vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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: PA

Complaint narrative:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: VA

Complaint narrative:
My lender XXXX XXXX XXXX XXXX XXXX has agreed to remove all late payments ( 4 ) and the remark repossession redeemed from my credit report. A copy of the attached letter was sent via USPS 45 days ago to all 3 credit bureaus XXXX XXXX, XXXX and Equifax XXXX per XXXX XXXX instructions. To date XXXX and Equifax have not deleted/updated the late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My bank JP Morgan Chase refused to help me to get back the money Ive been scammed. Ive been scammed {$3200.00} if not more and when I spoke with them, my bank have said there is nothing they can do. I did not know they people getting the money were scammers, they have bought my trust completely and slowed me to believe they were legit and I believed. All I want is the money back, this wasnt even my money. This was my sisters money which I was holding onto in my bank account since I dont use this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I filed bankruptcy to save my home from Foreclosure. 

My mortgage was sold from Franklin American Mortgage to Citizens One Home Loans later in XXXX. 

I was not made aware of this sale until aboutXX/XX/XXXX. I was advised to set up an account with their site XXXX. This site does not allow you to make payments. But to apply for relief. Which is fine. I applied for relief for a loan modification at this time. I did not here back. Instead I believe I was out into a forbearance plan without my knowledge. I did not receive a statement for my mortgage until XX/XX/XXXX. At which time I was advised to set up another option for mortgage relief. I again applied for loan modification and received no information. In early XXXX I applied again and again was placed into a forbearance without my knowledge due to COVID. 

I applied again for mortgage relief at the end of XXXX, and in XXXX of this year and XXXX. 

To date I have made 4-5 applications through either mail, fax, and uploading to Citizens dedicated website. I have made several calls to their collections department and am consistently told the department I am looking to speak with is not in and they will call me back. 

At this point I have been placed in several forbearance Lis without my knowledge and every time I call to correct this and set up a repayment plan to begin repaying my mortgage. I am told someone will call me. 

I have never received a phone call. 

I believe Citizens Bank is actively ignoring my requests for mortgage relief weather it be through a loan modification, forgiveness, or simply setting up a repayment plan that is sufficient for both Citizens and myself. I simply want to begin to repay the serious past due amount. So that this situation gets rectified. 

As of this date I log in to the XX/XX/XXXX website and it has all my documents uploaded for 5 months and none of them have been reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: CA

Complaint narrative:
Experian emailed me my usual credit report on XX/XX/2021, saying that my Fico score reduced by 35 points since XX/XX/2021, making it go from good to fair ( XXXX to XXXX XXXX. When I looked at the report, the only changes that it said it detected were all going in the positive direction. I do not understand how it could drop so significantly when my financial activity has been stable if not better. I havent changed it in any negative way. Experian keeps trying to get me to boost my score by paying for more service. It seems like there is some sort of fraudulent activity going on that would make my account supposedly drop by 35 points when my financial activity has been good. Ive tried to contact them with no success because they put you in an email tree and a website tree that you can not escape out of. I would like some help to correct what I believe is erroneous information that is affecting my credit score. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: AZ

Complaint narrative:
XXXX XXXX  is reporting inaccurate information on my credit report. 

1. Different Date Open on credit reports 2. Balance is incorrect. Balance shows {$430.00}, but High credit limit is {$340.00}. 

3. XXXX XXXX wont provide accurate information on contract to validate account. 

4. XXXX wont disclose info to validate investigation results. Say meets FCRA standards but has shown no information to validate. 

5. TransUnion wont disclosure info to validate investigation results Say meets FCRA standards but has shown no information to validate. 

6. XXXX XXXXXXXX reporting incorrect date of last activity, XXXX XXXX is Re-Aging account eah month. 

7. Every month XXXX XXXX change the Date of Last Activity. 

8. XXXX  reporting incorrect information. 

9. TransUnion is reporting incorrect information. 

10. Copy of last 3 credit reports are attached to show re-aging and incorrect information.

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 2021-05-19 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: AZ

Complaint narrative:
XXXX XXXXXXXX is reporting inaccurate information on my credit report. 

1. Different Date Open on credit reports 2. Balance is incorrect. Balance shows {$430.00}, but High credit limit is {$340.00}. 

3. XXXX XXXX  wont provide accurate information on contract to validate account. 

4. Experian wont disclose info to validate investigation results. Say meets FCRA standards but has shown no information to validate. 

5. XXXX wont disclosure info to validate investigation results Say meets FCRA standards but has shown no information to validate. 

6. XXXX XXXX reporting incorrect date of last activity, XXXX XXXX  is Re-Aging account eah month. 

7. Every month XXXX XXXX change the Date of Last Activity. 

8. Experian reporting incorrect information. 

9. XXXX is reporting incorrect information. 

10. Copy of last 3 credit reports are attached to show re-aging and incorrect information.

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 2021-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
The insta loan payment app makes no sense says payment due to renew on a particular date XX/XX/XXXX is XXXX dollars a week later the same thing says to renew on the XXXX is now XXXX it changes day to day but is worded in a molesting way. I have since been put in leg braces due to my XXXX. I have for days told insta loan that I would relinquish the car to them with no answer. I found this odd since they would start calling for payment a day before my due date and 2 to 3 times a day on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
I have been working toward Public Service Loan Forgiveness, and have been working at the same eligible employer ( a public 4-year university ) since XXXX of XXXX. I have been regularly submitting employment certification forms in order to maintain a real-time tally of the number of qualifying payments made toward my total required count of 120. Currently, my payment counts on all but two of my loans are 118 ( the remaining 2 are 119 ) but only 115 ( and 116 for the two outliers ) have been logged as qualifying, and I contacted them today ( XXXX ) about a three-month period XXXX XXXX XXXX that has been left off my totals even though I provided them with an employment certification form for that time frame in XX/XX/XXXX. I was told that those qualifying payments were still under review by an outside entity, and they could not give me a timeframe for when they would be added to my payment count, even though I have submitted employment certification forms afterward that should retroactively reflect my continuing employment eligibility. I am concerned that this will not be resolved by the time I reach my 120 qualifying payment requirement in XXXX, and that this will delay the approval of my final PSLF Loan Forgiveness application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 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: GA

Complaint narrative:
I Financed a vehicle through XXXX XXXX XXXX. the Loan was completely paid off in XX/XX/XXXX and account was closed..Experian is reporting that the account was discharged in Bankruptcy. I did not file Bankruptcy and there is no Bankuptcy on my public record. This is the incorrect information that Experian is reporting. I spoke to XXXX and they told me that they are not reporting that status to Experian. 
XXXX XXXX XXXX Account Name XXXX Account Number Auto Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$27000.00} Original Balance {$0.00} Highest Balance 84 Months Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have a second mortgage that is over 10yrs old the mortgage company I initially signed papers with in XXXX charged off the account after I fell behind on payments in XXXX. However, before I fell behind I requested to refinance the loan an application was taken my home was appraised and the company known as Springleaf Financial who did a name change to Anerican General Financial Services then. The company results of my Refinance application was Denied I was told because I didnt meet Demographics I always felt I was discriminated against but did not know how to fight it .... Fast forward another company XXXX XXXX XXXX  have bought the loan and is talking foreclosure. My question is can I fight this loan based on I felt I was discriminated against when I requested to Refi the loan in XXXX for a more Affordable payment and was told I didnt qualify because of Demographics ( What does this disqualification mean ). Although in the same year I refinanced my Primary Loan and it was approved. The second mortgage loan was for {$26000.00} at XXXX monthly. This company who bought the loan after charge off XXXX XXXX XXXX  state I owe them {$60000.00}. Is this legal. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
As you could see from the settlement letters, all the following accounts have been paid and settled. There should be a zero balance on the accounts. However, the companies reported balances to the credit bureaus causing my Credit Fico score to suffer a lower status. The lower Fico score will keep me from obtaining lower rates, qualifying for home opportunities, cause higher interest rates on car buying opportunities and could even prevent me from gainful employment in some cases. Especially during this pandemic, work is essential and Better Credit Fico scores open doors for better opportunities. I am being restricted from those better opportunities while the following companies report incorrect information regarding my accounts. Please review the settlement letters below and dispute with the companies. Thank you : 1. Capital One Bank ( Credit Card ) Account XXXX Status : Paid {$2100.00} on XX/XX/2021 as Settlement in Full. Balance should be {$0.00}. 
Judgement in court satisfied XX/XX/2021 as seen in the documents. 

2. XXXX XXXX XXXX XXXX, XXXX XXXX Account XXXX Status : Paid {$790.00} on XX/XX/2021 as Settlement in Full. Balance should be {$0.00}. 

3. XXXX XXXX XXXX XXXX XXXX Car loan ) Account XXXX Status : Paid in Full as of XXXX XXXX. Balance should be {$0.00}. 

4. XXXX  XXXX XXXX XXXX Credit Card ) Account XXXX Status : Paid {$670.00} on XX/XX/2021 as Settlement in Full. Balance should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have been a customer with cash app for over 6 years, have used their services plentiful. On Tuesday, XX/XX/XXXX, I went to an atm and the machine was faulty and did not dispense cash. I opened a claim and as of Sunday, XX/XX/XXXX I was credited back. Today i attempt to purchase and send bitcoin as I have done now for over a year and was flagged and closed today without explanation. This was normal activity to buy sell and send.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TX

Complaint narrative:
Duplicate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX They are reporting my auto loan twice on my credit report, it is listed slightly different but it is the same loan and same account for the same car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: MI

Complaint narrative:
On XX/XX/2021 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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-05-19 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: MD

Complaint narrative:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX -- -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX XXXX : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
from (? ) 2019 ( possibly earlier? ) through XXXX there have been several unauthorized transactions on my direct express card. somehow the money was taken through local atm withdrawls that i have never been to and have never gone to. all of the money was stolen from the same few atm 's. this card is how i receive my XXXX payments for ssi, and the money is from the social security administration and the u.s. dept. of the treasury. i can not get my account history from direct express or comerica bank, but i estimate the damages to be at least {$5000.00}. i am unable to dispute or investigate this matter since comerica bank and direct express will not allow me to access the account history and wont stop giving me a runaround. there is no way to speak to a live person on the phone, the automated system is designed to silence and ignore you. any attempt i have made for a resolution has gone absolutely nowhere. i want answers, i want it investigated, i want my stolen money to be reimbursed, and i want direct express and comerica bank to be held accountable for mishandling both my money and the crimes that have been commited against myself, the federal government, and u.s. taxpayers!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: GA

Complaint narrative:
I Financed a vehicle through XXXX XXXX usa. the Loan was completely paid off in XX/XX/XXXX and account was closed..XXXX is reporting that the account was discharged in Bankruptcy. I did not file Bankruptcy and there is no Bankuptcy on my public record. This is the incorrect information that Experian is reporting. I spoke to XXXX and they told me that they are not reporting that status to Experian. 
XXXX XXXX XXXX Account Name XXXX Account Number Auto Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$27000.00} Original Balance {$0.00} Highest Balance 84 Months Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/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 2021-05-19 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I Financed a vehicle through Santander Consumer usa. the Loan was completely paid off in XX/XX/XXXX and account was closed..XXXX is reporting that the account was discharged in Bankruptcy. I did not file Bankruptcy and there is no Bankuptcy on my public record. This is the incorrect information that Experian is reporting. I spoke to Santander and they told me that they are not reporting that status to Experian. 
SANTANDER CONSUMER USA Account Name XXXX Account Number Auto Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$27000.00} Original Balance {$0.00} Highest Balance 84 Months Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief