vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
The below action that is required by Carrington did not occur. 


( 4 ) Homeowner Assistance Fund The Mortgagee must inform the Borrower, utilizing any available method of communication, that they can apply for the Department of Treasurys Homeowner Assistance F

und ( HAF ), if HAF is available in their jurisdiction.

As permitted by the jurisdictions HAF program, HAF funds may be used in connection with the Borrowers FHA-insured Mortgage or any Partial Claim Mortgage in a manner consistent with the respective mortgage documents and FHA requirements .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
So my car was repossessed back in XX/XX/2020 and Ive been paying on this car for almost 3 years. I was pulled over and found out that my car registration is no longer valid because when my car was repossessed the car was never put back in my name. Now Im having a hard time getting the company XXXX to send me the title paperwork to get my registration back on my car. Im still Making payments on my car but cant drive it. Its been 2 weeks and they are still not telling me what the hold up is. Ive been renting a car and I cant afford to keep doing both.

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 2021-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Contacted XXXX XXXX to resolve the amount and was advised to contact the collection agency Springs Oak Capitol LLC. Contacted Springs Oak Capitol to resolve balance owed from XXXX XXXX in XX/XX/2021. 

During my conversation with Agent, we agreed on a settlement payment to clear account for deletion on Credit Report. Payment was made and resolved on XX/XX/2021 and I was advised that details would be submitted to Credit Bureaus to have account removed from credit report. Report was sent to credit bureaus on XX/XX/2021. 

I called Credit Bureaus to request account from XXXX XXXX to be removed as account was paid and no longer owed. Credit Bureaus agents advised that account can not be removed as it shows its still owed to XXXX. I submitted supporting documents to advise of payment for deletion and items still remain. 

The items should be removed as the debit is no longer owed and agreement was a pay for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX 2 mortgage brokers called me all day. I was told they would receive a commission just to send me a quote. To stop the harassment Chase emailed me a QUOTE in XXXX. I never closed, I never signed a note. This QUOTE never closed.. I did not need to borrow money. I only agreed to a QUOTE to help XXXX out by getting a small commission for only quoting people. The broker from chpse XXXX XXXX XXXX, without closing with out wanted her larger commission and " sent in for commission in XXXX : XXXX .sent for her commission early in XXXX without my consent, but I cancelled the QUOTE, she was upset and XXXX XXXX works for CHASE. ( XXXX. this is the woman from chase that was mad she had to " give my commission back ) '' told me she had to return her commission because I cancelled. It turns out that when XXXX turned in paperwork from the XXXX quote, by collecting her commission she generated a $ XXXX XXXX dollar invoice in my name, generated invoices on my for a mortgage that never CLOSED in XXXX XXXX. 
XXXX XXXX in XXXX XXXX FL ( I had restrained ) and a lawyer in NY, Mr. XXXX XXXX, keeps suing me for 7 years for a debt that is not mine. I just found the CHASE invoice from XXXX. 

4. CHASE must confirm what I stated and stop Mr XXXX and XXXX XXXX from stealing my unencumbered property of 45 years. I can provide contact info as requested. 
I also want my {$600000.00} back in actual damages I spent defending these wrongful actions. 
From one lawyer suing me and for 7 years of being sued ongoing. The lawyers fabricated 12 forged notes, efiled 12 forged notes from XXXX. These NY lawyers have collected enough data on me personally to fabricate and entire, fabricated forged mortgage and registered a fake loan in XXXX, ( 14 years after the Quote from CHASE in XXXX ) with MERS mortgage and recorded 3 mortgages and 10 liens, backdated to XXXX on my deed have stolen my deed and equity of 45 years for CHASE mortgage QUOTE in XXXX that never closed. Actual damages are $ XXXX NY Lawyers XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The more honest lawyer is XXXX from XXXX XXXX is a witness. 

XXXX from XXXX XXXX witness, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was asking a general question of TransUnion Credit Reporting as to why the credit score they gave me was 100 points lower than my XXXX score. In turn, TransUnion deleted 3 accounts that also deleted my longest credit history. I did not ask for these 3 reports to be deleted. I called their contact number and was transferred to their Fraud Department. TransUnion made these deletions. I know this because my XXXX report shows the 3 reports gone & TransUnion sent me an email of my dispute results. I only wanted a simple question asked and they deleted information I did not grant them to do. I am really upset that my oldest credit card of 47+ years is gone and now my oldest credit account information is 28 years. 
The confirmation # for my file is - Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by TransUnion Consumer Relations

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 2021-09-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/21 I placed an order with a vendor who failed to deliver and would not respond to my requests for a refund. I escalated to my credit card company, Citi online and via phone but their systems would not accept my dispute request. I tried multiple times online and was later told by a representative that their dispute system was " offline for maintenance '' and to try again in a few business days it has now been more than three business days that this " system '' was down.

Considering the fraud-prevention and control role a dispute system holds, a multi-day outage at major bank is both unacceptable and worrisome. There should be alternate methods to process this dispute manually and a more robust control environment to protect client funds.

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 2021-09-15 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: CA

Complaint narrative:
i've been trying to fix this simple problem with the credit bureaus, i am a XXXX, and the credit bureaus have negative information in my file, that belongs to someone who is not a XXXX. I know i have a very common XXXX surname, which has gotten me involved withe courts once, but do not fill that a XXXX XXXX, and me a XXXX, should be mixed up. I have written them before and they have refused, to delete this information, please advise

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 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
REQUEST FOR YEARS MY FREE ANUAL CREDIT REPORT FROM EQUIFAX, THEY REFUSED INSTEAD REQUEST A MONTLY PAYMENT TO GET ACCES TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On, XX/XX/2021, a client of mine paid me via an ACH transfer via Square. They put a 4-day hold on it which is their normal operating procedure. On XX/XX/2021, I was informed via email that they deactivated my account and informed me they would hold any money in the account 90 days before they would release it. The amount they received from my client was {$120.00}. The only way they would let me resolve the issue was to issue the client a refund, which I did, and arrange for payment differently. Fortunately, my client paid me in a different method. I attempted on contacting Square.Com on the phone to no avail. When I finally did get through, I was not able to talk to a person, instead, I was inputting information into their phone system. I was informed that because they deactivated my account they would not put me through to anybody and that no other information was available. In short, I am a very dissatisfied customer and they delayed my ability to work for an entire day. This is unfair to me, my clients, and extremely unprofessional. I requested they contact me via email regarding this issue which they have refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Contacted Mariner Finance to resolve the amount and was advised to contact the collection agency XXXX XXXX XXXX XXXX. Contacted XXXX XXXX XXXX to resolve balance owed from Mariner Finance in XX/XX/2021. 

During my conversation with Agent, we agreed on a settlement payment to clear account for deletion on Credit Report. Payment was made and resolved on XX/XX/2021 and I was advised that details would be submitted to Credit Bureaus to have account removed from credit report. Report was sent to credit bureaus on XX/XX/2021. 

I called Credit Bureaus to request account from Mariner Finance to be removed as account was paid and no longer owed. Credit Bureaus agents advised that account can not be removed as it shows its still owed to Mariner. I submitted supporting documents to advise of payment for deletion and items still remain. 

The items should be removed as the debit is no longer owed and agreement was a pay for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XXXX I tried to log into my conbase account and I was unable to do do. When I called customer support, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent in letters regarding inaccurate reporting of false items and late payment history on my credit report. I feel like I'm being ignored for my disputes. Also, there were inquiries that we're not authorized nor I'm not even aware of. It's been more that 60 days since I sent in those letters and I don't receive any notification nor results of any Investigation taking place.These are all deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.

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 2021-09-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I've disputed my dept of education loan payment history several times. The dept of ed says my loan was in collections on XX/XX/2018, yet the loan was paid off and consolidated by fed loan servicing on XX/XX/2018. It's not possible for it to be in collections when the dept of ed didn't even have the loan. My credit report shows both companies servicing the same loan at the same time which isn't possible. This should be corrected or deleted.

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 2021-09-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I've disputed my dept of education loan payment history several times. The dept of ed says my loan was in collections on XX/XX/2018, yet the loan was paid off and consolidated by XXXX XXXX XXXX on XX/XX/2018. It's not possible for it to be in collections when the dept of ed didn't even have the loan. My credit report shows both companies servicing the same loan at the same time which isn't possible. This should be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I've disputed my dept of education loan payment history several times. The dept of ed says my loan was in collections on XX/XX/2018, yet the loan was paid off and consolidated by XXXX XXXX XXXX on XX/XX/2018. It's not possible for it to be in collections when the dept of ed didn't even have the loan. My credit report shows both companies servicing the same loan at the same time which isn't possible. This should be corrected or deleted.

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 2021-09-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet and it has been over 30 days. Please remove these inaccurate items that were originally disputed on the date above from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.

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 2021-09-15 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: NJ

Complaint narrative:
I am XXXX XXXX, and I am the author of this complaint. The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you- Equifax, may require. 

There have been greater than 4 attempts to fix this issue, and the issue remains. 

The last complaint is attached. 



The issue - 1. My Physical Home Address continues to be updated at Equifax 2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX- is not, my current address 3. This has been disputed to Equifax- and on numerous occasions 4. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data 6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax 7. Access to my own credit data is prevented when it does not match 8. I have NOT caused an inquiry to EQ, with any data 9. Applications for credit - where mismatch occurs, may also be impacted 10. The Last Reported Date, for the Address in XXXX NJ- you EQ - store, is XXXX XXXX, XXXX. 11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 4.5 years, to update my contact information. The impact to me is devastating. Communications, and the like, validation of who I am- is impacted by this fraudulent data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: KEYCORP
State: NY

Complaint narrative:
On the date XX/XX/XXXX of this year Unemployment released my payments to KEYBANK which than processs me to receive a card. KEYBANK NEVER SENT ME A CARD! They keep telling me unemployment never sent a email to the bank for my account to be unlocked! THATS NOT TRUE! UNEMPLOYMENT SENT NUMEROUS EMAILS TO KEYBANK FOR MY ACCOUNT TO BE UNLOCK AND I BELIEVE THEY DID SEND S EMAIL BECAUSE I STILL WAS RECEIVING AND STILL RECEIVING PAYMENTS BUT ITS ONLY DUE TO THE FACT I SWITCH THE OPTION TO GET DIRECT DEPOSIT! ITS OVER {$4000.00} that unemployment sent to key bank and the bank never even sent the bank back! Its to the point I call the bank they now telling me its {$0.00} in my account so wheres the money that was sent since XXXX?!?! Im so confused and I need help!

Company response to consumer: Closed with explanation