vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I was requesting a reimbursement for payments made during forbearance on my direct loans. I consolidated and made the request through XXXX, my loan were then teansfered back to mohela, which is where they originated and payments were made. On XX/XX/XXXX I called mohela and requested reimbursement, they informed me I was eligible and put the request in. I followed up half a dozen times. They kept telling me that it was sent to the dept. of treasury and I could expect my refund. I recieved forgiveness is XX/XX/XXXX so I called again to make sure that my forgiveness wasn't going to change my refund and I was informed it wouldn't. I called again this past Tuesday XX/XX/XXXX and I spoke to someone who told me that for some reason there was a stop on my request. She said that she could see I was eligible to have XXXX payments refunded and she called a supervisor. She concluded the conversation by stating that she was going to send the refund back through with priority after having the supervisor approve it. She told me to call back in XXXX week. I called back on XX/XX/XXXX and the person I spoke to said that I wasn't eligible for refund because my payments were made before consolidation. I have been getting different stories and no answers for a long time. It was made clear to me many times that I would receive a refund. My loans were direct loans at the time payment was made and it was made to mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Told me I information doesn't match what they have on record

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I have a XXXX XXXX XXXXXXXX and I have been paying on it for over 4 years now. Recently, I feel Flagship Credit Acceptance has not only called me daily to pay, they have also added late fees and have said those will not be waived and now are threatening me repossess my vehicle with little to no regard on the overall worldwide financial situation that everyone is through. I have another car loan and they are the complete opposite, as they have lowered my payment for 6 months, and have wave all late fees. Flagship customer service does not care if you have financial hardship, they do not waive fees and they do not care if right now many american 's are trying to do what ever they can to stay afloat due to the overall economy. I have paid, but as soon as I pay them, because I am behind they have continued to violate my right by harassing me daily with phone calls and threats to repossess my vehicle.

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 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-15 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: NV

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) 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 2023-02-15 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: NV

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All 3 credit bureaus are reporting an account with XXXX that does not belong to me. I never have had nor do I currently have an account with XXXX. 
Credit bureau account numbers XXXX. 

NOT MY BANKRUPTCY - UNVERIFIED ACCOUNT - DELETE IMMEDIATELY NOT MY ACCOUNT. Please remove from all 3 bureaus. I have sent this latter attached to them last month, asking for them to remove this charge from out account that is not mine.

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 2023-02-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-02-15 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Recovery Services, Inc.
State: CT

Complaint narrative:
I called the original creditor and was told they don't have a record of the debt. I contacted XXXX and XXXX and ask them to remove it based on the information I was told that there was no record of this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Convergent Resources, Inc.
State: WA

Complaint narrative:
Closed XXXX  account in XXXX. Paid last bill that was posted ( supposedly my last due ) got turned over to creditor Convergence Outsourcing- received no notices via mail, email or phone. Found account on credit report which I called and paid by settlement in XXXX XXXX with the caveat that if I did so it wont show up on my credit ( compained about above ) was told it wouldn't. Now its showing up on my credit as if I had just paid it in XXXX of XXXX. I want it completely removed from my credit report as I have disputed it with XXXX and XXXX with no change made.

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 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Dear Sir/Madam, I am writing this letter to register a complaint against Chase on behalf of myself for the fraudulent charges that were made on my Chase account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have been a victim of identity theft at the hands of Mr. XXXX, and I am currently attempting to correct this issue. 

I was in the hospital in Maine when Mr. XXXX used my Chase account to make the fraudulent charges. Enclosed with this letter are copies of my My Chart records, which clearly show my medical treatment and hospital stays in Maine during the time period my Chase account was used without my knowledge or permission. I also have attached a copy of the XX/XX/XXXX XXXX XXXX Police Department XXXX Report, which states that the charges made on my account were indeed fraudulently made. 

I request that Chase immediately remove the charges that were made on XX/XX/XXXX for {$3400.00} and on XX/XX/XXXX for {$7500.00}. Furthermore, I ask that Chase correct any information that was provided to credit reporting agencies based on these charges. I hope that this matter will be resolved quickly and that I will not have to take any legal action. 

Should you have any questions or require any further information, please do not hesitate to contact me at the address mentioned above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Over the summer of XXXX Bank of America had a promotion if you 1 ). opened an Advantage Savings Account, 2 ). Deposited {$1000.00} or more, and 3 ). Maintained a daily balance of {$1000.00} or more in that account that {$100.00} would be deposited into the account. 
My account was opened on XX/XX/XXXX. The promotional documents stated funds would be deposited by XX/XX/XXXX. As of XX/XX/XXXX the funds have not been deposited. When I contacted Bank of America I was told in would be deposited in two weeks, to wait, and to call back. 

I have attached files that I qualified for the offer, made the deposit within the time frame specified and held the funds for the required time period.

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 monetary relief
Consumer complaint received 2023-02-15 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Security National Financial Corp
State: TN

Complaint narrative:
The following complaint is being written because I feel like there has been some unfair practices exercised by my mortgage company which is Security National Mortgage and the appraiser hired by them to conduct an appraisal on my home for the purpose of removing my Primary Mortgage Insurance ( PMI ). Initially after four months of requesting an appraisal on my house it was only granted after I filed a complaint with the Attorney General for the state of Tennessee. I was charged almost a {$1000.00} dollar to pay for an appraisal that was chosen by my mortgage company. I was informed by my mortgage company that my PMI could only be dropped, if my LTV was 75.00 % because my loan wasn't more than five years old, although in my closing documents it states that my LTV has to be 80 %. The appraisal was conducted on XXXXXXXX XXXX XXXX and on XXXXXXXX XXXX XXXX I was notified by Security National Mortgage that I did not meet the criteria because my LTV was only 75.70 % and not 75.00 % as a result of the appraisal. Upon reviewing the appraisal, I notice a couple of things that didn't add up, such as the square footage of my home and some comps that the appraiser used that were almost a year old. I found this odd because two previous appraiser had the square footage higher and closer to what the XXXX XXXX  Tax Assessor has recorded. I also, notice the appraiser chose two houses outside of my subdivision that had been appraised almost a year ago and less in value when there were two comps within a mile of my house that he could have used. This concerns me greatly, because I had a market analysis done on my home and it appears the appraiser may have under valued my house by more than a {$100000.00}. I have attached a copy of the dispute submitted to Security National Mortgage along with one previous appraisal conducted on the house at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Garrison Investment Group
State: VA

Complaint narrative:
Foundation Finance erroneously opened a loan account as a third party lender for deck repair by XXXX XXXX XXXX XXXX. I was informed XXXX that the loan had been denied. In XXXX, XXXX made me aware that if there was not a verification call with Foundation, that the loan would be voided ( there was no loan to begin with ), and we would have to pay them directly. I do not have a loan, and did not complete the loan process with Foundation. I've asked Foundation to remove this account, and they've refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
The companied lied for the reason for denial. 

My credit score is XXXX, the highest possible, SEE PAGE 2 OF THE ATTACHED. I have a credit established for over 22+ years.

PLEASE RECOSNIDER AND OPEN MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX, XXXX XXXX my husband did a loan modification on our 30yr fixed mortgage with Wells Fargo XXXX Per the terms of the loan modification, we were to pay {$870.00} at a yearly interest rate of 3 % on the new balance on {$140000.00} under the Note and Security Instrument. Like most Americans during this time, a reduction in mortgage was a relief due to our reduced income from layoffs. We paid this balance for 11 years until we refinanced in XXXX for a better interest rate with a new lender. This is when we became aware that our mortgage with Wells Fargo was changed to a 40+ mortgage, with us still needing to pay 40 more years. After learning that we were also victims of Wells Fargo mortgage fraud, I called all the lawyers and agencies associated with suing Wells Fargo. However, I was told that I was too late to get in on any of the lawsuits. I have just become aware of the latest CFPB action taken against Wells Fargo in XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX, and was told they did not have us listed for any kind of compensation due to XXXX mortgage fraud. I hope someone within your bureau will be able to assist us with 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 explanation
Consumer complaint received 2023-02-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. 

I contacted " Experian, XXXX, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, 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
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation