vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: OH

Complaint narrative:
I HAVE MADE A NUMBER OF ATTEMPTS FOR EQUIFAX TO REMOVE A ERROR ON MY REPORT OVER A YEAR AGO, AND THEY REFUSE TO REMOVE THE ERROR. I DISPUTED A BANKRUPTCY AND A NUMBER OF ACCOUNTS ALSO INQUIRIES ON MY EQUIFAX CREDIT REPORT AND THEY DIDNT INVESTIGATE THE ERRORS, THE BANKRUPTCY CASE # XXXX I AHVE DISPUTED WITH EQUIFAX AND THEY TOLD ME IT WAS VERIFIED BY XXXX, WELL XXXX FOR THE PASS YEAR SENT ME LETTERS SHOWN ME THAT THEY REPORTED THIS AS A ERROR TO EQUIFAX MORE THEN 7 TIMES, EVERYTIME I DISPUTE THE ERROR EQUIFAX TELL ME THEY VERIFEID THIS WITH XXXX WELL THIS CANT BE TRUE XXXX SENT EQUIFAX LETTERS TO REMOVE THIS BANKRUPTCY AND YET EQUIFAX HAS NOT ALSO ACCOUNTS AND INQURIES. 

Bankruptcy # XXXX ( NEED TO BE REMOVED DUE TO ERROR XXXX HAS CONTACTED EQUIFAX A NUMBER OF TIMES TO REMOVETHIS BANKRUPTCY ) XXXX XXXX  ( OPEN, NEVER LATE, XXXX BALANCE THIS ACCOUNT IS ACTIVE NOT CLOSED ) THIS ACCOUNT SHOULDNT BE REMOVED BUT UPDATED XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS, ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MI

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MD

Complaint narrative:
Accounts on my credit report have been paid in full and or satisfied. The accounts are still showing as open with balances against them. The items were disputed over 60 days ago and there has been no resolution or notice from the 3 credit Bureaus. They contend that there are still balances on these accounts which is inaccurate. The loan was shared with me and a ex-partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
the following account is appearing on my credit report without any authorization, it does not belong to me, it is hurting me dentity Theft SYNCB/XXXX  Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
This item has been on my report since 2011. They have inaccuracy of my balance along with late payments that should have removed based of the 7 years criteria. I have disputed this item on several occasions and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MI

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Ive sent in letters to Equifax and XXXX disputing and requesting companies of my credit report. While they are updating my credit information they wont send me a copy of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
When I got a copy of my credit report earlier this year I noticed several collection items from a company called XXXX XXXX. They claim that it was a debt from XXXX XXXX in XXXX, OH. I had no knowledge of this debt collection company until I pulled my credit report. I did my due diligence and researched FCRA and FDCPA laws. My findings conclude that by law I have the right to dispute anything on my credit report with anyone that furnishes information to the credit bureaus. The company that furnishes information are required to respond to the consumer. 

I have sent several letters to the XXXX XXXX and they have failed to respond to my disputes. I sent my first letter in XXXX of this year with no response from the XXXX XXXX Consequently they have failed to report to the credit bureaus my disputes when they updated my credit file twice in XXXX. Furthermore they have continued to ignore my request for validation. I have given them more than ample time to respond and have failed to do so. 

At this point I am requesting they remove the items from my credit file from all three bureaus or I have no choice but to file a lawsuit because of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: MS

Complaint narrative:
I operate a business I am a XXXX XXXX who buy my goods from XXXX however transfer wise decide to close my account because they couldnt fulfill My payments I definitely doesnt feel thats fair because I been doing business with these people for years all of sudden you shutting me down

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Ive sent in letters to XXXX and Experian disputing and requesting companies of my credit report. While they are updating my credit information they wont send me a copy of the 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 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a call from the phone number XXXX ( XXXX ) XXXX at XXXX XXXX  on XX/XX/2021 from a person saying they were from US BANK offering a credit card offer that I had received in the mail. The man on the line began with some small talk about being in XXXX and talking about the weather. Feeling reassured, I consented to being recorded and to opening the card and the man on the line who had already said my full name and address asked me to state my address, birthday, cell phone number, employment status, yearly income, and last 4 digits of my social security number. When he said that my connection was getting bad and began to sound frustrated so he said he though he had a solution and hung up. I realized when he did not call back that it had been a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021, I received a text message from my Bank, Chase Bank of an unauthorized transaction of {$99.00} from XXXX and to respond yes or no to the text if I authorized the transaction, I selected no and my card was closed and a dispute would be processed and a new card mailed to me. On XXXX the credit was given back to me for {$99.00} however on XXXX the dispute I received an alert in the Chase mobile app the my dispute of {$99.00} was reversed, I called the customer number XXXX and spoke to a representative as to why the dispute was reversed, after a brief hold to check on the status of the reversal the representative stated that due to the card having to be swiped on site of where the fraud occurred that Chase Bank does not have legal action to dispute this type of transaction and that no further action could be taken other than preventing future unauthorized transaction on the card that was closed. Unhappy with the explanation the representative also stated that since the card was in my possession and it was swiped maybe with a duplicate card they can not give me my funds back however if the card was not in my possession then Chase Bank would have to return my funds. This is not acceptable clearly knowing this transaction was detected by Chase Bank Fraud prevention and not being able to help the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MI

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
Escrow analysis is erroneous with basic math errors. Called the mortgage servicer, asked for recalculation, emailed inside their website in secure email system, and received no coherent response regarding resolving or fixing this problem issue. Payment is proposed to go up about {$900.00} per month on a fixed rate loan. We agree the payment should go up due to escrow increasing from property tax, but their math calculations do not show correct projected escrow balances. Discussed with them, and the only response was a second PDF of same escrow analysis without corrections. Impossible to discuss directly with any of their escrow analysts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Granite Edvance Corporation
State: PA

Complaint narrative:
Granite State Management incorrectly reported late payment on my account from XX/XX/XXXX - XX/XX/XXXX. They will not remove it despite my attempts to file a dispute with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX incorrectly reported late payment on my account from XX/XX/XXXX - XX/XX/XXXX. They will not remove it despite my attempts to file a dispute with the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
XXXX is suggesting I owe student debt. The debt is from a private loan from Union Bank. This loan dates back to XXXX. I have not been a student in college since XXXX. When I attended college, it was a Junior College and I paid out of pocket. I explained to the customer service representative that these two accounts are fraud and I was a victim of identity theft as early as XXXX. Under the FCRA & Statute of Limitations, these fraudulent accounts should have been removed from record years ago. Instead, XXXX bought the fraudulent accounts and are harassing me in an effort to collect on bogus accounts. In explaining the situation to the customer service representative, I was clear that my police reports and FTC reports would be strong enough to show how my ID was stolen and personal information compromised. XXXX is wrong on so many levels with this matter. I will be speaking to a lawyer to have them outline my rights and recourse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CT

Complaint narrative:
I have send this company numerous letters and have not gotten any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: NC

Complaint narrative:
Hello, I started the refinance process with Good mortgage who contacted me on behalf of XXXX XXXX XXXX, around the middle of XXXX. I have yet to close on my loan or commit to any of the home appraisals requested as the lender would put in a work order and then not follow through on closing on the loan. The lender which is XXXX XXXX explained to me I was in an unbalanced debt to income ratio. I explained to him before he even ran my credit what I owed payments and loans on. He reassured me and ballooned my income to the underwriter in which they requested the same docs as he. They kept asking me to upload docs and when I checked my credit history pull, they pulled my credit 2x which is why I explained to him, I did not want my credit ran if he could not actually verify my income. Soon after running my credit he then offered to look into my financials which is what I asked him to do from the beginning. He then said my Debt to income ratio was high and that I had to pay off one of my loans and when I paid the loan off he was atonished and then asked who paid if for me as if I did not have any money or were not capable of paying off any of my debts, which I thought was a slap in the face. I then felt like cursing him out as I WORK very hard with three jobs and one side job that I just started. I believe they were sent to keep delaying the process of me finding a lender ( better lender ), they keep pulling my credit score and are trying to keep me stuck within XXXX XXXX XXXX XXXXenders, who have me capped out at 5.0 % and I was searching for a cheaper interest rate and they knew that as I EXPLAINED THAT TO THEM OVER THE PHONE as they ballooned my mortgage payments to the point where we thought we were going to have to default on the loan. They target weak individuals who know nothing about mortgages.

Company response to consumer: Closed with explanation