vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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: SC

Complaint narrative:
I noticed that there a inquires on my credit report that I did not authorize. I have never applied to these companies and have not given verbal or written authorization for anyone to review my credit report. I have completed a police report & identity theft report and I want these things deleted. I notified Transunion about this months ago and they have not done anything at all. I am attaching the documents in hopes that you can help me get these things gone from my 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 explanation
Consumer complaint received 2021-07-07 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: NY

Complaint narrative:
All I am asking in accordance with the fair credit reporting act I am pleading with Experian to investigate said claim : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Please call as you will find I never applied for credit at this company nor did they request a copy of my credit report. Nor do they have record of my ever applying for anything

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 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime Bank took {$260.00} out of my checking account stating it was to pay my SECURED visa card with them. As the money I used on my Visa card was mine, they should not have taken this money. When I first opened the account, I was assured that this would not happen to me. I called & was told that it was not in error. I send many emails about this & only received form emails back. They refuse to refund my money & so I can not dispute this error, they removed the withdraw from my account. As I live on Social Security, I advised them I needed every dollar. I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MORTGAGE CLEARING CORPORATION
State: OK

Complaint narrative:
I filled a CHAPTER-XXXX  BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " MORTAGE CLEARING CORP '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed. 

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: LA

Complaint narrative:
In XX/XX/2021 I received a collection notice for {$410.00} from EOS CCA for a XXXX XXXX account. A settlement was reached for a payment of {$310.00} which was paid on XX/XX/2021. However Im receiving phone calls and letters from XXXX XXXX XXXX XXXX trying to collect the remaining {$100.00} XXXX. Ive explained to them on several occasions that a debt settlement amount was offered by EOS CCA for {$310.00} to close the account and had been paid. However XXXX  XXXX XXXX. continue to harass me stating that I still owe the remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: UT

Complaint narrative:
I have sent out disputes to the bureaus and I have received no letters or calls or anything from them. I have inaccurate items reporting on my file that need to be removed. I will upload the most recent letters I sent but there have been others. Please fix immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have sent out disputes to the bureaus and I have received no letters or calls or anything from them. I have inaccurate items reporting on my file that need to be removed. I will upload the most recent letters I sent but there have been others. Please fix immediatley.

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 2021-07-07 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: GA

Complaint narrative:
Traded in vehicle and the finance back was XXXX XXXX, there is over {$300.00} left on the vehicle and they updated on XX/XX/XXXX to XXXX but the car was already traded by then and it should be showing the {$300.00} amount

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 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I have a mortgage with Community Loan Servicing, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX. My loan number is XXXX. I have never had a late payment. On XX/XX/2021, I paid electronically the {$2600.00} monthly mortgage payment due XX/XX/2021. They e-mailed receipt of the payment, and it was deducted from my bank account. At that moment in time, we were even. Then on XX/XX/2021, I mailed a separate personal check for {$50000.00}, and wrote across the top of the check PRINCIPAL PAYMENT ONLY. I enclosed a two line letter which read Please apply this entire {$50000.00} to PRINCIPAL ONLY for account XXXX. Thank you! 

But that is not what ensued. Community took an interest-free loan of two months forward payments ( due this coming XX/XX/XXXX and XX/XX/XXXX ), indicated my next payment was not due until XX/XX/2021, and applied only {$44000.00} to my principal. I mentioned this to my wife who reminded me that this had happened several years ago when I tried to make an extra {$10000.00} payment to principal. 

I telephoned Community ( XXXX ), finally got to escalation, and talked to XXXX XXXX who said when a check is received and assigned to principal, the programming automatically deducts the next two months forward mortgage payments. She did not know why the glitch existed, but said she would rectify my account, and that in the future any payment I make to principal should be discussed with a live agent. 

I ask if this malfeasance should be tolerated. Ultimately, they are in accordance with the terms of the mortgage, and one can prepay principal, but only after they intentionally try to get away with something. As a consumer, I spent over an hour on the telephone trying to rectify my situation. Are they allowed to put me through all this to prepay principal? And how many of their other customers just let it slide and give them the interest-free two-month loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
I requested Information verifying this debt, but never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I mailed letters to both XXXX  and Equifax on XX/XX/2021 disputing the XXXX XXXX account for the second time. They have been unable to validate the account or provide me with the necessary documentation. XXXX  has removed this account from my profile as a result of the inability to validate it. XXXX  has previously removed it and has since relisted it without notifying me properly. 

Additionally, this account has now become part of a Multistate Settlement providing relief to accounts with this. company during the time period the account is listed for. I have provided both bureaus with documentation of this settlement and the relief they've already sent. Still, I have not been provided with any documentation from either bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I pay my credit card bills in full each month. The business-card statement with a payment due date of XX/XX/XXXX was paid prior to its due date IN FULL, after I reported approximately {$5100.00} ( out of {$11000.00} ) in fraudulent charges to Chase ( XX/XX/XXXX ) and asked for new cards ( my wife is the only other authorized user ). Several of the charges included on the XXXX statement included charges made in person, even though my wife and I were travelling out of state ( we provided evidence to Chase ). I have been asking Chase to send me a corrected bill since that time ( late XXXX ) and the matter has not been resolved. Chase keeps sending me obscure and inaccurate documents removing some small fraudulent charges but not all. Chase has yet to provide me with any explanation of their investigative results ( " You received benefit from the transaction. '' ) Chase keeps reversing credits previously given, and adding interest and late fees. The XX/XX/XXXX statement included previously-stated fraud and yet was paid in full. The XX/XX/XXXX showed a {$790.00} credit after the payment and fraud that were reported, less {$4300.00} in charges, several hundred dollars of which were fraudulent, occurring while we were travelling out of state. The XX/XX/XXXX statement, which we paid in full before reporting + {$1000.00} in fraudulent charges made while we were travelling out of the country, was much of the same. We did not notice any fraudulent activity until the XX/XX/XXXX statement arrived, with thousands of the reported fraudulent, and previously credited charges, reversed. None of the statements received since then have been correct, and the repeated phone calls, certified letters, faxes, and emails have resulted in any solution. Chase has reported me to the federal credit bureaus, damaging my once stellar credit rating. These charges I reported to Chase were not made by me, nor by the only other authorized user, my wife, nor by anyone with our permission to do so nor with our knowledge. Nearly 2 years later, the matter is unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I disputed a erroneous name reporting on Experian credit report which is XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX, NM XXXX. EXPERIAN responded on XX/XX/2021 with an XXXX XXXXXXXX reply saying that I need to investigate who creditor is reporting that name and contact them directly. sorry EXPERIAN but that is your job not mine EXPERIAN YOU ARE THE ONE REPORTING INACCURATE INFORMATION NOT ME you need to investigate and provide me as the consumer with your METHOD OF VERIFICATION which I am allowed to ask according to section 611 of FCRA I want to know : Which creditor you talked to, name of the person you talked too, what prove they provide to verify thats this is me indeed what do they have please send a detail list of the people you spoke too during this investigation thx.

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 2021-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: SC

Complaint narrative:
My escrow had been thrown off due to taxes and insurance being incorrect. After fixing the issues within hours of the problems arising, it has been nearly 7 months and the issues have not been fixed. The bank Ameris Bank has raised my payment nearly {$300.00} the original Payments. Now, after having done the escrow analysis several times, and now issuing a refund check ; they still have not lowered my payment to the correct amount and expect me to pay the elevated payment. They know the payment is incorrect but refused to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: TX

Complaint narrative:
MRS BPO , LLC never contacted me but reported {$61.00} to all three credit bureaus - XXXX XXXX and XXXX XXXX and XXXX  have removed the collection, per my complaint. XXXX  has not removed the collection, to date. 

Original creditor, XXXX received their equipment on XX/XX/2020 ( Device XXXX and Device XXXX ) at the XXXX store # XXXX at XXXX XXXX # XXXX, XXXX, TX XXXX XXXX TRACKING # XXXX XXXX SHIPMENT ID : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
For 6 months I have been disputing inaccurate information on my credit reports. From what I can tell my letters were never even opened because I did not receive results in the mail.

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 2021-07-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reached out to Experian to discuss the fact that my utilization went from 80 % usage down to 24 % usage and they decreased my credit score by 11 points. While XXXX  and XXXX  increased my score. Upon discussing this issue with a representative and asking to speak with a manager the representative disconnected the call. I attempted to call back and was placed on hold and then disconnected again.

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 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: WA

Complaint narrative:
To whom it may concern ; While checking my credit, I came across an account that states " it is closed ''. I called the Company, the first woman told me the " account '' has been sold to XXXX XXXX XXXX She transferred me over. I spoke to a woman on XXXX XXXXXXXX XXXX, she got a new address from me and said she would mail me a letter with information in regards to this account. She did keep repeating that the account was open and I owed {$980.00}, but the she also mentioned the account was for {$750.00}. 

I called Discover Bank and XXXX on XX/XX/2021 around XXXX. 

I have yet received any information in regards to these accounts. 

I called discover bank again today, XX/XX/XXXX, the Woman I spoke to was XXXX " XXXX ''. She mentioned they do not do reference numbers. I asked if she'd be able to sent me anything in regards to this account that they say is mine. XXXX mentioned they do not do that and that I can ask over at XXXX XXXX XXXX 

It has been well over a month, and yet I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: P.S.C., Inc
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: FL

Complaint narrative:
I have sent Equifax several dispute letters with verification documents that confirms my Identity Theft status such as police reports. Last letter sent was mailed visa USPS certified mail on XX/XX/XXXX and received by an Equifax employee on XX/XX/XXXX at XXXX in XXXX XXXX GA XXXX. This was signed for by the employee ( see attached documents ). There has been several inquiries on my report that are fraudulent as well as a new fraudulent account and incorrect balances on another account which was closed. The following inquiries and accounts are fraudulent and Equifax refuses to remove them despite my fraud alert and identity theft case. 

XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Report Date : XX/XX/XXXX The following has a incorrect inaccurate balance which was last reported on XX/XX/XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX. 

This information is invalid, inaccurate and fraudulent and its affecting my credit score and preventing me from obtaining the necessary credit needed. Equifax has been contacted several times including phone calls, online disputes and mail-in disputes but they have refused to remove this inaccurate information from my credit report. This is a direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
For 6 months I have been disputing inaccurate information on my credit reports. From what I can tell my letters were never even opened because I did not receive results in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: AmeriCollect
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation