vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: CO

Complaint narrative:
My mortgage servicing company is XXXX. My escrow was due to be paid on XX/XX/XXXX. It was not paid. My insurance broker from XXXX XXXX called the company to find out what was happening as my taxes and insurance come out of my monthly payment. They told him they sent the escrow check out to XXXX on XX/XX/XXXX. Today I received a letter from XXXX dated XX/XX/XXXX stating they had not received my payment and would cancel my policy if the payment wasn't received by XX/XX/XXXX. I spoke to the customer service dept at XXXX and also went online to my account and found that the escrow payment was sent out XX/XX/XXXX. I asked the representative if that payment would arrive at the insurance company by the XXXX of XXXX and she stated it would. However, with the state of the USPS, my insurance representative thought it best to give me an extension. 

I pay my mortgage bill on time and I expect that the money to complete my taxes and insurance will be sent on time. 

In all the years I have had mortgages not ONCE have I had to explain to my insurance company why the payment is late

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 2021-07-13 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I would like to file a complaint against the collector Lowes, LLC for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Lowes, LLC to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.

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 2021-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
In fall XXXX I noticed that several older payments in my Fed Loan Serving account, in the " Public Service Loan Forgiveness ( PSLF ) Payment Tracking '' were described as " Payment Is Pending Manual Review '' while I was trying to determine if they will count toward PSLF or TEPSLF. These payment dates range from XX/XX/XXXX to XX/XX/XXXX, and include approximately 26 payments. I called in the fall of XXXX, as well as in the Spring of XXXX, and again today ( XX/XX/XXXX ) and each time have been told that there is no timeline for when this " manual review '' will be completed and was told today it may take over a year. The outcome of these payments greatly impacts financial decisions I will be making in the coming months, and I would like to know when it will be resolved. It's hard because I have received no definite timeline, and it's already been 9 months. These payments should count as PSLF qualifying payments, and I'd like the manual review to be completed so I can apply for PSLF in a timely manner when I am eligible. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 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: NV

Complaint narrative:
i sent in a letter from the united states bankruptcy court stating the bankruptcy court does not perform any activites with the credit bureaus .i would like it remove off 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 explanation
Consumer complaint received 2021-07-13 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: NV

Complaint narrative:
i sent in a letter from the united states bankruptcy court stating the bankruptcy court does not perform any activites with the credit bureaus .i would like it remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hi. 

COINBASE have been closing every single case that I made to fix the issue that I have with them : Case # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX. Thirteen single cases that they have ignored. All starts ends of XXXX, at the same time I made my first buy. I had been user since 2018, buy now is when comes the problems, with my first buy. 
I know they " hear my frustration and this is not the most ideal experience '', but it can not be possible that this problem be so difficult. Only verify my ID. They already have it! 

They tell me I should not submit multiple support requests, but I do, because they CLOSE every single case. So, that's why I open a new one every single time, because I see my case closed, and my account is still blocked. 

I only want to operate with my account like always did. My ID is fine, every document have been updated in your platform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13 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: TX

Complaint narrative:
Debit card info was compromised, Chime bank will not provide provisional credit for unauthorized charges. Police report is filed and email with merchant stating charges were unauthorized and the merchant account is frozen. They missed a transaction and i had to file XXXX disputes ( dispute XXXX and dispute XXXX XXXX Smaller dispute was approved and bigger XXXX was denied multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: OR

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and XXXX XXXX XXXX has expired as when the last payment was made on each accounts. 

In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. 

XXXX XXXX XXXX offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.

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 2021-07-13 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: MO

Complaint narrative:
I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/21 without a response. I really would like help in this matter. The misleading information is causing me financial stress.

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 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied online for a Chase Marriott XXXX XXXX credit card. Online, Chase advertised a 0 % introductory rate promotional offer, Marriott XXXX points after a {$1000.00} purchase, and a {$250.00} electronic Marriott gift card, which would be immediately sent via email upon credit card approval. Iwas approved and received the card, but not the {$250.00} gift card nor the 0 % introductory rate. After many, many phone calls and time over the phone over a period of several weeks, I spoke with XXXX at XXXX, who told me I am not entitled to the {$250.00} gift card or the 0 % introductoryrate. I was defrauded, as both of these bonuses were advertised and promised to me online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The below company repeatedly reports late to all 3 credit bureaus which is not true or consistent to what me as the consumer has been doing. The amount of excessive late payments reported is very unethical and shouldn't be on my credit report. 
XXXX XXXX XXXX {$630.00} Balance updated XX/XX/XXXX XXXX late payments XX/XX/XXXX 30 - - - - - - XXXX 30 60 60 XXXX 30 60 90 90 120 90 60 60 90 90 120 90 XXXX 30 60 60 90 60 60 60 60 60 XXXX XXXX - - - On Time 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable

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 2021-07-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The below company repeatedly reports late to all 3 credit bureaus which is not true or consistent to what me as the consumer has been doing. The amount of excessive late payments reported is very unethical and shouldn't be on my credit report. 
XXXX XXXX XXXX {$630.00} Balance updated XX/XX/XXXX 25 late payments XX/XX/XXXX 30 - - - - - - XXXX 30 60 60 XXXX 30 60 90 90 120 90 60 60 90 90 120 90 XXXX 30 60 60 90 60 60 60 60 60 XXXX XXXX - - - On Time 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: GA

Complaint narrative:
The below company repeatedly reports late to all 3 credit bureaus which is not true or consistent to what me as the consumer has been doing. The amount of excessive late payments reported is very unethical and shouldn't be on my credit report. 
XX/XX/XXXX {$630.00} Balance updated XX/XX/XXXX 25 late payments XX/XX/XXXX 30 - - - - - - XXXX 30 60 60 XXXX 30 60 90 90 120 90 60 60 90 90 120 90 XXXX 30 60 60 90 60 60 60 60 60 XXXX XXXX - - - On Time 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable

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 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I received a letter from Harvard Collection Service located in XXXX in XX/XX/XXXX stating I owed {$900.00} and they were collecting on behalf of Illinois Dept of Human Services ( IDHS ). I never received a bill from IDHS and I had no idea what they were talking about so I called the number on the letter that was provided several times and I was not able to speak to anyone. Then I called IDHS and they had no record of me owing them anything. Then on XX/XX/XXXX I received an alert form XXXX XXXX that my credit score had dropped 96 points because Harvard Collection Service reported I owed {$900.00} for IDHS. I phoned IDHS and again they stated that I didn't owe anything to them and that they did not know of this collection agency. I then filed a complaint with XXXX  about this fraudulent report by the company. Upon filing I read over 135 complaints had been made against this company by others and saw a pattern that most of the people had also received a letter like mine in XX/XX/XXXX too. Some of them stated that they never even lived in Illinois or had not lived in Illinois in nearly 10-20 years or more and their credit was affected by losing 50-140 points ( that's really egregious ). It's apparent to me that this company has illegally obtained hundreds of people information including our social security number and because they are a " real '' company they have access to all 3 credit bureau 's where they submit these erroneous collection reports in an effort to bamboozle their victims into paying fraudulent charges/debit by impersonating that they are collection on behalf of IDHS which is a government agency. I hope that this can be brought to the attention of the public so they aren't fooled into paying this shady company money they don't owe and that they immediately remove their false report against me from all 3 credit reporting agencies. I fear they will assume another DBA and continue on with this illegal practice. They are now stating my account will be removed from all 3 agencies but it is in " pending '' status. That's crazy! They've created a bogus, fraudulent claim against me and now say it's " pending '' when it's not even real. I speculate they may be getting our information on the dark web. This is so scary and they need to be stopped. All the complaints and the pattern of this company 's illegal practices can be seen on XXXX  website. Please help me and all the others who they are victimizing. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I started an application through chase for a refinance, they collected {$500.00} up front fee. to start the process. they never told me it was not refundable but would be applied to closing costs or appraisal they got my fee to start refinance the process started and I got very little response and they would not return my e-mail or correspond back to me for weeks. The process was months, they told me that they were sorry and that they were so busy. They would not refund my money back to me and told me it was for closing costs and appraisal fee even though there was no appraisal or did not close. I felt bullied throughout the process and felt like I was taken advantage off. That kind of money puts me in a hardship and they would not give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: OR

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
IVE CONTACTED CAPITAL ONE BANK INXX/XX/XXXX AND SEVERAL TIMES AFTER ABOUT A FRAUD APPLICATION THAT WAS PROCESSED BACK IN XX/XX/XXXXTHEY VE TOLD ME THAT THE APPLICATION WAS CLOSED AND THE INQUIRY WAS PROCESSED FOR REMOVAL FROM XXXX  AND XXXX  WITHIN 90 DAYS APON CHECKING ITS STILL SHOWING ON BOTH CREDIT REPORTS EVEN AFTER SENDING ME DOCUMENTATION THAT IT WAS FRAUD. THIS IS AFFECTING MY CREDIT AND CAPITAL ONE ISN'T DOING ANYTHING TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 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: OR

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-13 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: LA

Complaint narrative:
Remove fraudulent activity from my credit report, enclosed with this complaint is a copy of certified dispute letters that was sent out the Bureaus, I am fade up with this information being on my XXXX credit report, I had no XXXX idea that someone would do this XXXX too me. Delete this information please and send me a copy of my updated credit report. I am being ignored for some XXXX I had no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for Santander Consumer USA and XXXX XXXX Bank has expired as when the last payment was made on each accounts. 

In addition, the original Santander Consumer USA original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. 

XXXX XXXX Bank offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.

Company response to consumer: Closed with explanation