vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I have repeatedly asked Caliber Home Loans to change the address that my statements are sent to, completing this information on the payment coupon ( an industry standard method for notifying address changes ) at least 4-5 times now. Every time, Caliber employees ignore the request and just process the payment and do not change the address of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: GA

Complaint narrative:
My request for the correction and removable of the erroneous information on my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the information that are still reporting on my account : PREVIOUS ADDRESS : XXXX XXXX XXXX LOT XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX Collection Original Creditor XXXX Balance : {$230.00} Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Since XXXX of 2020, I have been disputing a XXXX account that appears on my credit report. I have disputed this with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and TransUnion. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on this account, because it was paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, I have not received any response from XXXX regarding fixing the errors on my credit report. This item is reporting inaccurately and should be immediately deleted. 

ALL of this is currently incorrect : -Account type missing on XXXX -Date opened is inconsistent across the 3 bureaus -High balance is inconsistent across the 3 bureaus -Credit limit missing on XXXX -Date of last activity is inconsistent across the 3 bureaus -Date of last payment is inconsistent across the 3 bureaus -Comments on account say the dispute " is resolved '', how can this be when this account is reporting erroneously and I have not received any response to my disputes?

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 2022-02-14 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: NY

Complaint narrative:
Since XXXX of 2020, I have been disputing a XXXX account that appears on my credit report. I have disputed this with the creditor directly, as well as with the 3 major credit bureaus : Equifax, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on this account, because it was paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, I have not received any response from XXXX regarding fixing the errors on my credit report. This item is reporting inaccurately and should be immediately deleted. 

ALL of this is currently incorrect : -Account type missing on Equifax -Date opened is inconsistent across the 3 bureaus -High balance is inconsistent across the 3 bureaus -Credit limit missing on Equifax -Date of last activity is inconsistent across the 3 bureaus -Date of last payment is inconsistent across the 3 bureaus -Comments on account say the dispute " is resolved '', how can this be when this account is reporting erroneously and I have not received any response to my disputes?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX ( shown as XX/XX/XXXX on the online chase bank activities ), there were five unauthorized ACH transactions, total {$23000.00} were taken from my business checking account. They were all online fraud by hackers. I reported to Chase and asked for bank account protection prior to and during the transactions. Chase tried to block the transactions according to my request but failed. 

On XX/XX/XXXX, one of the five unauthorized ACH transactions ( {$4500.00} ) was credited back to my business checking account. The rest four transactions ( total {$18000.00} ) could not be reversed and credited back to my business checking account.

Chase created a claim for investigation of the ACH transactions since XX/XX/XXXX but denied to credit back the {$18000.00} with the statement " We found that the transactions you reported on XX/XX/XXXX were processed according to the information you provided was authorized, No adjustment will be made to your account ''. 

From XX/XX/XXXX to XX/XX/XXXX I made several phone calls to chase and had talked to the Chase representatives of fraud investigation and claim departments regarding the refunding the unblocked fraud ACH payments ( Total {$18000.00} ). The answer from the claim department is the claim was closed because the fraud couldnt be proved and those ACH payments could not be refunded to your account, bring the evidences to the local chase office for further investigation. 

I went to Chase local office in XXXX XXXX, Indiana, met the brachy manager XXXX XXXX and submitted documents including suspicious emails I received prior to the fraud transactions, the printout of the ACH transactions. XXXX helped to escalate reopening the claim investigation but Chase kept the previous conclusion and detailed that " They found that those ACH transactions were made on the device having same IP address that I used to access my chase bank account ''.

My complaint is that I provided the suspicious emails and made phone calls to Chase customer supporters asking for account protection before and during the fraudulent transactions. Chase had also successfully blocked one of the five transactions that happened at the same time. How can Chase conclude the other four transactions were authorized just because they can not find the transactions were made on the device with different IP address?

I demand Chase to credit the rest four unauthorized transactions ( total {$18000.00} ) back to my business checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
Hi, I submitted a request to have PMI removed from my conventional loan. Flagstar denied my request because they stated I was late even though my loan ( forebearance ) was covered under the COVID 19-Mortage Relief Act regarding negative reporting. The COVID19 Mortgage Relief Act states the following : ( 3 ) may not report any adverse information to a credit rating agency ( as defined under section 603 of the Fair Credit Reporting Act with respect to any payments on the loan that were due during the forbearance period, if such payments are made before the end of the 12-month period. ) ; and Flagstar refuses to use the information provided on my credit report regarding my on time mortgage payments as a means to approve my request for PMI removal. The information provided to the credit bureaus shows no late payments even though I was under the forebearance plan via Flagstar. Flagstar representatives assured me verbally before I accepted the forebearance plan that this action will have no bearing on my credit reports or any request to modifiy my loan via COVID-19 Mortage Relief Act. Based on the law, you can not use foreberance issues that fall within COVID-19 Mortgage Relief Act to penalize a borrower that is requesting the removal of PMI. 

I am requesting the removal of PMI ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-14 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: LEXISNEXIS
State: FL

Complaint narrative:
A letter of dispute was sent to Lexis Nexis and received by the company on XX/XX/22, see attached certified receipt. In my letter, I requested an investigation into a record being reported on my consumer report. In accordance with 15 U.S. Code 1692g - Validation of debt. Lexis Nexis has 30 days from the date of receipt to investigate any disputes regarding erroneous items. As of XX/XX/22, no response has been received by Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My request for the correction and removable of the erroneous information on my accounts has been diligently neglected by TransUnion. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the information that are still reporting on my account : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FMC-OMAHA SERVICE CT XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME 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 non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Business Account for XXXX XXXX was closed when final balance was removed years ago. No activity on that account for at least 4 years. Im now getting a XXXX card with XXXX limit on that account in the mail. Explain to me how that is? Account closed., no activity, no balance, business closed. Seems to me like these guys are padding their accounts much like XXXX XXXX once did. They were given a chance to remedy the situation online and by calling me within a given time free and did not. I do not want or need this account to be open or a potential liability to me as the gurantour.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANKMOBILE TECHNOLOGIES, INC
State: VA

Complaint narrative:
they closed my account without giving me notice... i ask for my account number because i need to confirm it with the irs to change my bank information bankmobile wont give me my account number

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 2022-02-14 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE

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 2022-02-14 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Resources, Inc.
State: TX

Complaint narrative:
I paid five medical bills with this company on XX/XX/XXXX. I spoke with XXXX. I paid over {$300.00} and was told that a deletion letter would be mailed my address. The representative confirmed to me that the medical collections will be removed from my credit reports after payment clears. Their calls are recorded, I hope there is a record of it. 

The letter I received was only a paid in full letter. I called back on theXXXX and spoke to another associate and she informed that a deletion was not possible and against company policy. 

I requested that a supervisor review the recorded phone call on the XXXX so they can confirm what was said. A deletion is what I was assured would happen after payment. 

This is a bait and switch. I don't know why they did this or if XXXX was not trained properly but none of that is my issue. I just want the agreement that we agreed to to be enforced. 

I don't understand why a business would operate like this.

Company response to consumer: Closed with explanation