vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX and Experian will not remove a debit that yet have validate verification they just keep stating updated with out verification a collection XXXX XXXX for XXXX was on my credit last year and removed and now added back I have no knowledge of the account and dot believe its mines XXXX recently had a breach in selling customers identity. I will like this account removed

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 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
One of the debt is paid off I contact the number on file but can not get anyone. When I paid the debt it was agreed to be place off my report. Account # XXXX. These accounts is negatively affecting my credit score and I would like it taken off 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 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2013 with a balance of {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2017 with a balance of {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2012 with a balance of {$39000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: IN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Purchased an airline ticket with points. They told me about a change and provided the option to respond by email. which I did twice. I called them XX/XX/XXXX and ask to respond to me by email. they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 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: FL

Complaint narrative:
Talked to XXXX and reported that my info was compromised with XXXX XXXX. I never apply for money over internet nor give my social

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 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
This is the complain against Better.com or Better Mortgage company. They are not honoring the interest rate that I locked. This is not due to any change in my financial condition or credit score or employment. During underwriting, I was made aware that they can not provide rate that I locked and asked to chose the option that was more than initially offered. The worst was they were not even honoring the published rate in XXXX. They were not ready to negotiate. I am closing in a week and the timeline does not work well for me to start over. I just wanted to share this with other dealing with Better.com. Just locking the rate with them does not mean you will get it and the end and just be prepared for surprises. Please be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2013 and the balance of {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Trans union and XXXX  will not remove a debit that yet have validate verification they just keep stating updated with out verification a collection XXXX XXXX for XXXX was on my credit last year and removed and now added back I have no knowledge of the account and dot believe its mines XXXX recently had a breach in selling customers identity. I will like this account removed

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 2021-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
I was going to buy a house and they pulled my credit report and it showed my credit score went way down and it showed it was because I was charged interest on my student loans during the pandemic which it was supposed to be 0 % interest. I found this information out after my loans had been transferred to a different loan servicer. I have tried to contact XXXX to no avail. When I call MyFed Loans they originally said I had to call XXXX. I requested a report from MyFed Loans to see if they could tell when I was charged interest, it took over 8 months to get this information and then they did not want to assist me to get this corrected. 
I have contacted MyFed Loans at least 4 different times and no response back from them. Now I understand that MyFed Loans will no longer be my servicer so now I don't have any way to have this corrected. It is really upsetting that this made my credit score go down and it hurt my house hunting. 

What/who can I contact to get this corrected? 
Dates in question are on all my loans between XXXX to XXXX. 
The hardest thing to get anyone to understand is that XXXX charged the interest but my servicer is not MyFed Loans, so who do I report ( BOTH? ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a phone call from a XXXX XXXX from XXXX on Wednesday XX/XX/XXXX, stating he was calling from a law firm XXXX XXXX XXXX XXXX. He advised I would be getting served court papers regarding a debt he stated I owed to Bank of America in the amount of {$2400.00} from XXXX. He also included the company had sent out multiple letters regarding the debt and could settle for {$500.00} in which I had no regulation of the debt but I stated I could Pay {$370.00}. I called him back Thursday XX/XX/XXXX to try and get some information on the debt he stated I owed because I did not want to be taken to court as he stated and was told the law firm has already done their due diligence and did not have to provide me with any proof at this time and if I did not pay today they would pursue the process and take me to court. I then paid the {$370.00}. I am now upset because I feel this was very misleading and I was taken advantage of. I am unable to find this company anywhere.

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 2021-09-03 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: IN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I keep my reports locked. I have no issues unlocking my reports from XXXX  and XXXX. Hop online verify my information and boom done. With Equifax the past four times I've tried to unlock my reports I receive a message to 'give us a call. ' Every time I call them I sit on hold for an hour to verify my identity and they try to sell me their credit monitoring services. I should not have to waste an hour of my day listening to a sales pitch to have them unlock my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XX/XX/2021, I initiated a credit sale through XXXX XXXX to get a car. Ally financial ran my credit, making it a consumer credit transaction, the finance charge being the cost of the car and all associated fees which were paid with my credit card ( social security card ). I went into XXXX XXXX on XX/XX/XXXX and they tried to collect cash payment from me on behalf of ally financial in a consumer CREDIT transaction which is illegal. Also, there was no adequate disclosure given for the fraudulent loan they tried to get me to agree to. If the car that my credit was ran for is not granted to me then fraud has been committed pursuant to the TILA.

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 2021-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
CCFI FUNDING , LLC DBA CASH CENTRAL, INSIGHT CAPITAL THIS IS A CHECK CASHING COMPANY AND THIS IS THE SECOND TIME TAHT THEY ARE REPORTIG ME TO THE DEBT COLLECTOR BY MISTAKE., LAST TIME IT COST ME XXXXPOINTS ON MY CREDIT REPORT.I 'M A BUSINESS OWNER AND MY CREDIT SCORE ISABOVE XXXX.I DID TRY TO FIND OUT WHAT IS HTE DEBT FOR BUT THEY KEEP HANGIGN UP THE PHONE ON ME.I 'VE ALSO CONTACTED THE .XXXX  OF LAST YEAR I'VE REMOVED THE COLLECTION REPORT FROM MY CREDIT REPORT AND THIS YEAR ONCE AGAIN SAME COMPAY IS UISNG ANOTHER COLLECTION AGENCY ( WITH ALMOST THE SAME NAME ) FOR THE SAME AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
For the past 10 months I've been getting calls from the SLS customer service. I've spent at least 12 hours trying to correct.

2 calls a day, 6 days a week.

They've penalized me for not having insurance, which I have, and have provided support based on their request.

They're penalized for a payment, which I've never missed. I've provided bank statements and support based on their request. 

They owe me XXXX in unapplied funds from XXXX. 

They owe me XXXX in back payments from XXXX. 

On XX/XX/XXXX, I spent 2 hours working through the system with 4 different areas. Everyone I spoke to acknowledged the error, but I just received another reject notice.

I've submitted all ppwk as requested. This is wrong and has been a horrible experience.

I'm trying to buy a house. This has ruined my credit and I've lost out on rates and several homes. Look at my history. Over 800 until this happened. 

Please help me. I'll provide any info needed. 

Thank you. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
loan number XXXX my name is XXXX XXXX i am trying to refinance i was in forbearance plan end in XX/XX/XXXX i am not late with my payment my mortgage company give false statement that i am late with payment 30days 60 days 90 days if i am in forbearance plan my mortgage company cant not reported late payment i think they doing this so they can keep my business but i dont this company my payment is to high and i am geting lower rate with another company

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 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was contacted by a woman named XXXX XXXX from Arizona, we had been talking to each other for roughly a month and the topic of money came up. She had offered to send me {$4500.00} to help with costs of me moving into a new house. We had tried to do a money transfer through XXXX which I had used before but it didnt work. Then she had sent me an e check to be deposited online through my bank app on my phone. Once the check was deposited she had requested I sent her back {$500.00}. I did so, but once I began to question why I had received several threatening messages. I had then been contacted by several emails, phone numbers, XXXX, XXXX, from all different names. I was receiving terrible threats and this is when I had blocked all contacts linked to her and made my initial report for fraud. I then contacted my bank a few days later when I noticed my account had been overdrawn {$4000.00}. The bank stated there was nothing they could do to help me regain the funds I had lost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with an amount balance of {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report. 

The response from Equifax, saying that these fraudulent inquiries are verified information not only shows that theyve received my identity theft report, but has proves that theyve refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information. 

Therefore Equifax is in violation of my rights as a consumer under the FCRA. Also, they claim that these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: OH

Complaint narrative:
My credit report shows a XXXX XXXX account ending in XXXX with the status " terminated ''. I was removed as an authorized user from this account. It should not be displayed on my credit report and the bank was informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a letter today ( XX/XX/XXXX ) regarding an amount as delinquent. Out of panic, I called in and paid the amount. Generally, an amount due and a due date is not in question. When calling back to ask an email written the day ( XX/XX/XXXX ) the letter is dated be given regard, the person speaking seemed intent on deliberately causing confusion. In the previous call, made out of panic, the first representative I spoke to transferred the call without telling me, and the second representative transferred the call to a survey without answering my questions. Until an explanation as to how a " new amount '' due XX/XX/XXXX can also be " delinquent '' XX/XX/XXXX, the card is not safe to use. It was explained that statements close the 23rd of each month, and payments are due the 20th of the following month. This process needs to proceed this simply. What caused the amount to become delinquent, and why was it regarded as being due eighteen days after it was paid out of panic?

Company response to consumer: Closed with explanation