Manager. I explan to the host due to the disturbance, it deffiently made the stay change from leisure to restless XXXX and XXXX Even with the request for clean towels or to come clean the room, it was returned as if I was a bother to them. When I reached out to XXXX and informed them about the stay and that I wanted my money back at least, because for one the trip was a worse experience, especially with the lack of communication from the host and company alone. I explained to the XXXX  that it wasn't right and that this isn't fair that I was ignored and that i didnt have any assistance with the concerning issues. I contacted Chime on XXXX XXXX  to file the dispute. On XXXX XXXX, Chime requested for me to upload my supporting documents for the dispute. On XXXX XXXX Chime emails me and states that they have completed the investigation and that the charge was not an error. ( not exactly what I disputed as ). So I requested for Chime to send me the documents used inthe determination for the final outcome on XX/XX/XXXX. Without any more notice, Chime declines again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, filed a FTC report due to unauthorized inquiries on my credit report. You are in violation of the FCRA for failure to remove inaccurate information from a consumer 's credit report. Furthermore, this is also negligence, and I would be able to argue this in court. I am again demanding that the following information be removed from my credit report within 30 days. Please see the attached FTC report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
I had a previous complaint about the amount of my taxes and insurance. That being said- I allege that this company received funds from XXXX XXXX for my XXXX forbearance loan repayment. HAF paid in excess of the amount owed for my taxes and insurance, because the lender was charging almost {$200.00} additional dollars per month. There was a significant overage paid by XXXX XXXXXXXX for my escrow account. 
The person most recently spoken to at XXXX XXXX explains things as lets imagine you actually owed what you were paying in escrow. Then the numbers would be correct. However, we do not pay in what could have been. In reality my taxes and insurance were collected in far excess of what I owed. It appears a large amount of attorney fees and other fees were charged which not one person mentioned in any conversation. 
The accounting of my taxes and escrow from XX/XX/XXXX is incorrect. There should be a surplus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear Regulator, I do not want to renew my CD at maturity. This preference can be mentioned at CD opening account or before maturity. All other banks offer this feature and capability to set renewal preference. 

I have open two CD accounts in 1st of XX/XX/2023, it is keep renewing automatically without my preference. Even customer representative can not change renewal preference, I have to call them one day before maturity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation