vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
In the beginning of XXXX my wife and I began an XXXX XXXX XXXX When COVID happened our suppliers were unable to send any items so we were forced to close down. I called my lender and received a forbearance plan. At the end of the forbearance plan, I was offered a modification, however my income had not fully recovered and I could not afford to resume payments. I missed the modification deadline and it was closed out. I was then told that I had to send in a full documentation package for modification review. The review began and seemed to be going well. When I was told a hardship letter was missing it was sent in XX/XX/XXXX, I have attached for review. Today I spoke to XXXX XXXX ID XXXX. XXXX XXXX told me the review closed out on XX/XX/XXXX for missing document ( hardship letter ) and that the loan had been referred to foreclosure. I feel this is unfair as now I am accruing legal fees when I was attempting in good faith to resolve this situation. I asked for the missing documents letters be resent via fax or email, XXXX XXXX refused. I asked for a supervisor, XXXX XXXX refused. I was told I had to speak to their attorney, I asked for contact information to do that, XXXX XXXX refused. This now begs questions : 1. After the first VA streamline modification did not go through, why was I not offered a second chance at a streamline since my hardship was not resolved. I would like to know the reason my lender sent me a modification before I was able to pay. 2. The hardship letter was sent on XX/XX/XXXX so why did this review close out. 3. Is XXXX XXXX correct and the position of my mortgage company is to refuse to send proof of communication, refuse to allow me to speak to a supervisor and while a file is referred to foreclosure but before an attorney files a Notice of Appearance, is the file in limbo where Truth in Lending does not apply? I have done everything on my end to resolve this without involving the courts and legal fees. I believe I have a right to disagree with my lender 's decision and I am unable to speak to anyone to try to find a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Chase Business Complete Checking Acct. Since XX/XX/XXXX, the account has been charged a monthly fee of XXXX for " Financial Management Software. When it started showing up I originally thought it was some fee that Chase was tacking on but eventually realized there shouldn't be charges as have enough money in all my accounts to avoid fees. Meanwhile, through two bouts of XXXX and several years of XXXX treatment at XXXX XXXX I let some of this lapse ( I am XXXX ). 

I spoke to my agent at the bank in XX/XX/XXXX and she told me to call the phone number associated with this account. I finally did, about two weeks ago and got through to a chase employee who agreed the charges were a mistake and removed four of them ( he person said they could only go back 4 months ). I was also promised that the fee would be dropped. ( It did show up again ). My branch supervisor removed the fee and suggested I speak to someone at Chase to try to get back more of the mistakenly charge fees. This morning, I spend 2 hours on the phone and to no avail, although one agent said I could institute a dispute for the charges. It was impossible to find someone who would start the complaint process. 

The agents kept getting more defensive and refused to tell : me : 1. When this charge was instituted 2. Who did it?

3. What it was for. 

My bank manager refused to share what she was writing about our conversation and became angry telling me it was against state law to give me any additional money back. I responded that the money was less important than finding out how the mistake was made. She said she couldn't tell and suggested I go back into the phone network which had wasted my 2 hours this morning. 

I'm sorry this is so long, but can you help me? Incidentally, I wouldn't mind getting my money back, but more important is what is being hid. I suspect more clients are getting this fraudulently than just me. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CA

Complaint narrative:
I just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXX XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX  ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Retailer ) XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Retailer XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank )

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 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lendgo, Inc.
State: WA

Complaint narrative:
I received an email from a company called " LendGo '' that said refinance rates as low as 1.99 % were available with no fees. I clicked on the website and input some general information and submitted it. My phone almost immediately lit up with calls from mortgage lenders. None had rates below 4.6 % and a couple pf them had the grace to laugh at the 1.99 % rate that LendGo was referencing. 
So, while I was not harmed personally, I think that this company is using false advertising.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have repeatedly tried to lift a freeze my Transunion credit report online. Every time i check the site, it is unable to determine the status of the freeze on my report. Every time I have to call customer service.

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 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX POSTED AN UNAUTHORIZED INQUIRY TO MY REPORT ON XX/XX/2022.

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 2022-08-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXm XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-02 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: NV

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX and 60 days in XXXX XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XXXX XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

XXXX. XXXX  XXXX Account Number : XXXX 30 days late on JXXXX XXXX, 60 days in XX/XX/XXXX, XXXX XXXX 90 days late in XXXX XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXXEAccount Number : XXXX days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX  XXXX Account Number : XXXX days late in XX/XX/XXXX, XXXX XXXX XXXX and 60 days in XXXX XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXXXXXX30 days late in XXXX XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXXXXXX XXXX XXXX ( Bank ) XXXXT ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXXXXXX ( Bank XXXX XXXX ( Retailer ) XXXX ( Bank ) XXXXXXXX XXXX XXXX  ( Bank )

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 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$840.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: NV

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX XXXX  account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been submitting a collection account dispute with Transunion. I have successfully disputed this creditor with XXXX and XXXX and it has been removed from both of those credit reporting agencies, explaining I had no idea who the debt belonged to and that I have never heard of the company. I received a letter from Transunion stating their findings concluded that the collection was " valid '' and would remain on my report until XX/XX/2025. I called their consumer help line and and requested they provide me with the documentation they received from the debt collector to verify that in fact the account was valid. After 20 minutes on the phone with a representative and getting no help in having them provide anything from that collector I asked for a supervisor. After another 20 or so minutes going around and around with him, his bottom statement was simply " we do not investigate per se, we send an electronic request to the debtor to verify they have your information and that is the extent of what we do, and therefor you will have to contact the company and find out what the collection is for. All I can see is that it is a bank, ( one I never heard of or that exists in NY ) and was with XXXX collection company that wrote it off and then sold the current collection company, which they are allowed to do ''. I also told him that had an address on there that I have never lived at and also put that in my original disputes to be removed and that also has not been done. Transunion is severely negligent in doing a thorough investigation and in deciding on their own that sending an electronic request is sufficient enough to keep this collection on their credit reporting. IT NEEDS TO BE REMOVED ASAP!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief