vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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: GA

Complaint narrative:
Dear CFPB, I would like to investigate the account listed below as if is not reporting correctly on my credit report XXXX XXXX XXXX I am feed up with the 3 credit bureaus XXXX XXXX XXXX, and TransUnion for not responding and rectifying my problem in a timely manner and not following the laws and rules that they agree to. I sent out letters to them on XX/XX/2022 and XX/XX/2022 and still haven't had anything done these accounts showing on my credit report is not correct. I'm asking your company to handle this matter and get these credit bureaus to correct these inaccurate accounts. From my understanding this law FCRA623 ( a ) ( 8 )

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 2022-04-01 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: GA

Complaint narrative:
Dear CFPB, I would like to investigate the account listed below as if is not reporting correctly on my credit report XXXX XXXX XXXX I am feed up with the 3 credit bureaus XXXX XXXX Experian, and XXXX for not responding and rectifying my problem in a timely manner and not following the laws and rules that they agree to. I sent out letters to them on XX/XX/2022 and XX/XX/2022 and still haven't had anything done these accounts showing on my credit report is not correct. I'm asking your company to handle this matter and get these credit bureaus to correct these inaccurate accounts. From my understanding this law FCRA623 ( a ) ( 8 )

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 2022-04-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I originally accepted a federal student loan through XXXX XXXX for about {$20000.00}. The loan was assumed by Navient from XXXX XXXX and I have repaid almost {$18000.00} towards the original loan amount. However, Navient claims I owe them over {$24000.00} still. This is more than the original loan amount that I have been paying on for over 20 years. This is mathematically impossible for a loan with an 8.25 % interest rate. I have had several " forebearances '' that were applied to my account by Navient without my consent and that have made the payoff amount out of reach. I have also been told they are compounding the interest daily, and even though I have paid over {$300.00} a month for almost 20 years, they claim I am deeper in debt than when I originally took out the loan. I would be glad to settle the loan for a reasonable amount but I am not repaying double the original loan amount. Please provide some arbitration or legal assistance with this matter. Navient is well-known for handling federal student loans with very questionable practices that has led to the deception of millions of American taxpayers and they have stolen millions from the students of this country in the name of the federal government. They should be already have been prosecuted criminally for these actions but I really just want to be able to pay-off my loan for a reasonable amount. Please intervene and stop Navient from continuing to perform these types of practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NC

Complaint narrative:
Hello, I notified Experian more than 3 times about Credit Inquiries reporting on my credit report in error. I never even receive a response. 

I have attached a current Experian report dated, XX/XX/XXXX. Experian is still reporting 2 Hard Inquiries past the removal date. Those Hard Inquiries are for XXXX and XXXX. The inquiry for XXXX is dated XX/XX/XXXX, and the inquiry for XXXX is dated XX/XX/XXXX. These are both past the 2 year reporting dates. ( See Exhibit 1 ) Also, Experian is reporting a Hard Credit Inquiry XXXX XXXX XXXX that is not correct. The XXXX inquiry is dated XX/XX/XXXX. I never provided consent for XXXX to do a hard inquiry. I provided consent for a soft inquiry. I contacted XXXX and they said they are not sure why Experian is reporting a Hard inquiry because they do not even report to Experian. The email attached and dated XX/XX/XXXX, is proof that XXXX notified Experian about removing the hard inquiry. ( See Exhibit 2 ) However, Experian is still reporting the inquiry in error.

I am asking for the 3 highlighted hard inquires to be removed immediately as provided by law. ( See Exhibit 1 )

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 2022-04-01 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: GA

Complaint narrative:
Recently XXXX XXXX XXXX XXXX, unauthorized, pull a credit pull on my account. They used Trans Union and XXXX, XXXX. The information that was sent to me appears to be incorrect, compared to XXXX and XXXX ( credit score and other information ) is incorrect. The file credit pulls occurred on XX/XX/2022. 

Trans Union 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 explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
On XX/XX/2022, I sent funds from my XXXX  Account to my XXXX XXXX account in the amount of {$180.00} through Zelle, which wasnt the first time I had done so. XXXX XXXX sent me an email stating that they were unable to deposit the funds and that they were returning them. By XX/XX/2022, I contacted Zelle via email to check the status, because my money hadnt been returned yet. I got an automatic email response with a case number that said that I would get a response in two business days, which I did not. Just before the close of the second business day, I reached out to Zelle via phone on XX/XX/2022, since I had not gotten a response as they stated I would. I provided the case number to the representative and he told me he was unable to look up the case. So, after I explained what my issue was again, he started another case for me. He indicated that he wasnt able to see what happened to the funds and that he needed to send it to the research department to investigate. There has been no further details provided since the case was opened. I called Zelle again today and the representative wasnt able to provide any details. My problem is my initial contact with Zelle was XX/XX/2022 and its now XX/XX/2022, yet no one can tell me anything. Im beginning to feel like Zelle ripped me off. I need my money back as soon as possible, so I would like some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NC

Complaint narrative:
Hello, I submitted Complaint XXXX on XX/XX/2022, against Equifax. Equifax responded today. Equifax responded to my complaint as quoted, " In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. '' Equifax did not even read my complaint. My complaint was not about a furnisher. My complaint is about EQUIFAX. Equifax is reporting wrong data. NOT THE FURNISHERS! My Equifax ANNUAL REPORT and myequifax Dispute Center report is reporting the wrong AGE OF THE ACCOUNTS. THIS IS SERIOUS. Equifax can not continue to report bad data and ignore the problem. This is ridiculous. 

I have also been paying monthly for a credit monitoring daily report when the data is always wrong. I am going to contact the CEO and other government agencies about this serious issue. 

How is Equifax getting away with not even addressing issues? I am going to notify people about this issue until someone finally understands the seriousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
My ss was use for a loan I didnt apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gotham Collection Services Corp.
State: FL

Complaint narrative:
My wages were garnished on XXXX due to a collections debt. Im unaware the debt, has never spoken to this collections company and the debt has not been VALIDATED. The collections company is in violation of the FDCPA guidelines as NO written notice was provided/ received by me prior to this garnishment therefore I had NO TIME to try and resolve. My correct address is updated with all 3 major credit bureaus so Im unsure why a notice was sent to an INCORRECT ADDRESS. I believe that is an UNFAIR tactic used by this collections company to try and collect payment due to my employer being located ( and not my address? ). The attorney of the collections company LIED to my employer stating I am in communication with their office and that I am aware of the debt and garnishment notice, WHEN I NEVER RECEIVED ANYTHING. This is incorrect and is considered Unfair Practice as unconscionable means were taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synter Resource Group, LLC.
State: TX

Complaint narrative:
I would like to file a complaint on XXXX. Company harrass me at my Job, sending me false documents of court dates stating I am being sued by XXXX XXXX. Has done so since 2018. They call my job and personal cell, and it is very embarrassing. Number they are calling from now is XXXX XXXX XXXX. The representatives are extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NJ

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NJ

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this 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 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX Deposited a {$21000.00} check into our small business account. Unfortunately check was made out wrong. Not to the company exact. Bank manager confirms it should not have been run thru, and we agree should have confirmed how check was written. 
Bank manager reassures us this issue can be corrected. blaming the issue on the check writers banking institution. 
Turns out Chase Bank continues to hold onto these funds. Will not release the check until XX/XX/XXXX. Basically Chase has been holding on to our Customers Funds for over a week now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: ID Analytics, Inc.
State: GA

Complaint narrative:
Recently XXXX XXXX XXXX XXXX, unauthorized, pull a credit pull on my account. They used XXXX XXXX and SagaStream, LLC. The information that was sent to me appears to be incorrect, compared to XXXX and XXXX ( XXXX XXXX and other information ) is incorrect. The file credit pulls occurred on XX/XX/2022. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SageStream LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was notified through XXXX XXXX about 3 credit inquiries that I did not submit nor request or approve. 

They are : American Express, by XXXX on XX/XX/2022 XXXX XXXX of XXXX XXXX, by XXXX on XX/XX/2022 XXXX XXXX, by XXXX on XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Friday XX/XX/XXXX XXXX XXXX ID XXXX in the amount of {$25.00} was initiated to recipient XXXX was not received due to XXXX XXXX called Chase on Saturday XX/XX/XXXX XXXX was advised by representative to cancel & Re-send transaction which was done new transaction ID was now XXXX Monday XX/XX/XXXX I check my bank account & now had 3 transactions 1st Transaction ID XXXX XXXX Re-sent Transaction XXXX & a " XXXX Payment from Recipient XXXX '' transaction ID XXXX I then proceed to call Chase again & was advised by recipient this was a refund from Chase due to down service Tuesday XX/XX/XXXX the " Refund '' XXXX ID XXXX was no longer available thus leaving transaction charged twice I contacted Chase multiple times & had been told credit would be received in 10 business days via XXXX However XX/XX/22 I was told Recipient has to XXXX me the {$25.00} back that no credit would be provided yet the intended person only received the funds once This is extremely frustrating I was charge twice upon following Chase Representative instructions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Hello, my debit card was stolen on XX/XX/XXXX and used at 2 different casinos, total of 2 charged transactions. I reported fraudulent charges with my bank BMO Harris Bank the next day after seeing my card was used. I also reported to the local police department XXXX Police Department ( XXXX ) XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX my bank credited for those charges. As of today XX/XX/XXXX, I have not received any letter or message regarding my account, but I noticed the credit has been reversed. I called the 24 hour customer service this morning and the representative told me BMO Harris is denying my claim because " merchant provided evidence '' and have reversed the credit on my account. I do not know what that means, but that's all he could tell me regarding the claim.

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 2022-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: OK

Complaint narrative:
I was contacted by what I now as an imposter of LendingTree. This individual called themselves XXXX XXXX, and said they were a senior loan manager. They reached out only by text and phone. They had my information already. These events occurred on XX/XX/XXXX around XXXX pm. They called in the morning several times under a XXXX, then texted from a XXXX, telling me I was prequalified for a loan and to call XXXX. I ignored it because I didnt associate the number with the one calling me incessantly until I talked to that individual. They stated they are XXXX XXXX. They had my information, said my requested amount of XXXX was approved, needed to verify my account which they then got access and moved money into my account and around between my savings and checking. Then stated I did not qualify for the loan, that XXXX or something needed to be paid back once the transactions completed. I got off the phone with them realizing I stupidly fell for a scam, so I immediately reported to the real LendingTree so they could be aware of an impersonator of their brand. I then contacted my bank to close my account. I also am working to report this action to the credit bureaus, XXXX, XXXX, and XXXX. I wanted to report it here because I am now receiving text threats which state I will be reported for money-laundering because I have not answered their calls. Which ironically they never leave a voice message and I assume that is because they dont want to be identifiable. I screenshot the texts I received from this individual. I dont want to be criminal charged for anything because Ive never been in such a situations. Im a law-abiding citizen and I dont want anyone else to fall victim to such a scam now or in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I'm a XXXX XXXX XXXX XXXX and I'm exempt from paying since 2021 State Property taxes and I sent my Mortage company all of the necessary paperwork from my county state indicating that I'm exempt from paying property taxes and my mortage has declined from removing the taxes from my payment and still changing me to pay taxes on my mortgage. this is against the law to keep me paying property taxes when I'm exempt from paying taxes. The Mortage company is PHH I need help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: MD

Complaint narrative:
see attached

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 2022-04-01 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: NY

Complaint narrative:
hi i made a complaint on XX/XX/22 complaint ID # XXXX about inquiries that is deem fraudulent and my inquiries were not removed upon the investigation. I request a reinvestigation under 15 USC 1681A Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation