vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
During Covid 19 pandemic in 2020. I asked for assistance to defer payments to my mortgage because I was struggling to find work to support my family. The mortgage company offered to help- I had no payments due for about a year and a half. At the end of the assistance- I was told I could modify my loan. I really feel I was mislead and falsely informed by the mortgage company representative. I was 12 years into my loan and when they modified it they put it back to 30 years and they added aprox XXXX to my loan. I have no idea how this amount could be correct. I was shocked. I have tryed asking the right questions but no one can give me a clear simple answer. I was 100 % thinking that my loan was deferred- meaning just stop payments and resume when I find stable work. But they clearly didnt explain that to me. If you look on XXXX my home says I should owe aprox {$100000.00}. I am asking for them to retroactively approve this for my loan because what they tryed doing is wrong and not helpful to a family during a worldwide pandemic that needed assistance to keep their family safe in a home. I appreciate your thoughts and support.

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 2023-08-18 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Id notified Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account XXXX XXXX, XXXX account # XXXX , XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. Which is deem inaccurate due to the inaccuracy from the account tenured start date, account date last activity and invalidated outstanding balances. According to statue 15 USC 1681i ( 5 ) accounts with improper data reporting are subject to modifications.

15 U.S.C 1681 section 602 A. states consumers have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agency can not furnish a account without the consumer written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of conviction of crimes which antedates the report by more than Seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information provided is inaccurate.

Also the inaccuracies on these report are not corresponding with appropriate validation under metro 2 compliance. Please review documents to prove this case has regulatory evidence for endorsing truth.

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 2023-08-18 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: FL

Complaint narrative:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my 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 non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc.
State: NJ

Complaint narrative:
I went through a 3 interview with XXXXXXXX XXXX  for job opportunity, the call first round and second round and 3rd and got hired was sent a offer letter and passed drug test and created employee portal did everything that they asked me to do and when the background check went through I was contacted by HR of XXXXXXXX XXXX about XXXX basing that I did 90 days in XXXX XXXX XXXX  and I was told to explain bed which I did, and also as asked I submitted proper paperwork from the state of New Jersey XXXX XXXX clearing what XXXX XXXX HR asked about as she repeatedly kept axing me about why am I on XXXX XXXX XXXX, which I explain to her the situation in XXXX with the mother of my child and I explained as she said we dont go back that far so why ask me and I still submitted court records documents XXXX XXXX XXXX XXXX, which was my final XXXX report to XXXXXXXX XXXX HR also justifying showing her as she asked about the XXXX  with the mother of my child it was a XXXX XXXX XXXX XXXX XXXX XXXX, I was given a start date for XX/XX/XXXX and today XX/XX/XXXX XXXXXXXX XXXX  HR sent a letter they cant hire me and the consumers cant explain violating my rights and discriminatory acts showing this is discrimination act and unfairness towards me cause of me being on XXXX from a event in XXXX and I would like for hireRight consumer support to collect the proper paperwork that I sent in and correct what they have done and explained the matter as XXXXXXXX XXXX  XXXX said this consumer can not explain why Im not getting hired. Therefore, Ill be filing a discriminatory act lawsuit against XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I attempted to use the XXXX XXXX benefit on my Chase Sapphire Reserve at XXXX XXXX  EST on Monday XX/XX/XXXX. The XXXX benefit is one of the primary reasons I pay for the {$550.00} annual fee on this credit card.

I placed the XXXX XXXX order and was given an XXXX of XXXX XXXX  ( XXXX minutes ) The tow truck did not show up, so after 2 hours I contacted the towing company who stated I was next and it would be XXXX more minutes. XXXX minutes pass, nothing, I call back, same promise. I contact XXXX XXXX  as well who also states to just wait XXXX more minutes. In total, this happened a dozen times, I made over XXXX phone calls to Chase, XXXX XXXX, and the towing company. Each time I was told to wait 30 more minutes and that cancelling would likely elongate the time it would take for a truck to arrive. If anyone had been honest or forthcoming about the length of time it would take I would have cancelled earlier and paid out of pocket. I waited for XXXX hours in XXXX degree heat for the tow truck to arrive, was told I could not leave my car, and to continue to wait. After XXXX hours, I had to pay {$100.00} to have someone pick up my kids from school. Eventually after XXXX hours I gave up and paid {$150.00} out of pocket for another tow truck from a reputable company who was there within the hour. Chase sold me a roadside assistance benefit that left me stranded in the heat for XXXX hours making a dozen empty promises along the way. 

In attempting to resolve the situation after I took care of towing myself, Chase has completely abdicated any role or responsibility. They keep passing me off to third parties, first the XXXX XXXX  partner, and then their third party Claims Administrator. Both of those parties dont understand why Chase tells me to contact them, and frankly I dont either. 3 different parties are involved, everyone insists that its someone elses responsibility and theyre unable to help. Chase is the party who takes my {$550.00} and sells me a bogus benefit, so they should be responsible for resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My Original balance with Mattress firm, Synchrony Bank, was {$1400.00}. I have been paying on time with this 0 % APR 2 yrs program. 
Rep from Store, just told me no interest for 2 yrs..XX/XX/2023 was the expiration date and I have remaining balance of {$180.00} which I am still consistently paying. To my surprise, my balance increased to {$930.00}, in XX/XX/XXXX. I am a senior citizen with some XXXX and in XX/XX/XXXXI had health challenges, so I couldn't call Synchrony. Now, XX/XX/XXXX comes and I saw that they tucked in {$770.00} interests in my balance of XXXX I didn't get any warning letter to payoff the entire balance, i didn't get any email, nor text ahead of time, and Synchrony kept saying it was in my paperless billing. I think this sets me up for failing to pay it off. So unfair to me who is a very good paying customer. 
My other store card with Synchrony is Ashley furniture. No interest for 60 months, and payment is {$90.00} a month. I have reached out to them to remove the interests and that my monthly payment is {$90.00} ... .since XX/XX/2023. Rep kept saying it takes 60 days to straighten it out. 
Now. My minimum monthly is {$120.00} .... 
I fairness to me, this bank should cancel the interest that they charged me in my mattress firm card of {$770.00} ... ..and the Ashley furniture card, they should keep my minimum monthly of XXXX dollars. Or 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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-18 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: PNC Bank N.A.
State: NC

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I made a deposit into my checking account with a check I received from my other financial institution. USAA put a hold on the funds until XX/XX/XXXX, 10 days later. I have made numerous attempts to have the hold removed, each unsuccessful. I have held numerous accounts and products including loans, insurance products, and deposit accounts with the bank over a span of 8 years. They have repeatedly refused to release the funds despite the funds having already cleared from XXXX, where the check originated. It is an unreasonable delay and hold of my funds that originated from my own account at another financial institution, funds that have already cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Unauthorized Inquiries As the affiant is aware, it is a fact that these inquiries were conducted without my permission/consent. There was no legal reason for doing so, which is against 15 U.S. Code 161b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Inquiries are as follows : XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX on XX/XX/XXXX ; EQUIFAX INC. XXXX XXXX XXXX XXXX XXXX GA XXXX phone XXXX on XX/XX/XXXX ; EQUIFAX INC. XXXX XXXX XXXX XXXX XXXX GA XXXX phone XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone XXXX 15 U.S. Code 1681n ( 1 ) ( A ) : Unauthorized Inquiries hold civil liabilities hold up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater.It is a fact, I, the affiant, is aware these unauthorized inquiries which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} per inquiry as the listed companies above are in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The following inquiries are fraudulent and need to be removed from my credit report immediately, someone has been applying for credit in my name. When I contacted the companies listed below and the three credit bureaus they were unwilling to assist me with getting these fraudulent inquiries removed from my credit report. The following inquiries are fraudulent and need to be removed immediately from my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
The company National Credit Adjusters , L.L.C was in immediate violation of the FCRA [ 15 USC 1692g ]. For reporting on my consumer report without reaching out to me with any type of documentation to try and resolve this matter before reporting to my consumer report. I tried to reach out to the company with a notarized letter to validate the debt or delete it from my consumer report if they did not respond within 30 days of receipt of the letter. This was mailed through certified mail and it was delivered on XX/XX/2023 and I have the confirmation receipt of signature as proof that it was signed for on that date. As or XX/XX/2023 I have not heard from this company nor have they deleted this account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: GA

Complaint narrative:
Im filing this complaint to have these 6 fraudulent inquiries deleted off my credit file I have not checked my credit and I want these inquiries removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are fraudulent, I have checked my credit and now I have credit freeze, im asking for these inquiries to be removed asap, I am a victim of identity theft I would appreciate that these be taking off my credit report thank you! 

And no fraud alert, do not add a fraud alert, I have a credit freeze instead. 

Transunion please remove these fraudulent inquiries off my credit report im sending a screen shot of those inquiries and a police report that filed.

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 2023-08-18 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX 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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2023, a hard inquiry from XXXX XXXX was placed on my Equifax credit report without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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