vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, US SM BUS ADMIN ODA Inquired on XX/XX/XXXX, JPMCB CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TN

Complaint narrative:
I am very tired of all of this. I submitted over 30 days ago that these accounts are inaccurate and a violation. These accounts are defaming my character, harasssing me, violating my rights which all are a violation according to XXXX XXXX XXXX a.b.c.d.

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 2021-01-21 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: TN

Complaint narrative:
I am very tired of all of this. I submitted over 30 days ago that these accounts are inaccurate and a violation. These accounts are defaming my character, harasssing me, violating my rights which all are a violation according to XXXX XXXX XXXX a.b.c.d.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: GA

Complaint narrative:
I have sent numerous requests to this agency asking for their method of verification for bankruptcies on my credit file. The company continues to respond that they are investigating my dispute. This is not a dispute! Im asking for the method used in verifying the information and the name of the furnisher of the information that they are reporting. They have previously stated that the information was provided by the bankruptcy court or XXXX XXXX. I have yet to get a direct answer from this bureau as to how they are verifying the information. I have documentation from the bankruptcy court that they do not supply bankruptcy information to the credit bureaus. Therefore, to say that they verified any information with the bankruptcy court is not true. I also followed up with XXXX XXXX and the information they have is also not matching up with the credit bureau report. I have attached these documents for the credit bureau to review each time. Yet they continue to state they are investigating my dispute. This is NOT a dispute and should not be treated as XXXX. I want the direct method they are using for verification and the name of the direct furnisher of the information because its not the bankruptcy court or 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 2021-01-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: FL

Complaint narrative:
I found out last week on XX/XX/14 that I was supposedly past due on an amount of {$170.00} I thought I called and fixed this issue but today at XXXX my mother called me to tell me they are currently harassing her. Please stop them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I don't owe {$710.00} to XXXX XXXX XXXX. I have never owed them this amount of money. I have always had insurance and it covered everything. So, I disputed this on my credit report. It came back that they agreed that it was paid by the insurance, but that they weren't going to remove it from my credit report. What? How is that legal? I want this 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 2021-01-21 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: NY

Complaint narrative:
I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, XXXX XXXX, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information XXXX be listed on my credit report. Section XXXX of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy XXXX XXXX XXXX ) I found such inaccuracy in bankruptcy in credit report : XXXX XXXX is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your 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 explanation
Consumer complaint received 2021-01-21 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCY I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX XXXX XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 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. My information was also impacted by the data breach and XXXX have got into the hands of the wrong person.

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 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2021-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Last sunday XX/XX/2021, a person contacted me by XXXX. This person hacked my cousin 's phone number. This person ( supposedly my cousin ) asked money for an emergency situation. The person sent the amount XXXX {$450.00} XXXX, and sent me the personal deposit information : XXXX XXXX XXXX XXXX. 
I sent the money, but the next day I knew that it was a scam or fraud. I tried to contact my bank XXXX Bank of America XXXX, but it was closed because XX/XX/2021 was holyday. 
So, next day a contact the bank a they took my declaration about the situation. And they told me that they don't sure if they can send me my money back, but they needed 90 days, for triying to fix the problem. 
I don't understand what is the protection that the Banks offer to costumers. Nobody worked on holydays, they can't give us the security that they are going to respond of the situation. I need help with this case please.

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 2021-01-21 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: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Specialized Loan Servicing is displaying a Foreclosure remark and balloon payment amount on my XXXX Credit report that are inaccurate. The property in question was foreclosed in XX/XX/XXXX, however this was not a balloon mortgage. The property was mortgaged for XXXX but all 3 bureaus ( XXXX XXXX, and XXXX ) show a balloon payment amount of {$470000.00} due on XX/XX/XXXX. I have no idea why they are reporting this balloon amount so I disputed with all 3 bureaus to no avail. The worst action taken as a response to my dispute occurred on my XXXX report. Every time I dispute the inaccuracy on XXXX, the Foreclosure date is moved to whichever month I report the dispute on. All I wanted was for this to be reported accurately. 
The foreclosure remark has been reported on my XXXX report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The foreclosure Started ( FS ) remark has been reported on my XXXX Report XXXX, XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX. Each time I dispute they move the marks to an incorrect place which causes my credit score to drop. The last dispute I sent had the Original Deed ( showing no balloon payment rider ), Sale deed ( showing correct Foreclosure sale date and title transfer date ) and copies of the incorrect notations on my report. Specialized loan servicing and XXXX did nothing. The inaccuracies remain.

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 2021-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
On XX/XX/XXXX, thankfully I listened to my inner voice who said call TMS and confirm your 3-month COVID-19 extension until XX/XX/XXXX. So, I called, and I spoke to representative XXXX XXXX To my total shock and horror, the 3-month extension I had requested on XX/XX/XXXX @ XXXX had not been completed and processed. XXXX XXXX had to put me back into the forbearance plan for the extended period of three months which I had requested on XX/XX/XXXX and assured me that my loan and credit report would not be negatively impacted. By the way, my assigned Ally is XXXX XXXX but I have only spoken to her once as she is always unavailable. 

Again, to my horror I received a certified letter of default from TMS dated XX/XX/XXXX. I immediately called TMS and spoke to Ally, XXXX XXXX, who stated that due to system error, although the questions and answers were submitted correctly by XXXX XXXX. on XX/XX/XXXX, my request was not completed and TMS  system automatically removed me from forbearance plan thus generating a default letter. 

XXXX XXXX requested a COVID error request to review the late fee that was generated due to this system error and to correct my credit rating if impacted negatively. XXXX XXXX promised to call me on Friday, XX/XX/XXXX to confirm all updates have been made. XXXX XXXX also submitted a request for my extension confirmation letter to be emailed to me as I have not received it as of yet. She also stated confidently that I can disregard the default letter dated XX/XX/XXXX. Unfortunately, I dont feel any such confidence after this petrifying ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
They have blocked access to my {$600.00} stimulus funds I am receiving errors on Money Network automated system and online account which blocks me from obtaining my {$600.00} stimulus money. I have called 8 times and each time the issue is unresolved. I have been told each time a supervisor will call back in 24 hours, but I have never received a call back. I have tried multiple times to transfer money in my account and it errors out and the agent says my bank refused this electronic transfer, however my bank has no record of any bank transfer Ever being attempted. I have verified the bank account number and routing number and it is correct. I just want my money. I have spent over 8 hours on hold for these many calls. At one point I also asked for a check, however the online account shows no evidence of this and you are unable to request a check online. And as far as ATMS, I am XXXX and would only be able to drive up to an ATM, however every ATM in there network is inside a store where for health reasons I can not go. I find there ATM network discriminatory and there customer service severely lacking. Please help me obtain my money. I am highly suspicious that this is purposefully done as to be able to hold on to your money as long as they can ... This is an impossible situation That I am unequipped to resolve.

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 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I received credit alerts from : XXXX, XXXX, and XXXX that debt collectors Receivable Solutions flagged my accounts for collection. Debt collectors Receivable Solutions flagged my credit file with inaccurate collection Department / Agency / Attorney information on XX/XX/XXXX. The account was opened on XX/XX/XXXX : I have not received any good or services from debt collectors Receivable Solutions and I do NOT now nor have I ever agreed to debt collectors Receivable Solutions to report to my credit files. 
I did not receive any documentation from debt collectors Receivable Solutions to allow debt collectors Receivable Solutions to verify the accuracy of the data before placing their account with the credit bureaus for collection. 
I mailed debt collectors Receivable Solutions a certified letter and it was received XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I gave debt collectors Receivable Solutions a curtesy call verifying that my letter was received, it was received and confirmed by XXXX then I was transferred to XXXX. XXXX informed me that the call was recorded and that it was an attempt to collect a debt after I informed her my call was indeed a curtesy call for mail delivery she then informed me that the account was closed on XX/XX/XXXX ( yet it is still reporting to my credit files ) I asked XXXX how could this be an attempt to collect a debt from a closed account and I never agreed to an account in a first place. She mentioned the hospital that received compensation for my stay and I asked again who gave debt collectors Receivable Solutions my information. XXXX then asked if the line I called from was a good contact number, I clearly stated that Receivable Solutions nor any authorized representative of Receivable Solutions have permission to contact me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I bought a new XXXX XXXX XXXX that was financed through US Bank. ( not my pick ). Per their records my loan was paid off on XXXX XXXX XXXX. Sometime around XXXX XXXX XXXX the bank closed my acct. and sent an electronic release of lien to the Az. DMV. The DMV said they never received the release and the bank doesn't follow up electronic correspondence. I spent the next 3 wks. calling their customer service people, never the same one, 2-3 and 4 X day to try to get them to send another electronic release to the DMV. I have never gotten an answer as to why they won't do it. I am trying to sell the car & had someone to buy it 7 wks. ago. I also can't talk to the people in charge of sending the releases ( reason unknown ). I have run out of people to talk to.

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 2021-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am writing today in regards to my account with American Honda Account # XXXX I am writing in regards to a 60 day late reporting in XX/XX/2020. My concern is how can an account be 60 days late without ever being 30 days late first. in XX/XX/2020 it reports on time payments. This means inaccurate data is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CA

Complaint narrative:
Due to me being a victim of identity theft I spoke with XXXX at XXXX on XX/XX/2020, I spoke with XXXX at Transunion on XX/XX/2020, and i also spoke with XXXX at XXXX on XX/XX/2020 about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX credit report : Doing the trouble sometime, when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered 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 explanation
Consumer complaint received 2021-01-21 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: CA

Complaint narrative:
Due to me being a victim of identity theft I spoke with XXXX XXXX XXXX on XX/XX/2020, I spoke with XXXX at XXXX on XX/XX/2020, and i also spoke with XXXX at Equifax on XX/XX/2020 about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX credit report : Doing the trouble sometime, when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: HUNTER FINANCIAL GROUP, LLC
State: MI

Complaint narrative:
Hunter Financial has it listed in my credit report as a home improvement loan, this is not the case. i m not the homeowner and need this removed from my credit file asap.

Company response to consumer: Untimely response