vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was scammed by a group claiming to be XXXX ( electric company ), stating that my payment was late and my electric will be shut off within the hour. If I used the XXXX service, it would be expedient and prevent the disconnection in time. I fell for it. They knew my name, they knew I was a few days late with payment, and they knew the amount of my payment. Having this information made it appear legitimate to me. I set up the XXXX as they instructed, and sent payment. I quickly realized that it was not legitimate once they started to ask further information about my banking institution. Given the instantaneous nature of XXXX, I was not able to reverse the transaction that was put into motion mere seconds earlier. I hung up and called my bank within minutes, and was told that there was nothing they could do to reverse the transaction. They then told me that I could not be reimbursed and I had no recourse, since it was considered an authorization on my part. My financial institution did not even try to say that they will look into it- they immediately told me I was at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Swe Homes LP
State: TX

Complaint narrative:
SO I HAD LOST MY JOB DUE TO XXXX, ALSO MY HUSBAND GOT DIAGNOSED WITH XXXX AND WAS UNABLE TO HELP PROVIDE AND I LET THE MORTGAGE COMPANY ( SWE HOMES ) KNOW OF THE SITUATION AND IF THERE WAS ANY WAY I CAN MAKE SOME TYPE OF PAYMENTS AND THEY REJECTED. I WAS A FIRST TIME HOME BUYER AND I CAN'T BELEIVE THEY WERE NOT WILLING TO HELP ME IN ANYWAY..THEY SENT 1 FORECLORESURE PAPER WELL AT LEAST THAT I RECEIVED AND I DID NOT KNOW ANYTHING. I DID NOT SHOW UP BECAUSE I DID NOT KNOW I HAD TO GO OR WHAT TO DO. I HAD RECENTLY RECEIVED A JOB 2WEEKS PRIOR TO THE JOB AND I HAD TOLD THEM TO GIVE ME TIME. I WAS ONLY 2 MONTHS BEHIND. I GET A CALL 1 WEEK LATER THAT WE HAVE TO VACATE THE PREMISES DUE TO ME LOOSING THE HOME.. PLEASE THESE IS UNFAIR! ..THEY LEFT MY XXXX YOUNGER KIDS UNDER THE XXXX XXXX XXXX AND MY XXXX  HUSBAND AND I WITHOUT A XXXX. IS THERE ANYWAY I CAN GET IT BACK? I WAS SOO CLOSE TO PAYING OFF THE HOUSE AND THEY DID THIS TO US.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on " XX/XX/22 '' I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you are causing 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 non-monetary relief
Consumer complaint received 2022-07-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX accounts, no account numbers shown, 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 2022-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint was the result of their non-compliance of your Bureau to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. These accounts was already been deleted in the other Bureau, yet you are still reporting it on my credit report. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
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 2022-07-13 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: IL

Complaint narrative:
In accordance with Fair Credit Reporting Act everything has to be XXXX percent accurate on my consumer report the credit agecnys and its furnisher stated that the account was properly reinvestagated and verified, XXXX XXXX XXXX XXXX XXXX XXXX, still reporting inaccurate court name, address, and docket number. Clearly has violated my rights -15 U.S.C 1681c ( A ) ( 1 ) Information excluded from consumer report except authorized under subsection ( b ) of this section no consumer reporting agency may make any consumer report containing of the following item of information, case under title 11 ( United States Code ) or Under the Bankruptcy Act, that from the date of entry of the order for relief or the date of adjudication- 15 U.S.C. 1681section 604 ( A ) ( ( 2 ) it states a consumer reporting agency can not furnish a account without my written consent- 15 U.S.C. 1681 States i have the right to privacy-15 U.S.C. 1681s-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 resonable cause to believe that the informaion 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 2022-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Onemain financial has take over 2000  dollars away from me they said XXXX is for the interest rate they never said I have to pay XXXX just for interest I have paid payments for over 2 yrs this is excessive and they lied I me I would not have taken a loan out just to pay you XXXX interest rate this wrong and I need help to get my money back can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint was the result of their non-compliance of your Bureau to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. These accounts was already been deleted in the other Bureau, yet you are still reporting it on my credit report. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a notification of several new hard inquiries on my Experian, and XXXX credit reports. The inquiries were listed as follows : Experian reports inquiries from : XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports one inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After checking my credit reports with both companies, speaking with their consumer service agents, as well as contacting the companies that performed the inquiries, I found that both agencies had incorrect SSN, Name, address, birthdate and other personal information listed on my report. From speaking with XXXX XXXX and XXXX XXXX I learned that the credit checks were performed for the individual whose name, address and SSN have all been erroneously listed on my report. 

I have disputed all of this information with both agencies. 

I have just received official notice from Experian in the mail today showing the revisions they made due to my dispute, yet the incorrect name is still listed, as are the inquiries. As of now, XXXX has also investigated my dispute and upheld the inquiry as factual, and will not remove it. 

This issue with Experian has been going on for over five years, as sometime around XXXX I had an extended dispute with them to remove outstanding debt records that belonged to this other person who Experian keeps reporting on my record. At the time I believed it all to be settled, and hadn't checked back in as there hadn't been any new issues until this month.

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 2022-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: TX

Complaint narrative:
They refuse to work with me on a payment plan that I can afford. The first representative told me I could pay one payment a month, which is XXXX XXXX  a month. Now, they are proposing an amount that I can't afford. I have sent several emails, and they refuse to reply to my request. All the communication I get is about my account being past due as if I am not trying to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit reports and XXXX XXXX XXXX XXXX is reporting a balance of over {$10000.00} for a credit card that they say belongs to me. Please remove this, it has been reporting for XXXX  years now. I need it off my credit report. It is fraud. Thank you.

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 2022-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CAPITAL ONE AUTO FINAN XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX  Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
This account closed out in XXXX the status of the account was paid and closed. Within this year I asked a credit repair service to reach out about missed payments and mysteriously XXXX years worth of collections were reported. I was never notified of the issue with the account which could of been corrected prior. I reached out to XXXX XXXX ( XXXX XXXX XXXX about the inaccurate reporting and agreed to settle account for deletion due to inaccurate reporting. This account was reporting paid and closed for XXXX years until I inquired and XXXX  years of late payments appeared when I had no knowledge of any payments were due or not collected before closure of account.

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
This account closed out in XXXX the status of the account was paid and closed. Within this year I asked a credit repair service to reach out about missed payments and mysteriously XXXX years worth of collections were reported. I was never notified of the issue with the account which could of been corrected prior. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX about the inaccurate reporting and agreed to settle account for deletion due to inaccurate reporting. This account was reporting paid and closed for XXXX years until I inquired and XXXX years of late payments appeared when I had no knowledge of any payments were due or not collected before closure of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This account closed out in XXXX the status of the account was paid and closed. Within this year I asked a credit repair service to reach out about missed payments and mysteriously XXXX years worth of collections were reported. I was never notified of the issue with the account which could of been corrected prior. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX about the inaccurate reporting and agreed to settle account for deletion due to inaccurate reporting. This account was reporting paid and closed for XXXX years until I inquired and XXXX years of late payments appeared when I had no knowledge of any payments were due or not collected before closure of account.

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter with 2 forms of identification on XX/XX/2022 asking the agencies to update my address as wells telephone number with no update or response. I am requesting the agencies to update my information. with the following information in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/22 I was notified a payment had been sent to an account I thought had been closed months earlier. I contacted the bank and they closed the account and said a payment would be issued for the full {$970.00}, I waited a couple of weeks before calling back due to not receiving the payment. A clerical error on their behalf went on for 2 months of me calling daily before they realized their mistake and at that time they stated I should get the check in 7-10 days. Once again I have no payment. I call daily and they state they are emailing back office to no response. Today I was told they have no updates their is no one to speak to and hung up on. I called back to be told notes are across 2 accounts and all mixed up and that now I need to wait until XXXX for my payment to even be issued and that after that it takes up to 60 additional days to get my check. Ive never gotten a call back from any supervisor as requested Ive put in a complaint almost daily after waiting on hold for over a hour EVERYDAY.

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on " XX/XX/22 '' I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you are causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on " XX/XX/22 '' I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you are causing 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 non-monetary relief