vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: CORELOGIC INC
State: OH

Complaint narrative:
I like to order a full Core Logic report, I believe there is some misinformation on my credit report.

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 2021-10-07 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: Park Hill Holdings
State: OH

Complaint narrative:
I like to order a full XXXX XXXX report, I believe there is some misinformation on my credit report.

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 2021-10-07 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: CA

Complaint narrative:
To whom it may concern, On XX/XX/2021, I reported a few ACH transactions on my Chase checking account number XXXX as unauthroized. Please see attached, the fraud claim form that I was asked to fill, and send back, which was received by the bank on XX/XX/2021. The transactions were done by XXXX, which I have NEVER had an account with, or have done business with. 

On XX/XX/2021, after I filed my claim, I was then connected to another agent from the fraud department. He restricted my checking account, so that fraudulent activity could no longer continue. He informed me that the account has been blocked, it will be closed down, and I would need to go to a Chase branch with 2 pieces of ID to open a new account. 

I have not yet had the chance to go to a branch in person, and open a new account, due to a busy schedule, and traveling. However, as of today, XX/XX/2021, I noticed my checking account ending in XXXX has been completely closed down, and I can no longer view it online. I have contacted the Chase claims department multiple times over the past few days, and all I have been told is that my claim is pending approval by the back-office for the temporary credits to be posted onto the account. 

It is important to note that prior to the unauthorized activities that took place on my checking account, the available balance was {$86000.00}. 

Since I can no longer view any of the activities occurring on my checking account ending in XXXX online, I am very concerned about my money, where it is going, and how I can regain access to the funds that have been stolen from me I, hereby, request Chase bank to issue credit ASAP for the unauthorized ACH transactions that have taken place on my account, and since the account is closed, and I, no longer, have access to it, send me a check, for the entire balance of my account, prior to all these fraudulent ACH transfers taking place, to my mailing address on file : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX. 

Please make sure that I receive this check via expedited mail with a tracking number, and signature delivery, so that it does not get lost in the mail. Please provide me immediate access to my funds. 

Thank you for your time and consideration. 

-XXXX XXXX XXXX Account # XXXX Debit Card # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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:
XXXX XXXX  obtained this account from XXXX XXXX and it was placed on XXXX  credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.

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 2021-10-07 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: Risecredit, LLC
State: IL

Complaint narrative:
HAVE BEEN TRYING TO RESOLVE THIS CREDIT REPORTING INACCURATE INFORMATION WITH RISE CREDIT FOR A FEW WEEKS NOW. RISE REPORT MY PAID IN FULL ACCOUNT AS 30DAYS DELIQUENT. I DID CONTACT RISE AND T.HEY HAD A REP NAME XXXX WORKING ON MY ACCOUNT TO ENSURE THE INACCURATE CREDIT INFORMATION WAS CORRECTED TO REFLECT THE ACCOUNT PAID IN FULL ACTUALLY THE ACCOUNT WAS PAID COMPLETELY. HOWEVER IT HAS BEEN A BACK IN FORTH ISSUE WITH RISE THE INACCURATE REPORTING TO CREDIT BUREAU CAUSED MY SCORE TO DROP 30 POINTS WITH ONE AGENCY AND XXXX POINTS WITH ANOTHER. WELL TODAY XX/XX/XXXX RISE REPORTED TO THE CREDIT BUREAU THE ACCOUNT CLOSED THEY DID NOT REPORT THE ACCOUNT WAS PAID IN FULL BY ME. IT APPEARS LIKE RISE CLOSED THE ACCOUNT AND THAT IS TOTALLY NOT TRUE. I MADE EVERY PAYMENT WITH RISE ON TIME AND ALL PAYMENTS WERE MADE. I PAID THE ACCOUNT OFF AND THAT INFORMATION SHOULD BE STATED ON MY CREDIT REPORT ACCOUNT PAID IN FULL. THIS IS BEEN A CHALLENGING ISSUE TO GET RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: WA

Complaint narrative:
There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with XXXX XXXX XXXX ( XXXX ). There is a 30-day late that occurred in XXXX of XXXX. An auto mortgage payment to XXXX ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XXXX of XXXX, because XXXX cancelled XXXX auto-payment when XXXX shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, XXXX did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XXXX of XXXX. We made our first payment in XXXX of XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by XXXX. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from XXXX, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: WA

Complaint narrative:
There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with XXXX XXXX Mortgage ( XXXX ). There is a 30-day late that occurred in XXXX of XXXX. An auto mortgage payment to XXXX ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XXXX of XXXX, because XXXX cancelled XXXX auto-payment when XXXX shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, XXXX did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XXXX of XXXX. We made our first payment in XXXX of XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by XXXX. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from XXXX, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.

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 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: DC

Complaint narrative:
Chime has rejected all of checks I've tried to deposit. XXXX stated it was because Chime " can not read how the checks were printed. '' I was told this will continue to happen. Why does Chime advertise free mobile check deposit after making you agree to direct deposit only to reject all my mobile deposits? How are you refusing checks that are issued a national bank like XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: OH

Complaint narrative:
Email to Jefferson Capital attorney : Mr. XXXX, I have been doing my best to pay you guys off and you were professional and courteous. However, I am getting daily calls on maybe a different account or this one. I'm not sure. But my brother was here visiting and answered the phone and I was in the bathroom. Can you please pull the recording and send it to me?

Call received XXXX XXXX  est on XX/XX/2021 Caller : This is ( he didn't catch the name ) calling on a recorded line. Is this XXXX? 

My Brother : Yes Caller : This is Jefferson Capital calling about a debt you owe in the amount of $ $ $ $ $ $ ( He can't remember ) I want to know how you are going to pay this? 

My Brother : Aren't you supposed to verify who you're talking to? Because this is not XXXX. 

Caller : Well you lied on a recorded line XXXX! XXXX the phone down. 

Can you please send me a copy of this phone or tell me how I can request a copy of it? 
Everyone is struggling through the pandemic and I have done my best, but I will not be disrespected like that. 

What is the remedy for a debt collector that behaves in this manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: AL

Complaint narrative:
I have sent numerours letters to the bureaus and usually there is no response. I did receive something stating that items were verified. I have sent another letter like the burueas asked me to do to get this inaccurate information off of my report. I also wanted to know how this information was verified because none of the creditors were able to furnish me with the information. It seems if I owe a debt they would send me proof but for some reason they don't have it. I would like this negative information remove from my credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive submitted police reports, identity theft reports and countless emails showing that first progress account was due to fraud they refuse to take it off my credit report even with all the documents I gave them because they claim the company provided them with my first and last name and my birthday which is information that anybody can get off of any social media platform so how exactly can they prove something to be accurate when Im giving experian all this information even a police report showing that its not

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 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of america decieed to close my checking account and did nit notify me at all by phone, email, text message So i went to branch and they told me my mother might of closed it ut that wasnt the case i went agian to a different branch and was told its stilll pending and it was closed due o misabuse so i dont no how long i have to wait for my remaining funds but can access my funds until its finalize close and they said i will recieve a check but i have bills to pay and its affecting my livelyhood ....

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 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have been desputing an account with XXXX XXXX through XXXX, TransUnion and XXXX. The credit bureaus have failed to investigate my despute for more than 90+ days. This derogatory account is affecting my accounts negatively.

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 2021-10-07 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: IN

Complaint narrative:
I have been desputing an account with XXXX XXXX through Equifax, XXXX and XXXX. The credit bureaus have failed to investigate my despute for more than 90+ days. This derogatory account is affecting my accounts negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: AL

Complaint narrative:
I have sent numerours letters to the bureaus and usually there is no response. I did receive something stating that items were verified. I have sent another letter like the burueas asked me to do to get this inaccurate information off of my report. I also wanted to know how this information was verified because none of the creditors were able to furnish me with the information. It seems if I owe a debt they would send me proof but for some reason they don't have it. I would like this negative information remove from my credit ASAP.

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 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2021 I applied for the most recent credit card offer advertised by the credit union of which I have been a member for years. I have other credit cards from this credit union that I have always paid timely as agreed. I usually pay off the balance of charges I have made on the credit cards so as to avoid interest charges. 

Since I joined the credit union years ago, my debt to income ratio has improved to it now being the best it has been. Also, my after-tax income is the highest it has been since I joined the credit union . 

Despite all of the reasons that a member would reasonably expect to have been approved for the most recent credit card offer the credit union advertised to its members, my application was denied on XX/XX/2021. The reason the credit union stated for having denied my application is because that I presently have maximum open-end credit.

I wrote the credit union asking for the underwriting department to reconsider. I submitted a counteroffer requesting the credit union reduce my line of credit by {$5000.00}, or in the alternative reduce the maximum credit limit on one of the other credit cards I have from this credit union by {$5000.00} and then send me the new credit card per its most recent offer with a credit limit of {$5000.00}. 

The credit union has not responded to my request for reconsideration and my counteroffer.

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 2021-10-07 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NY

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: AL

Complaint narrative:
Auto loan with XXXX XXXX 2 late payments were reported on XX/XX/XXXX and XX/XX/XXXX I have reached out to all three credit bureaus to have late accounts updated to current with no late payment due to COVID-19 related issue with no success.

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 2021-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: CA

Complaint narrative:
THEY KEEP CALLING EVERYDAY AT ALL HOURS OF THE DAY WITH DIFFERENT PHONE NUMBERS I HAVE ALREADY TOLD THEM TO STOP HARASSING ME. MY DEBT IS ALREADY IN COLLECTIONS AND ON MY CREDIT REPORT. THE COMPANY IS CALLED WESTLAKE FINANCIAL SERVICES.

Company response to consumer: Closed with explanation