vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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: TN

Complaint narrative:
I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a

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 2020-11-24 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: TN

Complaint narrative:
I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a

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 2020-11-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX 
On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX 
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: IL

Complaint narrative:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.

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 2020-11-24 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: IL

Complaint narrative:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.

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 2020-11-24 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:
I recently sent letters over 60 days ago to Equifax and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have filed MULTIPLE disputes against Experian and none of the problems have been resolved. Instead, my credit has been decreased! 

I called customer service multiple times and requested for a NEW SECURITY FREEZE PIN CODE be sent to me. It's been months now and I still hadn't received it in the mail. 
It only takes 7-10 business days so this means NOTHING WAS MAILED. 
Since then I have tried to pull my credit online since I need my Security freeze pin to temporarily lift my security freeze to have my credit pulled. The request online for my free credit report was denied! 
I HAVE SENT IN MULTIPLE COMPLAINTS ABOUT MY IDENTITY BEING STOLEN AND EXPERIAN REFUSING TO ASK FOR A PINCODE UNLESS THY WANT TOO.

AND NOW I CAN NOT GET ACCESS TO MY ACCOUNT TO CHECK MY CREDIT DUE TO THEIR NEGLIGENCE!

I was informed that I needed to print the current document and include a copy of my DL, proof of SSN, and a Utility Bill.

I DID THAT!

I sent the form and a letter requesting for my Security Freeze Pin to be CHANGED and mailed since I hadn't received one after my last few request. 

Proof of Identity was mailed on XX/XX/2020 and it's now XX/XX/2020 and I have not received a thing in the mail. 

When I get a response from Experian as to why they failed to provide the new Security Freeze Pin. I will continue with how I know they received the letter and I can provide the content that they received! 
WHY WAS MY REQUEST FOR A NEW SECURITY FREEZE, IGNORED?

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 2020-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have a Good credit score at XXXX points. I have very little debt, compared to my income. I have only ever paid 1 account late, due to becoming XXXX, which caused that 1 account to go 6 months past due, more than 3 years ago. The XX/XX/XXXX agreed to guarantee my loan in full, in accordance with the Transportation Loan Guarantee program provided to people with XXXX, pursuant to the Rehabilitation Act of 1973. However, Navy Credit Union discriminated against me, due to my XXXX, by denying my auto loan application for arbitrary reasons of : 1. Too many recent accounts ( my recent accounts are as a cosigner destructing LLC debt to lower interest rates ) 2. Serious delinquency ( due to my XXXX over 3 years ago, and only on 1 account ) 3. Too many accounts with balances ( I only have 3 credit card balances ) 4. Ratio of balances to credit limit too high. I only have 3 credit cards with less than {$3000.00} in total balances ). 

The reasons for the denial do not accurately reflect my credit report, and credit score of XXXX. Furthermore, I appealed the denial seeking reconsideration given that the State of California, through the XX/XX/XXXX, is guaranteeing the transaction through a Federally mandated program for people with disabilities. 

Navy Credit Union ignored this loan guarantee information and denied my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
My card was stolen and someone was able to access my account and i reported fraud immediately and made police report about the fraudulent activity to current which is XXXX  XXXX XXXX the did a investigation they say didn't give me any type of detail or information they said no to theh cant reimbursed me for fraudulent activity they wont let me speak to aye supvisor about it i just want my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Please could you help. 

My home loan was serviced by Planet Home Lending. In addition to mortgage payments, I was also required to pay into an escrow account each month so Planet Home Lending had the funds to pay the property taxes and insurance. Planet Home Lending did not pay the property taxes owed in XX/XX/XXXX & XX/XX/XXXX. I have reached out to them but they say it is not their problem as the loan was transferred to XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX and that XXXX needs to sort it out. XXXX said that they could not have made those payments in XX/XX/XXXX or XX/XX/XXXX as they weren't even the loan servicer until XX/XX/XXXX. 

Now there have been penalties that have also been incurred since Planet Home Lending did not pay the property taxes. I have repeatedly asked Planet Home Lending to correct their error but they keep saying it is not their problem and to talk to the new loan servicer. 

I have included the Property Tax Statement which shows the penalties incurred from the county website. I have also included the emails that have gone back and forth between myself and Planet Home Lending. I have also included my annual statement showing the monthly additional escrow payment of {$2900.00} I had to make and that I had {$31000.00} in the escrow account to pay property taxes and insurance - why didn't they pay the property taxes? 

Please help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
For my residence of XXXX XXXX XXXX, XXXX, California XXXX I am completely current on my mortgage payments to date. however, my taxes and insurance escrow payments keep getting misapplied to forward paid mortgage payments thereby putting me about 1 year behind on my property taxes. the current mortgage, SPS financial, is doing this in order to adjust their portfolio and make it more attractive to investors. My concern is that there was will raise my mortgage payment in FY 2021. I need the cfpb 's help in resolving this issue to make sure that my monthly payments are applied appropriately to principal interest taxes and insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Ive been applying and reapplying for loss mitigation with Freedom Mortgage., Ive sent over a dozen loss mitigation packets since XXXX of XXXX, I feel that there loss mitigation maybe a scam. My account was noted national emergency declaration,. Now its back to being delinquent. I was told I had 3 loan modifications already I told them Im a new 1st time home owner. Ive paid my mortgage every month up until my financial loss of XX/XX/2020 in which my mortgage payment became sending in loss mitigation packets. My freedom mortgage loan # is XXXX my FHA case # XXXX. I thought after freedom mortgage apologizing for mixing file up with someone else file about 6 months I thought things would go smoother., I was wrong.

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 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XXXX I tried to log into my phone to find out someone changed my phone from XXXX  to XXXX so then I tried to log into my American Express prepaid card to find out my password had been changed. Once the rep and I changed my password back my someone had been doing transfers from my reserve account for a period of 4 days. I had no idea i was just in time to stop a {$1400.00} transfer while talking to the rep. I told her that I did not make it. They said I called to say there were fraud going on which I never did then they said someone called the same day and said no fraud Really? How can you say I called and allow someone else to tell you different. It was {$9000.00} dollars in my account for months my income tax for three years and my hard hard earned money from my job. They transferred {$7600.00} and refuse to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient continues to harass me on a daily basis by email, phone and mail. This has gone on without interruption for THREE YEARS. 

1. They send threatening letters to my home address on a weekly/daily basis.

2. They call my phone number and leave threatening voice mail messages several times a day from different phone numbers.

3. They send threatening email messages to me on a weekly/daily basis. 

This must stop. 

I have had {$0.00} income for over one year and there is no possibility that I can make any payments at all to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHECKredi of Kentucky, LLC
State: TX

Complaint narrative:
Other websites show that the company has reduced the account to XXXX. When I tried to dispute the {$30.00} fee, they told me there was nothing they could do about it. This would be the first time in my life that a debt collector couldn't take care of the ACH fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
I'm continuing to receive bills for services from XXXX and the XXXX XXXX of XX/XX/XXXX which I have already paid. I have talked to their Customer Service Dept. numerous times and have gone to their office to rectify the situation. I'm told the matters will be taken care of, but the next month I've receive the same bills. 

Now they have turned the following over to Americollect, Inc., XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX. The charges are : Acct. # XXXX for {$27.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX ; Acct. # XXXX for {$14.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX ; Acct. # XXXX for {$40.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX. When I furnished proof of payment, Americollect told me XXXX said the payments were used for " something else '' and that I still owed these amounts. They can't seem to tell me what this " something else '' is. When I sent the payments, I followed their instructions by indicating on the payment slip which account numbers each was for. 

Now in the last two days I have received two phone messages and a letter from XXXX XXXX, XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX, indicating that I owe XXXX another {$300.00} on Acct. # XXXX going back to XX/XX/XXXX. The charge for this service was really {$410.00}, which I paid on XX/XX/XXXX via Master Card and cleared on XX/XX/XXXX. Again, I had clearly shown on the payment slip the account number to which this was to be applied. 

I have never dealt with a company that could simply say that payments clearly earmarked for specific billing could be used elsewhere and now you still owed these charges. I have complete records of all my dealings with XXXX. I have paid every bill I owe, and I have proof of these payments. I have no idea what other bills they may try to collect which I have already paid. 

Looking at theirXX/XX/XXXXrating, I was not surprised to see it as " F ''. Reading through the complaints, there seems to be a pattern here of lying to the consumer and creating a smoke screen in an effort to confuse people into simply paying the bills they receive whether they really owe them or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I filed a fraud/merchant dispute with Bank of America. The claim number is XXXX. On XX/XX/XXXX, I got a letter/alert from them advising that the transaction activity in question was authorized and posted correctly to my account. I called Bank of America and was told it denied because some of the charges were from XXXX and it looked like I participated with the merchant. I advised the agent that I had explained I noticed recent unauthorized charges and when I searched the merchant on the online banking page I saw other charges further back that I did not notice before. The agent advised they would not my claim and have it resent. I have heard nothing further from Bank of America. 

There are 72 charges from merchants I never participated or authorized payments for. The total amount is {$4300.00}. 

The response from Bank of America on XX/XX/XXXX, did not include any charge information or details about what their investigation included. 

I think this needs to be reviewed for possible Reg Z Violations. 

I want the fraud protection I am promised on this account. 

I DID NOT PARTICIPATE WITH THE MERCHANTS ON ANY OF THE 72 CHARGES. WHY WERE VISA LAWS INITIATED AND THE MERCHANTS CHARGED BACK AND FORCED TO PROVE I PARTICIPATED WITH THEM? I can assure you that I have not!

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 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Byrider Franchising, LLC
State: MD

Complaint narrative:
I have been trying to dispute this account that is on my credit report. I am not aware of this account and have asked the company to send me any Original Signed Contracts verifying this debt owed. I have made three attempts to send letters asking for all supported documents that supports their claims. This company has not responded within 30 days. 

Date Opened : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: NV

Complaint narrative:
I reviewed a copy of my credit report and I found inaccurate or fraudulent inquiries showing within my report. I have completed an FTC/ and police report which was forwarded to the credit bureaus to investigate. I have been continuing to have difficulties with removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Upon checking my credit report, I noticed there was a collection account on my XXXX  file from I.C.System INC. I never received any notification from this company advising of a debt that I owed. The company just placed the collection account on my XXXX  file without notifying me of the debt prior to.

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