vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX We authorized online payment of {$7100.00} to XXXX at XXXX via Chase Bank. Authorization and copy of check attached. Chase mailed the check, but it ended up at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. They cashed the check. Copy of endorsements by XXXX and XXXX Bank attached. 

XX/XX/XXXX XXXX  notified us that payment was overdue. We printed out the check and took it to the Chase branch at XXXX where the banker, XXXX, took copies of all documents, scanned them into the file, called the company and made a report in our presence. Chase credited our account with {$7100.00}, Sent claim form on XX/XX/XXXX. Wife called Chase on XX/XX/XXXX, got transferred between Checking and Online Banking FOUR times and never got answers. Representatives were unhelpful and not fluent in English. We were instructed to visit a branch for help, which we had already done. We completed the form, which included a statement from XXXX XXXX accountant that the check had not been received. 

XX/XX/XXXX We received a letter from Chase stating they would remove the funds from our account on or after XX/XX/XXXX since the original transaction HAD BEEN PROCESSED ACCORDING TO OUR INSTRUCTIONS. Absolutely untrue. 

XXXXWife mailed XXXX and retrieved the lost funds in 4 hours. One XXXX lady with an XXXX  could do in 4 hours what Chase couldn't do in 2 weeks. Inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have negative remarks on my report that I do not recognize and are unverified. I contacted the bureaus and creditor to validate and I have not received any notification or validation. I was informed that they would investigate this within 30 days. 

Please assist with me with this matter. 

XXXX XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Account Name : XXXX I don't recognize this account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX don't recognize this inquiry Creditor Name : XXXX XXXX XX/XX/XXXX XXXX : I don't recognize this inquiry XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX XXXX  Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry EQUIFAX CREDIT BUREAU Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX. 
Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have negative remarks on my report that I do not recognize and are unverified. I contacted the bureaus and creditor to validate and I have not received any notification or validation. I was informed that they would investigate this within 30 days. 

Please assist with me with this matter. 

XXXX XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Account Name : XXXX I don't recognize this account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX don't recognize this inquiry Creditor Name : XXXX XXXX XX/XX/XXXX Reason : I don't recognize this inquiry EXPERIAN CREDIT BUREAU Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry XXXX XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX. 
Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry

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 2022-08-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit
State: TN

Complaint narrative:
4 Remaining Negative Accounts. 

Account Name : VW CREDIT Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Continental Finance Company, LLC
State: IA

Complaint narrative:
I was pre-approved through XXXX XXXX ... I applied this morning on XX/XX/XXXX ... it says I was denied due to having a duplicate application .... I called and a representative said I applied XX/XX/XXXX... It says you can't apply within 30 days ... 30 days from XX/XX/XXXX would have been XX/XX/XXXX ... Today is the XXXX... She told me they go by a different calendar so I would have to wait till XX/XX/XXXX .... That is 60 days from XX/XX/XXXX. She was so rude and wouldn't transfer me to a supervisor!! She said she had no way to!! They kept telling me to call back later due to system updates!! This company has been blowing up my email with pre-approvals and offers!! And then they can't even let me speak to a representative that will help 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 2022-08-09 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX Account # XXXX 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 my written instructions

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 2022-08-09 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXXXXXX Account # XXXX 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I currently have an account with mr. Cooper. It is under my brother 's name XXXX XXXX, i am on the title of the home. I applied for the homeowners assistance fund since i lost my job aince XXXX and i finally got approved for mortgage and bill assistance. They still have yet to disburse payments and i have called and emailed for some answers and no one will respond to me. They even asked me to upload new bills because the old bills i had uploaded for assistance were since XXXX. They awarded me the amounts from XXXX, not XXXX since XXXX 's bills were higher. My utilities are beinf cut off soon. Can someone please help me? My app number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
AS OF XXXX XXXX has failed to update my fraudulent account that are being reported on the consumer profile. 

FTC and the Police report along with the deletion letter from the company XXXX is evident and attached as well as XXXX being deleted permantely from my consumer profile I have reported them as well for their deceptive reporting and clear violation of the 15USC 1692 ( g ). 

Their inaccurate reporting concerning the Navient account are not only abusive but clearly fabricated the loans are in deferment not closed and 90 days late. 

XXXX you are violating federal law and I do intend to receive cure for the injuries that I have thus sustained. See attached Invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
AS OF XXXX XXXX has failed to update my fraudulent account that are being reported on the consumer profile. 

FTC and the Police report along with the deletion letter from the company XXXX is evident and attached as well as Affirm being deleted permantely from my consumer profile I have reported them as well for their deceptive reporting and clear violation of the 15USC 1692 ( g ). 

Their inaccurate reporting concerning the XXXX account are not only abusive but clearly fabricated the loans are in deferment not closed and 90 days late. 

XXXX you are violating federal law and I do intend to receive cure for the injuries that I have thus sustained. See attached Invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Refund from taxes, back pay child tax credit, and back pay stimulus funds was deposited in my cash app account, where as my card was stolen, my phone number and email address was unlinked from the account, even my PIN number was changed without my permission. I tried requesting a new card and access to my account, cash app denying me access and wont explain whats going on due to security reasons. Im not sure if its because of the amount that was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Wolf River Development Company
State: CO

Complaint narrative:
Was given 2 different quotes on loan. They ended up giving a more expensive payment plan.. I asked if I can think and would call them back each time was different. When I called to ask about I was told a completely different payment option they said I should have taken the first option I was quoted. Everytime I called I've gotten different people and have no idea what is going on. I 3lectronicly signed during email but 8 signed into account to see the contract was not what I thought loan and payments were

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I have been contacted repeatedly by Tower Loan of XXXX XXXX Illinois from various phone numbers attempting to collect a debt for a different XXXX XXXX. I have told them repeatedly that they have the wrong person and need to stop contacting me. The latest attempts to contact me were impersonating an insurance claims adjuster wanting to talk to me about a claim. The insurance claim impersonator was calling from XXXX which seems to be a Texas phone number and the caller said their name was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I was affected by the pandemic like all Americans. I fell behind on my mortgage payments due to an illness wherein I had to take care of my wife and the increased expenses from the medicine and health aids that were necessary. I then fell behind on my mortgage. I had a modification in XXXX and phone calls placed to the servicer on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting the prior modification. While the documents were promised on all three phone calls, the documents have not been received as of the date of this complaint. On the XX/XX/XXXX phone discussion a forbearance plan was inquired about however I was told it was no longer available. I have been receiving collection calls the entire time by my servicer. On XX/XX/XXXX I contacted my servicer and explained that my church had helped us with {$700.00}. The servicer told me to send it in and I did XX/XX/XXXX. They accepted the payment. They then called with a repayment plan ( a 6 month term ) on XX/XX/XXXX. This was not affordable to me as we are both retired and live on a fixed income. I then speak to the servicer today ( XXXX ID XXXX ) XX/XX/XXXX and was told that I could pay {$1200.00} and stall the foreclosure. I then contacted everyone I could think of to raise the money. I also knew my next check does not come until XX/XX/XXXX so I called back to try to work something out. I was told by XXXX ID XXXX that the earlier information was not correct, that I had to reinstate in full. I asked if I could have the repayment offer again only over 12 months so I could afford it. No, I was told that because the loan had been referred to an attorney ( I have not been served ) that there is no way to get back on track without a reinstatement. I explained that it is not affordable and since the foreclosure had not been filed, can we please work something out before I get legal fees on top of what I am behind. XXXX advised that there was nothing that could be done and they would move forward with the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery associates at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Funds in the amount of {$440.00} transferred to my external account ending in XXXX on XXXX, the transaction does not currently show in process or in completed transactions, screen shot taken from today, XXXX is attached to this complaint. I've checked with XXXX, external account, the funds are not showing as deposited as of yet, appears to be a delay as is evident in fact as transaction does not show in pending or completed. I've spoken with XXXX, they do not see funds in pending status on their side, advised me to contact the sender, which is Bluebird, appears to be an error on their end

Company response to consumer: Closed with explanation