vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Sir or Maam We were reviewing Experian Credit report and filed a dispute regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$19000.00}. Inaccurate. 
Our Line of credit balance is {$1500.00}. with credit limit if {$3000.00}. 
Concern this adversely affecting our credit score, which needs be accurately reflected.

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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX - XXXX Mobile : XXXX Email : XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Team, I am writing to dispute the hard credit check done on XX/XX/2022 on behalf of XXXX bank XXXX 
Below is the complete details. 
I have bought XXXX XXXX on XX/XX/2022 from XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX - XXXX ). I was told by sales person, if I apply for a XXXX XXXX store card I can get 10 % off of my purchase. 
I enquired about the same and asked about the credit check which it will go through. I was told, it will be a soft check and its a simple store card not a credit card. 
After that I provided all the details to sales person and he ran my details through the system but while accepting the card when I saw it is not a store card but a XXXX bank credit card. I declined the offer and paid in full without taking any kind of rebate. 
But, by then Equifax ran the credit check and it was a hard check on my credit. 

I am sending document from XXXX bank which shows I dont have any account or credit card with them also I asked them to close any application which was created on XX/XX/2022. 

Also I am sending you purchase receipt from XXXX XXXX which shows I have paid in full and I did not accepted any credit card on XX/XX/2022. 

Your help will be deeply appreciated, Please let me know if you need more details from my side Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have contacted EQUIFAX several times over the phone and by mail trying to get them to remove an unauthorized account from my consumer report XXXX XXXX ending in # XXXX. I called Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Dates contacted XXXX XX/XX/XXXX, XX/XX/XXXX with no success. I have return receipts to prove that I have also tried contacting XXXX XXXX. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
I never received anything from Equifax asking for my consent regarding this alleged account to place it on my consumer report. 
Equifax has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. In addition, my account was part of the Equifax Data Breach and I have filed a claim! I have spent way too much time reaching out to Equifax with no RESULTS! 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and you have no RIGHT to place this unauthorized information in my report. 
Furthermore, I want my ENTIRE Credit File pursuant to Title15 USC 1681g ( ANY and ALL information that has been reported on me ). 
If you can not provide a contract between Equifax and me the Consumer REMOVE XXXX XXXX! As I am in the process of seeking legal action. This must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I XXXX XXXX mortgagor spoke with SPS regarding my tenant has passed away XX/XX/XXXX from 15 years. 

From XXXX XXXX XXXX I have paid the mortgage payments out of my pocket and can no longer afford to pay with my own expenses needed to pay since I have been impacted with XXXX XXXX and my tenant who has passed away. I did also speak with SPS and did advance my escrow payment for my property for the taxes and insurance and was told the this payment was deferred. 

I am working now trying to fix this property because of the XXXX XXXX issues in this property. I received a threatening letter stating I was in default and I am not XXXX XXXX from my servicer. I dont appreciate being threatened when they were advised of my Hardship and my XX/XX/XXXX payment was deferred. To much back and forth and I am filing this complaint and hopefully I can get some assistance. 

I can not sale or rent this property until I get the Covid 19 issues hardship address which is going to cost well over {$20000.00} that I will have to borrow after owning this property since XXXX. 

The house is not livable at this time as you can see from the pictures. Also my mailing address is not my property address that I dont live their and SPS sends mail to the wrong address. My mailing address is XXXX XXXXXXXX Chicago I XXXX that they are aware of. I am here at the property with my contractors trying to do my best to get the property up to livable sanitation for another tenant etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I contacted Chase Auto Finance to request a one-month payment deferment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I explained to the represented when I called that I needed to skip XXXX payment but was told that they could only extend the payment through the XXXX of XXXX which is normally due on the XXXX of XXXX. I borrowed the money from my sister and made the payment on XX/XX/2022. However, the company still placed a past due payment on my credit report even after providing the extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
well according to Mr cooper all of this has been made up in my head and they are so sorry for my dissatisfaction After all the lies and trickery last year and skating by on technicalities They continue to call me even after I filed a Cease and desist with the FCC. They made nasty malicious lies about how Im attacking them fabricating facts or trying to get free housing or words to that effect this complaint just shows MR COOPER IS A XXXX  again ill attach the letter where they claimed that they needed time to get my number removed etc and another saying that they wasn't aware of this and they will cease communications with me cause of nasty emails i sent. WELL I WAS SENDING NASTY EMAILS CAUSE YOU LIE ALL THE TIME AND HURT PEOPLE. IVE BEEN HURT AND IM FIGHTING AGAINGT A HUGE COMPANY AND IM JUST ONE PERSON and it hurts to have to deal with the lies and people not admitting when they are wrong and passing the blame on the small guy SHAME ON YOU MR COOPER!!!... OH NOOOO THIS IS REDUNDANT INFORMATION AGAIN CAUSE YOURE DONG IT AGAIN AND it gives credence to what ive been saying all before about all those OTHER pesky errors you love to REFUTE so much ... YOU CAN NOT be trusted to do the right thing even after you put it in writing to appease the regulators your deception is so obvious ... SHAME ... NO HONOR.. XXXX!! Mr cooper you even used my " nasty '' emails when i was angry and emailed after you lied to misrepresent me so you used that to make it look like your hands are tied and Im just unreasonable SHAMEFUL attached is the call that occurred this year, the docket number with the FCC complaint i Filed in XXXX last year and Both of Mr COOPER letters lying to CFPB and the Pa Attorneys general and a Pennsylvania banking an securities email as well in where im telling about Mr coopers Tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I am submitting this complaint without any influence from any third party or agency. Please refer to the attached documents as it contains Westlake 's letter, my correspondence, proof that it was delivered via Certified Mail, my letter requesting to speak to the Legal Department, fax cover sheet and fax confirmation. On XX/XX/XXXX, I received a letter from Westlake and on the same day I responded with a handwritten letter ( attached is a copy ). My letter stated that I conditionally agreed to pay upon the condition that they provide me with the 'contract ' that was mentioned in Westlake 's letter because I seek clarification of the 'contract ' and its 'terms ' since I do not have possession of the 'contract ' or any material disclosures pursuant to TILA. I also requested for the accounting records and a signed invoice. On XX/XX/XXXX my letter was received by an individual.at XXXX XXXX. Since then, I have not received the 'contract ', 'accounting records ' or a 'signed invoice '. On XX/XX/XXXX, I was violated, caused distress and damaged because my car was repossessed without notice. I believe that the repossession was unlawful and that this matter should have been brought to arbitration, not repossession. On XX/XX/XXXX, I spoke with XXXX XXXX, XXXX and she informed me that my letter was received but was not 'put into the system ' and the repossession was sent out on XX/XX/XXXX ( after receiving my letter ). XXXX told me to fax a letter requesting to speak with the Legal Department about this matter, which I did but have not received any response from Westlake since.

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 2022-01-22 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: IL

Complaint narrative:
I disputed with transunion last year for a account that was fraud and I also froze my account so that the fraud account could be removed, which the collection is now named XXXX XXXX and says that I owe {$1300.00} which I do not, I was only XXXX when this account was open and it keeps coming back which I dont need it to. I am now asking transunion and XXXX XXXX & XXXX to freeze my accounts

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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: GA

Complaint narrative:
The account ending in XXXX contains a billing error. 

Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: OPORTUN FINANCIAL CORPORATION
State: VA

Complaint narrative:
In regards to this bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2021 a load agreement was made between opportune and I for the amount of XXXX $ plus interest. They said they would be mailing me a check. I made a payment early in hopes to repair my credit of {$23.00} on XX/XX/2021. I still haven't received a check in mail for this loan.. I haven't made another payment after that. I have made many calls to them. & talked to just about every person in every department of this bank to get this resolved. At first they keep telling me to Waite few more days ..I would Waite couple more weeks. & again no check in mail.so I called back..there was a file made where I have made so many calls and a file has been reported informing of my calls and that I haven't got any check in mail..i was told they would send another ..in XXXX..and again..no check in mail.. now they keep sending me texts saying I am past due and keep calling informing me of my late payment ..not only that my credit score has went DOWN XXXX points!!! Opportune has been able to tell that I have not cashed any check from them .because they stopped payment on the first 2 and said they would just send another. NOW they have my correct address because I have received letters in mail about my late payments due..but they can't seem to send the money. I don't want to pay for something I never received and what I started off trying to do to fix my credit score has made it 100 times worse.. I at one time even tried to opt out of the contract of this loan .to where they said that wasn't an option..nor was a direct deposit into my card account was either... 
PLEASE HELP!! 
XXXX XXXX thank you.. 
You can contact me at XXXX Or At e mail XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This is a complaint following my previous complaint number XXXX file through this portal. The bank closed the complaint and I do not agree. 

First I never bought 2 devices, it was only 1 XXXX XXXX XXXXXXXX XXXX second : the investigation provided was very vague and not reliable information third : they are still overcharging me $ {$14.00} and I never made huge payments during XXXX or XX/XX/XXXX : they are not separating the credit card payments from the installment payments. 

why : If I made installments with the XXXX and started to pay the 1st installment as the bank says : here is my explanation of payments. 

As the bank says I financed an XXXX XXXX XXXX XXXX on XX/XX/2021 On XX/XX/XXXX XXXX the taxes of the phone for {$100.00} If they keep saying that I never started to pay the installments until XX/XX/2021, I want to clarify this and I will stand my claim with the bank statements I have plus the XXXX statements. 

Payments were made like this towards the installment for 2021 XXXX : XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX : 2 payments were made towards th installment : one payment of {$54.00} plus one payment of {$500.00} = {$550.00} ( total to the phone ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That means I have paid the total amount of : {$54.00} x 7 = {$370.00} + $ XXXX {$930.00} If I financed the total of {$1200.00} and I have paid {$930.00}, that means that to be able to complete my entire payments to pay off the phone I need {$360.00} If the payment for XXXX installment is on XX/XX/XXXX. that means on today 's date I only owe # XXXX to pay off the phone, however on the installments says that I have a total remaining of {$380.00} which is still not true. and I want this to be fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX, my husband XXXX XXXX died on XXXX XX/XX/2021 ( from XXXX ). It happened in XXXX and I with my children went there. I am still in XXXX with relatives but I see that my husbands credit card was charged 3 times after his death ( all his cards are here with me and I didnt use them ). 
XXXX. XXXX $ ( XXXX ) XXXX $ ( XXXX ) XXXX. XXXX $ ( XXXX ) His credit card ( WELLS FARGO BANK ) 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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account ending in XXXX contains a billing error. 

Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The account ending in XXXX contains a billing error. 

Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

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 2022-01-22 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/XXXX I contacted PenFed for a payment deferral because I needed relief due to ongoing XXXX  issues that exasperated ongoing XXXX  XXXX due to XXXX  XXXX XXXX. The representative told me to submit a request with documentation to confirm my medical issue, so I sent them the attached document acknowledging that I contracted XXXX in XX/XX/XXXX. After a couple of months, I called back and explained that I had not received any notification regarding my request for payment deferral on the loan and credit card. The representative checked the system and confirmed that my request for deferral was approved through XX/XX/XXXX for the credit card, and the loan deferral was also approved, but in the system, it wasn't clear to her for how long the loan deferral was extended. She assumed it was the same as the credit card deferral but would follow-up and confirm. She also acknowledged that no letter had been sent out. I asked if she could provide me a letter and she stated that she would check into it and forward the request. Now, PenFed has posted 2 late payments on my accounts and I'm unsure why.

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 2022-01-22 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: SC

Complaint narrative:
I have filed several disputes to have incorrect info taken off of my report from experian and XXXX XXXX but have been unable to. Requested company send me a debt validation letter but all I receive is summary of account from debtor. Would like to see who open account date account was started last activity on account. My address is being reported wrong as well names on account. Was told I had to contact every company because they were reporting address wrong I receive all my bills at correct address will provide copies if need be. Employer reported wrong also. Please help resolved before I seek damages from all companies and people involved.

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 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I entered into a covid-19 forbearance plan while loan was serviced by XXXX XXXX XXXX  XXXX The loan servicing was sold to Chase Bank shortly thereafter. Chase basically ignored the plan and they pulled payment from my account on both XX/XX/XXXX and XX/XX/XXXX, for payment of XXXX and XXXX. In essence they ignored the forbearance plan and brought me current as if I weren't on a plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TN

Complaint narrative:
I have contacted the credit reporting agencies by mail disputing XXXX XXXX informing them that this account is a fraudulent and that my identity had been compromised.

Company response to consumer: Closed with explanation