vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
Transunion gives out 2 different credit scores, one to the lenders who make inquiries and the other to XXXX XXXX. 
I recently tried to apply for a credit card and they indicated that my credit score was to low. 
But when I checked on XXXX XXXX was score was higher, I am in the process of getting my scores back up and not getting approved for credit building cards is not helping much. 
I also have asked for a removal of the collection accounts by XXXX XXXX  due to in fact they no longer own the loan and is being handled by XXXX XXXX, but to this date they have failed to do so.

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 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
My loan was sold/transferred in XXXX. I wrote the new service company in XXXX explaining my property tax bill arrived and was due in XXXX. I emailed them the bill as instructed. I did this several times. I kept getting " we'll get to your email soon '' messages, but this dragged out for months. Several times I got emails that said, " This letter is in reference to your inquiry regarding your taxes received on XX/XX/2021. Please know that we are diligently working to provide a resolution and will send a follow up soon. We appreciate your business. '' Soon never came. I finally called a couple of times and after insisting my problem get addressed, I was transferred to XXXX XXXX. I gave XXXX all my information and was told the bill would get paid. That was on XX/XX/XXXX and the bill was due XX/XX/XXXX. My property tax bill was paid LATE and I got hit with {$19.00} interest fees for being late. I followed up and was told " I have opened a request for this to be paid. The fees will not be charged to your account. I will keep you posted as to when this has been paid. '' Yet a month later, nothing was paid. I finally paid it myself because it's clear this agency is completely incompetent. But I want my money back for their mistake. LET 'S BE CLEAR.. I PAID THE {$19.00} LATE INTEREST. IT WAS NOT HOMEPOINT. I WANT A REFUND FOR THAT PAYMENT AS IT WAS NOT MY FAULT. HOMEPOINT LIED AND SAID THEY PAID THE LATE FEE BUT DID NOT. I HAVE MY CREDIT CARD STATEMENT TO PROVE I PAID IT. I also want service that doesn't take 2 months to get a reply to questions. Ideally, they could sell my loan and just annoy the other customers they have. I doubt they'll change and actually start helping customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I, XXXX XXXX, give authorization to Equifax to move forward with this complaint. I have proof Equifax is in violation of the FCRA, 15 USC 1681L and 15 USC 1681a ( e ). In a previous CFPB complaint XXXX, they had stated that they will undergo an investigation with the original data furnisher. When in fact, an investigative consumer report is to be verified through interviews with neighbors, friends, family, and associates. Equifax has in fact conducted no such interviews. There is also not supposed to be any factual information from the original data furnisher on my investigative consumer report, all pursuant to 15 USC 1681a ( e ). So this could only mean that Equifax is attempting to verify this transaction with non-factual information. No adverse information is to be included in my consumer report during an investigation pursuant to 15 USC 1681L. I have proof in Exhibits 1-6 that Equifax is reporting adverse information before, during, and after all investigations which is a direct violation, making Equifax civilly liable and criminally liable pursuant to 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Social, ID, Identity Theft 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 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation
State: NC

Complaint narrative:
This account appeared on my credit report and I have no knowledge of this account. I have not signed any documentation stating that I know anything about this account. I want it removed from my credit report till signed documentations with my signature is provided.

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 2021-12-20 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Social, ID, Identity Theft 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 2021-12-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.

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 2021-12-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
Equifax is not giving my account the correct scoring. Equifax has my fico score under XXXX where as XXXX and XXXX XXXX have my score around XXXX. This is quite a discrepancy. A collection account was removed from my account and Equifax did not give my account points for that removal. I am requesting Equifax bring my score up to the value of XXXX and XXXX XXXX immediately. They are causing undue harm and anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX allowed my county tax office to cash the same check two times, causing financial harm to me and my family. Details below. 

XX/XX/XXXX - Check # XXXX was cashed in the amount of {$2800.00}. This is cashed as intended for my XXXX winter property taxes. 

XX/XX/XXXX - Check # XXXX was cashed AGAIN over a year later for {$2800.00}. This is a major issue as I'm not sure how a competent bank could allow the same check to be cashed twice over a year a part. 

XX/XX/XXXX - I called Chase to alert them of the issue and dispute the charge. They said it will take two business days to get to fix. This is unacceptable as I made XXXX error. It was Chase 's incompetency that caused this issue to begin with. Waiting at all is unacceptable. Throughout the process of filing the dispute, I was transferred from multiple different departments. Nobody had a clue what I was talking about. The wait time between every transfer was 30+ minutes. I was on the phone for hours and got nowhere. 

XX/XX/XXXX - I called back to confirm the dispute and get an immediate deposit back to my account. I was reassured multiple times by the representative that there was nothing they can do and that my money will be back in my account on Monday XX/XX/XXXX. I asked several times to speak with a manager or someone who can help me. The person was completely unhelpful and repeated that nobody can help me. She ultimately hung up on me after telling me the funds will be in my account on XX/XX/XXXX. 

XX/XX/XXXX - The funds were not in my account. I called Chase again. Only to be told that a dispute was never filed. This is literally impossible. I spoke with multiple people who all told me it was filed and I would get my money on Monday the XXXX. 

Due to the complete incompetency on behalf of Chase and the absolute lack of care and solution focus from their lack luster Customer Service department, I am cancelling my Chase account, paying off my credit card, and taking my business to a company that cares and has customer service reps with common sense. In the meantime, my son 'XXXX XXXX, groceries, XXXX XXXX, and the property tax check for our other house is written against the same checking account. I expect all fees will be covered and a compensation check of {$500.00} for my time be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). 
Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
Hello, 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 charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( XXXX XXXX XXXX XXXXXXXX XXXX ). Because the account name being reported by your company and XXXX are different ( XXXXXXXX XXXX  XXXX - XXXX )., this means the account has not been properly verified. Please delete this account immediately.

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 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
I XXXX XXXX have a debt amount of XXXX with Meridian Financial SVC Timeshare Liquidators LLC. I have never done a time share and have no idea who this company it. It is effecting my credit and effecting my home and means to be able to get things I need to survive in life. The company is not allowing me to dispute this charge. When I contact the company they state the have no account in my name but yet it is on my credit. I am pressing charges and will get a lawyer involved now. I want this off my credit

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 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
I refinanced my home in XXXX. The mortgage company sent me separate checks to pay off my credit cards. I sent these checks to all my creditors including Barclay Advantage Credit Card. I called in advance and asked for the correct addresses. All the checks were applied to my various creditors except Barclay. They're claiming they never received my check. I sent it via certified mail and have a copy of the person 's signature that signed for it. I also have proof that they deposited the check to their account. My complaint is that they never applied it to my account and it's been almost 3 months! I've called numerous times and never get anything resolved. The amount was for {$7400.00}. Please help 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 monetary relief
Consumer complaint received 2021-12-20 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: IL

Complaint narrative:
Equifax is reporting an incorrect last payment date and also the incorrect closing date to an account on my credit report. I know for a fact that it is an error on their end because the other XXXX bureaus ( XXXX and XXXX ) are reporting those two things accurately and they are supposed to be getting their information from the exact same source. I have contacted both equifax and the original creditor several times to try and resolve the issue but neither will help because they both keep saying the information is correct. There is no way that it is unless the other XXXX are wrong or vice versa. In my second dispute letter i asked equifax to delete this account due to innacurate reporting but they refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation