vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: CA

Complaint narrative:
On XX/XX/2022 I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation.

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian markets their Experian XXXX feature to improve your FICO score. They say you can use streaming services as a metric for increasing credit scores. I have been paying XXXX premium since XX/XX/2018. They say they can't find a service to attach from my connected bank account to use to increase my score. This is false advertising and deceptive business practices. I also paid for the enhanced membership. This is just a gimmick to defraud XXXX and XXXX communities who are already marginalized in the area of credit reporting.

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 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
FCR Collection Services ( Account Number XXXX ), called me over a hundred times over the last 2 years for a debt that is not mine with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Lic # XXXX. I have never done business with these people. I have told them many times to stop calling & to put me on the Do Not Call list but day after day the call & email me. They never mention an amount owed & refuse to give any details. I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX & I want them to cease and desist any & all communication to include but not limited to phone, email, mail & text. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WFDS ... aka Wells Fargo is continuing with the systemic institutional racist oppression tactics, and racial inequality treatment improperly ordering a unauthorized hard credit inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.

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 2022-02-09 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: NY

Complaint narrative:
I have sent numerous Messages in writing via USPS certified mail to each credit reporting agency indicating inaccuracies on my credit report. XXXX XXXX finance has been contacted by the dealer that leased me a vehicle to have these items removed from my report and nothing has been done to date. XXXX XXXX XXXX have been on deferment and have been current to date. Latenesses should have been removed as I have requested many times in writing. Unauthorized hard inquiries where my information was not verified should not be on my report. Inquiries for credit cards where my information was not verified and no new credit was obtained should be removed from 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 non-monetary relief
Consumer complaint received 2022-02-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent numerous Messages in writing via XXXX certified mail to each credit reporting agency indicating inaccuracies on my credit report. XXXX XXXX finance has been contacted by the dealer that leased me a vehicle to have these items removed from my report and nothing has been done to date. XXXX Student Loans have been on deferment and have been current to date. Latenesses should have been removed as I have requested many times in writing. Unauthorized hard inquiries where my information was not verified should not be on my report. Inquiries for credit cards where my information was not verified and no new credit was obtained should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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:
On XX/XX/2022 at XXXX p.m I made a phone call to Transunion in regards to a dispute that states that accounts are accurate and remain will remain on my credit report. The associate that i spoke to by name of XXXX XXXX stated that within their investigation they reached out to the creditor ( debt collector ) and they informed Transunion that my social security number, my phone number, name and address belongs to me and that the account and debt is mine. So in end result Transunion used that as a method to determine that account is verified and accurate. I explained that the debt does not belong me and that these debt collectors are required by the Federal Law to consent with me in regards to information being reported on my credit report. All she said was i am sorry. I gave her the federal law 15 usc 1681 ( a ) ( e ) that states that a investigation should be conducted by contacting neighbors, associates, and family and I asked XXXX XXXX if that was done and she said no. She explained that they only reach out to the dent collector. After that conversation I spoke with the Supervisor XXXX XXXX at XXXX with the same concern and nothing was being done to resolve my issue. I also explained that I have dispute on my credit report because a bank forged my signature without my consent. I told XXXX XXXX that i have proof of it with supporting documents. I asked him what if XXXX XXXX lies and say that the information i state is not true what would be the end result? The supervisor XXXX XXXX said then they would end the dispute and mark the information as verified on behalf of the bank. Transunion does not care about the consumers and they break the federal law all the time.

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 2022-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I was misinformed by XXXX XXXX/navient about my options for repayment as well as the removing of my co-signer, it was at this time my co-signer was forced to pay XXXX to be removed as co-signer by threatening to take theyre home. I was also permanently XXXX and on XXXX a bankruptcy judge discharged this debt due to the financial burden this would place on me and my family. I have spoken with navient many times and explained this to them they state that the loans can not be discharged through bankruptcy and continue to harass me through constant letters and reporting this to the credit bureaus thus causing more financial distress to me and my family. I have been deceived by my school as well as XXXX XXXX/navient. After learning of the ongoing lawsuit against navient I truly believe I should be included in the lawsuit against navient. I was never offered an income driven repayment plan I was always pushed for more payment than I could afford so I ended up defaulting and being charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: GA

Complaint narrative:
attached isa offfial copy of my chapter XXXX bankruptcy discharge date and time XXXX number from the judge who discharged my bankruptcy XX/XX/XXXX XXXX proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, my mortgage servicer, Dovenmuehle Mortgage , Inc., a servicer for XXXX XXXX sent a duplicate hazard insurance annual premium payment in the amount of {$1100.00} from my escrow account to my insurer, XXXX XXXX. This is a duplicate of the payment of {$1100.00} that they sent XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX alleges to have sent the {$1100.00} back to Dovenmuehle Mortgage , Inc., a servicer for XXXXXXXX XXXX. 

To date, Dovenmuehle Mortgage , Inc. has not properly credited my escrow account for the {$1100.00}.

Dovenmuehle Mortgage , Inc. was not authorized by me to send the duplicate annual hazard insurance premium to XXXX XXXX. They appear to have no interest in crediting MY money back to my escrow account because of their negligent error. 

I have dealt with mortgage servicers since XXXX, and Dovenmuehle Mortgage , Inc. is no doubt the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
Heartland ESCI sent my XXXX loan from the University of Washington to a debt collection agency on XX/XX/XXXX while the CARES Act forbearance was in effect. I received noticed XXXX that my account was in bad standing despite receiving two e-mails on XX/XX/XXXX stating that due to Covid-19 relief my account was placed in automatic forbearance until XX/XX/XXXX and no payment was due. I received no additional communication regarding my account, including payments necessary, until the acceleration e-mail on XX/XX/XXXX. All attempts to contact Heartland ESCI have immediately routed me to the collection agency XXXXXXXX XXXX XXXX. This seems illegal and incredibly predatory as it is now negatively affecting my credit as I try to deal with an account that should not have been sent to collections, if not because of the CARES Act then their own written communication to me. My account, according to them, would not have been in bad standing until I missed a payment on XX/XX/XXXX but it was accelerated on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( XXXX XXXX XXXX XXXX XXXX ) . The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( XXXX XXXX XXXX XXXX XXXX ) . The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( XXXX XXXX XXXX XXXX XXXX ) . The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX my wallet was stolen which contained all my personal valuables including my bank cards and identification cards. 
I did file a police report and reported to the fraud dept of Bank of America. 
Bank of America is not helping to fix this issue as my credit card was used to purchase items worth over a thousand dollars and Bank of America is saying I have to be responsive for that payment made from my stolen card.

Bank of America claims credit cards have pins and my pin was used on purchases but my credit card has no pin.

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 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Started a refi, initiated by Freedom Mortgage, our existing company, on XX/XX/21. Numerous roadblocks and hurdles, some of which make sense and some are a mystery to me. Received someone else 's paperwork via mail during process. Call placed by workers apparently working from home, using cell phones not connected to company, who introduce themselves and ask for private info so I can prove who I am. When I refuse and call the main line passed from person to person without end. Refi still not done. Told today via email that I must pay off my HELOC with another company because Freedom Mortgage will not honor subordination agreement from my credit union ( standard agreement that credit union states they have used many times with this company and others ) because Freedom Mortgage wants the subordination agreement to say that the mortgage agreeement can increase to an unspecified amount because " of the CARES Act ''. I've tried to reach someone at Freedom Mortgage to ask for more information and have been unsuccessful. 
Biggest concerns : Shared someone else 's personal financial information with me Ask me for my information on a " unsecured line '' Unprofessional communication/passing me from person to person and giving reasons that don't make sense...

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 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: CA

Complaint narrative:
This is the third or fourth time Tate & Kirlin Associates , Inc has tried to collect money we do not owe. This time for XX/XX/XXXX account for XXXX XXXX in the amount of {$110.00}. 
Reference XXXX on XX/XX/XXXX. 

We did not contact them as we do not think it is wise. You have taken care of the previous times Tate & Kirlin has done this. 

Tate & Kirlin Associations , Inc. 
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX filed an identity theft report on with the Federal Trade Commission. My cell phone, bank accounts, credit card accounts, transunion account, email accounts were all compromised. You can ask my credit card lender XXXX bank. Ask XXXX for charges on my account from California. All 3 Credit Agencys had my name wrong. I have sent birth certificate, marriage license, pass port. Yet till this day transunion will not correct my name. a collection for a XXXX on my account from XXXX on my account saying I owe them {$23000.00} A XXXX XXXX XXXX bill for a doctor from the emergency room. XX/XX/XXXX. The patient admitted to the hospital that day under my social security number was born XX/XX/XXXX All 3 credit Agencys would deny me access to my file. 
XXXX was denied information from TransUnion on a email address they had on file that was not mine. I never had another email with transunion other then my current one. 
I have credit applications for the same company days, weeks apart. Really losing hope

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX files a claim on my behalf to my credit card ( chase sapphire ) which has an insurance benefit. The windshield cracked on the car while it was parked overnight at a family members home in Tennessee. XXXX sent me a letter on XX/XX/XXXX stating they had submitted the information to the insurance company. A company titled XXXX has sent three emails requesting the same information sent to them by XXXX and is requesting my credit card bill. I forwarded the same documents as enterprise but continued to get a same response but this time requiring a billing statement with my credit card information. The email does not match the name of the company. XXXX. Additionally, the website referenced in the letter from this company does not work. I tried on several browsers and computers and on different wifi accounts in the city I live in. The website also does not match the companys name - XXXX. I feel this is a fraudulent company and if it is not a fraudulent company, I shouldnt have to submit documents more than once. If they are through my credit card-they should already have my billing statement. XXXX has also verified the credit card was used and so has Chase. I have not received any paper mail from this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 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: GA

Complaint narrative:
I have new and updated information regarding my consumer report. 

I have previously disputed alleged accounts for XXXX XXXX XXXX XXXX XXXX XXXX, and Department of Education however, Equifax alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Equifax or any creditor possesses the power to verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX. Department of Education XXXX. XXXX XXXX XXXX XXXX XXXX XXXXk XXXX. XXXX XXXX. 

Also the following inquires must be blocked and deleted as they are not accurate : XXXX. Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation