vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Financial Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX They are Re-Aging old debt so that it stays on the credit reports longer. 

They were sold the debt but the XXXX is not correct since the account is years old and they have it as XXXX of 2022. 

XXXX XXXX is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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:
I XXXX XXXX have been going over my credit report and I noticed that there were a lot of inaccuracies on my report. I have been trying to communicate with the three credit bureaus on my own to fix and correct these issues but they are now ignoring my requests to investigate and fix the issues on my report that I pointed out to them. Since they didnt fix the issue I read on XXXX the fair credit reporting act that they have 30 days to investigate and correct the issues and if they are unable to verify the disputed items then they must delete them BY LAW!! Well it has been well over thirty days and they have done nothing! Also the act said that they must delete the disputed items while they are under investigation and they didnt even do that! I have been monitoring my credit report very closely and they have completely violated my rights as a federally protected consumer. I ask that you please help me to enforce my rights with these companies and have them do what is right by the law and delete all of my disputed accounts since they could not verify the validity of them in 30 days. 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 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX payment to XXXX XXXX XXXX debit - {$130.00} {$7000.00} Called the bank, advised them my fb account was hacked, payment was made, IT WAS NOT authorized. 

First call that i have made and spoke with customer service was dropped by representative as i was advised that she works from hone and has bad connection. Case was created and closed against me. No resolution. 

Same day made another phone conversation new case was created, supposedly researched and this is the response i received below. 
Dear XXXX XXXX : We completed our research for the transaction ( s ) you reported on XX/XX/2022. 
Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 


IT WAS NOT! This is fraud! I work hard for y money and I want it back! 

I have also been transferred to fraud department to speak about way of how i can protect my account, after 10 minute waiting on the line the call was dropped again. 

I want my money back, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian is not doing what is right to update my Personal information my last name is wrong needs to be removed See attachment Address is incorrect needs top be removed see attachment Accounts are old still in the report they need to be removed see attachment accounts are verified and removed by other credit bureaus still in Experian credit report witch is hurting my credit report. 

This is taking so long you do it a soon as 48 hours as possible. 

Please see attachments.

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 2022-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I had financed a loan with Ford motors in XXXX California. Payments were made on time. Every month. The vehicle suddenly XXXX day while driving the transmission exploded while I was driving. My son 's and daughters were I the car. 
The car was towed and never retuy to myself home address. Payments were no longer owed at the time. 
The restitution fees have not paid neither compensation for XXXX damages to my deed home wills trusts record driving records data reimbursement because a helicopter was sent out. Also damage my home invited as a result of the explosion. Creating an unsafe inhabitable living to myself and children. Since I have lost my home and deed and have not recovered my exact accuracy. Neither has Ford returned all my policies agendas of non damaged living. I was further repudiation victim of terrorists criminal threats intents and other interrupting mental distressing unauthorized call claims and charges. Since I have not been provided withe right loan neither care and fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I found some negative items on my credit report in which I did not recognize and sent the reporting agencies letters asking them to remove this inaccurate information. It has been more than 30 days which is the required time under the FCRA laws and I would like to get a response.

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 2022-10-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I found some negative items on my credit report in which I did not recognize and sent the reporting agencies letters asking them to remove this inaccurate information. It has been more than 30 days which is the required time under the FCRA laws and I would like to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
I contacted Mr. Cooper on XX/XX/XXXX about removing PMI from my mortgage loan. They told me that this was absolutely possible and they opened up an application to do so. I was told that an appraiser would contact me within 2-3 weeks and then there would b a few weeks processing time after that. 

An appraiser never so I called Mr. Cooper back in mid XX/XX/2022 and they said they were backed up and an appraiser would call soon. I called back in XXXX and I was told that our PMI order was cancelled due to not being able to get ahold of us. I asked the phone number that was called and they admitted the agent at Mr. Cooper who took my original request inverted two digits of my phone number and it was their fault. I asked why someone didn't double check my account or call my husband or email us before cancelling and there was no answer or explanation given. 

Mr. Cooper then re-opened the PMI removal and I was told I was high priority and would receive a call from an appraiser within 1 week and they would speed the process up due to their error. A week and a half later I received a letter in my Mr. Cooper account that our PMI removal request was cancelled again ( a second time! ) and to call them. When I called they said they could not get ahold of me so it was cancelled. Again, they could not tell me when I was called or what phone number they called. My husband XXXX and I checked our call logs and no one tried to call us. I spoke to several managers and PMI dept staff at Mr. Cooper and there was no explanation they could give on why my PMI removal request was cancelled a second time. 

They then re-opened my PMI removal request for a third time in what was almost XXXX ( I originally called in XXXX ). For the first time in this entire process, yesterday ( XXXX ) I received an email with my appraiser 's information. I finally have an appraisal scheduled. My appraiser said that this was the first time he was ever given my information so he was not the one who said he could not get ahold of me. Mr. Cooper really dropped the ball on this one and it should certainly not take two and a half months from a PMI removal request to receive information to schedule an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XXXX XXXX 2022 received an email from chime saying that the phone number on my account was change and I immediately respond to them that I did not change anything in my account, hoping they secure my account, that was around XXXX. at XXXX XXXX I went to buy something and my card was denied for insufficient funds which was odd because the night before deposited my check. I called them to find out that there was a 5 transactions that did not made or authorized by any means. Chime block my mobile app so I can not do anything and they claim I am responsible for the charges which I am not and they do not give me any proof of that and I every time I called they transfer me to a different department and not giving me any solutions, they have no mercy even I told them I do not have any money for gas or food to pay my rent etc. Also they sent me a new debit card that I can not use because they can even help me to change my pin and I do not Understand what is wrong with them, please help me I am desperate I have a sick wife that depend on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-10-03 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: Grain Technology, Inc.
State: PA

Complaint narrative:
I have made payments of {$12.00}, {$40.00}, and {$44.00} totaling XXXX prior to billing date. Grain is reporting XXXX day late payment when payments have been confirmed as received by Grain as listed on billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
While I was on vacation my mortgage got purchased by Truist Bank. I only became aware when my payment wasn't swept from my account on the normal date. I found a notice in my unopened mail and called Truist Bank to set up new recurring payments. As it was already the XXXX of the month my payment would not make it in time. I was told to skip my XXXX payment and start XX/XX/XXXX. In XXXX I noticed they hadn't taken my payment again. I called and was given the run around and could never speak to a supervisor. They said one would call me and they never did. They stalled until the XXXX day and finally called and said if I didn't pay it would mark my credit so I emptied my savings and payed. They have refused to allow me to see a transcript of my original call where I was told to start with my XXXX payment. They also said if I recorded any phone calls they would not talk to me. I have made mortgage payments for 30 years without ever being late or missing a payment. The methods of Truist Bank are to speak in circles and deny any wrong doing and " accidentally '' disconnected phone calls 3 times as I was supposedly being transferred to a supervisor. This is no way to treat hard working people. I did not ask this fraud of a bank to enter my life and cause so much stress that I was losing sleep. I feel helpless against a XXXX dollar corporation with no recourse. I hope this can help others as I'm probably beyond protection. Thank you. 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 2022-10-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX is not following the Coronavirus Cares Act to remove or not report late payment. I was late XX/XX/XXXX due to Covid- 19 pandemic. under code 15 USC 1681S-2 ( A ) 1 ( F ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX is not following the Coronavirus Cares Act to remove or not report late payment. I was late XX/XX/XXXX due to Covid- 19 pandemic. under code 15 USC 1681S-2 ( A ) 1 ( F ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally financial incorrectly has marked my account as being late on my credit report!! I called ally in XXXX fir an extension before my account was passed due I spoke to a rep a gentleman I was explained that I would need to to get approval before I can get an extension and that I would receive a call within XXXX business days I explained that my account was almost passed due I never got a call they marked on my credit as missed payment this is not right I then try to solve the issue with ally but was told they were unable to pull the call up fir investigation because it was to far back I said thats not right and that I would be making a complaint!! I take full responsibility on 1 missed payment but they need to remove this one fir lying to me and never calling me back I feel cheated I am no longer with ally for there lying and false reporting on my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
Cash APP and XXXX XXXX XXXX  are allowing individuals use their apps for fraud. I run a XXXX practice and have received weekly emails pretending to be a therapist in my practice wanting their bank information to be changed to a fraud account. Today go one again, either from XXXX XXXX which uses cash app or XXXX XXXX in attempts to send funds. see actual account and routing numbers as recent as today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Good morning! In accordance with the Fair Credit Reporting Act # XXXX Account Name : XXXX ACCOUNT XXXX XXXX has violated my consumer rights. please help 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
This is reporting is not mine please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I have disputed this {$1100.00} bill from Consumer Adjustment Co through all three credit reporting agencies since the day I accompanied my adult daughter to the ER and received a text on my phone saying thank you for your visit as they apparently scanned my phone when I walked in. I immediately responded that I was not seen that day, but had driven my daughter, who by the way does not live in my household. 

I am not responsible for this bill, and if you check you will see it belongs to my adult daughter. It is outrageous that my credit score can be decimated while they continue their false claims, while at the same time hounding my daughter for the exact bill in question. 

It should also be noted that I have not used the XXXX XXXX XXXX since my XXXX XXXX  5+ years ago. I use XXXX and an XXXX  for my health needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
{$1000.00} extra payment to principal made on XXXX put in special deposit. 
{$1000.00} extra payment to principal made on XXXX put in special deposit. 
We have called many times for them to correct it still has not been posted!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: CO

Complaint narrative:
I received a letter in the mail from Lexis Nexis Risk Solutions dated XX/XX/XXXX. 
Titled Colorado XXXX XXXX Notice. 
It said I was receiving the letter because : " [ 1 ] report ( s ) of negative information added to your file. '' I immediately went on their website as instructed in the letter and request a copy of the disclosure report. 

On XX/XX/XXXX I received a letter in the mail stating that they couldn't process my request. 
I emailed them explaining the situation on XX/XX/XXXX, and they responded with a boilerplate email containing information that did not address my concern about what they would need to process my request for the report. I replied to the email on XX/XX/XXXX and received the same boilerplate response again. 

On XXXX I completed the online request again, trying to see if I could decipher what the issue might be with their inability to process my request. I got the same boilerplate letter in response again today. 

I have also tried to call them on the phone and get only a recording that loops over and over again. 

It is as if there are no actual humans working for this credit reporting company. 
They are completely unresponsive and unprofessional.

Company response to consumer: Closed with explanation