vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-24 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: TX

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
The closing was confusing and explanation of terms were vague under impression had a grant yet this was a second lien on my home here are the reasons and things that have caused issues below : 1. Loan terms for XXXX were not given yet this has been paid off in full but the bank has received funds of {$9000.00} ( please see XXXX Mortage subsidy Agreement last paragraph showing amount added of {$9000.00} ) which was added to mortgage and pay off was for {$4100.00} or there abouts with interest ( please see Discharge of Mortgage included as well ) so there is a credit due of {$4800.00} or thereabouts is owed to myself and loan be reamortized taking out MHP out. 
2. Company refused to accept legally done Appraisal on Home only after complaints relented home value is {$360000.00} loan amount owed is {$250000.00} or less now therefore as requested over and over Escrow account should be removed as requested yet again refusal. 
3. The 2nd lien of MHP has been recorded with Registry of Deeds as well 4. Loan documents said one thing yet after never being late at all payments keep going up this needs to be corrected and stop DOCUMENTS ATTACHED OF MORTGAGE SHOWING IMPORTANT ISSUES TO SHOW WHAT IS NEEDED TO FIX THE ISSUES ATTACHED TO COMPLAINT. 
Citizens bank has been sent proof of all stated below and has not responded to date due to issues in past would like all in writing and need a new Amortization Schedule done with Escrow and XXXX removed since they have been paid in full and Dscharge from them already provided and registered with Registry of Deeds as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My cares act forebearance ended XX/XX/XXXX, I filed XXXX mortgage assistance program XX/XX/XXXX as told to do so 30 days prior to forbearance ending, I've been submitting all the documents needed my award letter for the VA and SOCIAL SECURITY XXXX, MY WIFE 'S PAY STUBS AND BOTH OUR BANKS STATEMENTS SINCE XX/XX/XXXX, LAKEVIEW LOAN SERVICING, KEPT SAYING THAT THEY WERE NOT RECEIVING THE EMAIL, EACH REPRESENTATIVE THAT I TALKED TO KEPT GIVING ME DIFFERENT EMAIL ADRESS, FINALLY I SENT THE DOCUMENTS BY XXXX, NEXT DAY DELIVERY, CERTIFIED XX/XX/XXXX, AND THEY STILL SAID THEY HAD NOT RECEIVED THE DOCUMENT THEY WERE SIGNED FOR XX/XX/XXXX XXXXI HAD TO RESEND THE BANK STATEMENTS AND PAYSTUBS AGAIN FOR XXXX AND XX/XX/XXXX AND THEY STILL DELAYING, I BELIEVE THAT THEY ARE USING STALLING TACTICS,

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 2022-03-24 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: TX

Complaint narrative:
On XX/XX/2022 someone stole my card from me and racked up {$190.00} in charges I called chase to report and said that everything was going to be taken care of. XXXX passed and I see that they reversed the credit back and stated because I used my card on the XXXX of XX/XX/2022 that it wasnt consistent with the fraudulent activity. I stated that the fraudulent activity started on the XXXX no the XXXX but they said they wouldnt check again and Im out of luck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 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: TX

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TX

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was lied to and mislead into sending XXXX $ to an authorized XXXX account through my Wells Fargo on line app resulting in my filing a claim through Wells Fargo. The individual ( XXXX XXXX XXXX ) ( XXXX ) XXXX then unregistered his account from XXXX which is visible from my mobil app, resulting in my claim being denied, since the account was closed before funds could be recaptured and I was denied reimbursement. Wells Fargo is acting outside of policy. As it reads, within the Consumer Financial Bureau 's Electronic Fund Act, regulation E. If you are induced by an individual banks must return your money. 

Claim # XXXX Claim # 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 2022-03-24 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: TX

Complaint narrative:
Equifax has failed to remove account " XXXX XXXX '' from my credit report, even though i had provided proof that i am a victim of identity theft,. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
An agent from Rocket Mortgage pulled our credit without our consent to refinance. They started calling us non stop and we finally answered after hearing her out to be polite to her, We told her by phone we were not interested, that we were happy with our existing home loan with them. The next day we replied to 2 separate text messages saying that we were not interested, we were feeling almost harassed with all the calls we were getting while we were at work, until I had to pick up and say PLEASE STOP HARASSING US, we are happy with our current loan and we are not going to refinance Tonight we realized that we had a hard inquiry because the agent pulled our credit without our consent, permission or authorization. That is against the law and our rights. How dare you betray and take advantage of faithful customers Rocket Mortgage?!!! 

I have pictures of the text messages and calls to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MT

Complaint narrative:
I have become XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran Amd unemployable. My rating is 80 %, but as stated above permanent and total which pays Amd qualifies me as 100 % because I am unemployable. My other private school loans honored this ( XXXX XXXX ) Amd discharged my loan. Aes told me to apply multiple times Amd denied as they said I was only 80 %. They should be following the same guidelines and they do discharge for XXXX XXXX XXXX XXXX XXXX veterans which I am. Then I applied per them multiple times for forbearance. First time they denied me as they said I did not check the correct boxes, but did as the rep told me. So then resubmitted and they said I was more than 69 days past due Amd would have to bring current to 60 days to be approved. If I wasnt struggling g financially why would I need a forbearance?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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:
Hello my name is XXXX XXXX XXXX, I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am A Victim of identity theft and did not make the change. At this time I need the items be deleted to correct my credit report. I have also reported the theft of my identity to the federal trades commission and have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the following information as soon as possible.

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 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I did go to XXXX XXXX because I was ill but left without seeing any doctor at all. NEVER signed discharge papers I told the collector at Phoenix Financial what had happened but he refused to listen. Instead he wanted me too settle the account at first I agreed to but later declined why should I pay for medical care that was never serviced

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
After careful review of the electronic application forwarded to Credit Acceptance from the dealership XXXX XXXX XXXX, XXXX, NC, I noticed Credit Acceptance changed the APR amount from when I signed the handwritten application of 7 % and after a few weeks the mailed application copy stated 22.9 %. Credit Acceptance can not verify nor confirm that the APR being charged is not an average APR for Car Loans which is Usury due to Unfair and the Illegal Interest Rate at 22.9 %. This APR has caused me harm to my credit report and finances. At the time, my credit scores remain well over 702.

For example, for a Deep subprime car loan ( 300-500 ) is the average APR for used cars up to 20.58 %, my document was changed and forged increasing the APR to 22.99 %. Credit Acceptance can not confirm any different. This is usury that Credit Acceptance can not substantiate. 

Secondly, On XX/XX/2022, @ XXXX XXXX from Credit Acceptance compliance dept called my phone harassing me, when I submitted a cease and desist 2 years ago.

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 2022-03-24 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: GA

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/2022 I deposited a check from my employer XXXX XXXX  XXXX XXXXXXXX XXXX  for the amount {$1400.00} to my bank Ally Bank. On XX/XX/2022 Ally Bank Flagged my account for fraud and locked my out of my account. The same day I sent Ally Bank Verification documents to show that my check was legit as well as a proof of employment. Ally refuses to look at any of the documents I sent them and when I call them for a response they hang up on 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 2022-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am from XXXX. I have savings account in J P Morgan Chase Bank, Ohio US. I stayed US for 6 Years. On XXXX  XXXX end my XXXX XXXX expired and I returned back to XXXX. Now I am unable to operate or close my savings account from XXXX. My phone number given in Bank has changed. I am using phone number in XXXX instead of US phone number given in bank. When I am calling Chase customer support they are asking me to come US and visit branch for closing or operating my savings account. I can not come to US I dont have XXXX  now. Before returning US I checked with chase customer support, they confirmed me that I can operate or close my savings account from XXXX. Now I am stuck I can not operate or close my Chase savings account from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendleton Capital Management
State: MS

Complaint narrative:
XXXX XXXX left a voicemail with information on my phone at work. I returned his phone call & told him I was not allowed to receive personal calls at work. He assured me that my work # was erased from the system. The following week he called my work again after telling me he would no longer contact me at work. 


He initially told me that the settlement about was {$320.00} & then {$290.00} and when I asked for some kind of documentation he would not mail it to my physical address but would only send it to my email. When I received the email it didnt have the new amount on it. 

I will lose my job if I continue to receive calls at work & id really appreciate it if that would stop.

Company response to consumer: Closed with explanation