vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 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 — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
XX/XX/2020- A background check was submitted with First Advantage and per the client suppose to be back with 24-48 hours in order for us to retain a position. However, First Advantage has been taken advantage of the COV19 situation and, has picked certain people to conduct background check once you up load the picture. They have cost me 3 different clients and each time I lose one another background has to submitted. The supervisor claims more than one person is working on the documents and the courthouses are closed. I told her, " The courthouses are online! '' So, First Advantage is just picking people base on other features and costing me more than {$2000.00}. Their name should be " CANT GET RIGHT '' ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I come to you yet again in the hopes that you will actually do your jobs and hammer these XXXX XXXX XXXX XXXX credit bureaus. Sorry for the aggressive language but I am XXXX tired of having my life XXXX  because people don't do their jobs!!!! 

The Following collection Amounts were ALL PAID IN FULL OR SETTLED FOR DELETE. XXXX  AND TRANSUNION ESPECIALLY HAVE NOT UPDATED A XXXX THING. I AM TRYING TO GET A XXXX  XXXX MORTGAGE AND NEED IT DONE ASAP!!!!!! 

XXXX  XXXX {$120.00} paid in full for Delete XXXX XXXX. {$170.00} Paid in full for Delete XXXX XXXX. Original {$450.00} Settled for Delete XXXX. Was {$150.00}. Settled for Delete There should literally be NO COLLECTIONS on my reports anywhere anymore. I PAID AND OR SETTLED EVERY SINGLE ONE OF THEM FOR DELETE.!!!!!! GET THEM THE XXXX OFF NOW! PLEASE!!!!!!!!!!!!!!

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 2020-04-22 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: NY

Complaint narrative:
Credit Inquiry on XX/XX/2019 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX This is fraud and I have requested that Equifax remove this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX & XXXX, 2020, four " Hard Inquiries '' were made on my credit - 3 to XXXX and 1 to TransUnion. I did not authorize any such requests. 

XXXX received Inquiries from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion received an inquiry from - XXXX XXXX I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). 

- I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact all four lenders that made inquiries ( and had no luck getting any real answers or help/guidance ) - I have attempted to contact both XXXX and TransUnion ( and had no luck getting any real answers or help/guidance ) - I called the CFPB ( XX/XX/2020 ) and was instructed to contact the FTC ; when I did, their agent told me to file a complaint with the CFPB

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 2020-04-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOT INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.

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 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I sent the company HRRG a letter below is the letter that I have sent them. 

Healthcare Revenue Recovery Group , LLC XXXX. XXXX XXXX XXXX, FL XXXX To Whom it may concern. 

Please do not call every day. I understand I owe you money but calling me 3-4 days in a row is annoying. Your payment site doesnt allow you to set up weekly payments only single payments. Also, you can not set up future payments on your website. 
The company has not stop calling me. When the company calls, it is recorded message.

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 2020-04-22 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND THE INQUIRIES WERE NOT AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES WITH MY INFORMATION BUT I AM CERTAIN THAT THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT THE ACCOUNTS AND INQUIRIES ARE RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOT INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOT INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.

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 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/20 at approximately XXXX XXXX, I received a phone call from XXXX XXXX, the representative asked if I was XXXX and I asked who is calling he stated his name. I asked if he was a third party debt collector attempting to collect a debt and he kept asking me if I was XXXX. when asking who or what company is this, he said, Transworld Systems Inc. 

Also I asked him if he was a third party debt collector attempting to collect on a debt and he refused to provide that information. 

According to The Fair Debt Collections Practices Act ( FDCPA ) a debt collector is required to disclose during the call, that they are third party debt collector, attempting to collect on a debt and the above agency failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Due to COVID-19 & the complete shutdown of the economy. I am no longer employed. I applied for the government sponsored CARES program through Wells Fargo My lone servicer. I'm am the original owner of the home. I've lived in the home since XXXX & have never missed payment until this COVID-19 global pandemic. 

On XX/XX/XXXX, Wells Fargo sent a repo company to my home at XXXX. I was told by the people sent, that they where told by Wells Fargo that my home was " abandoned '' & that no one lived there. I was told that Wells Fargo commonly lies about this sort of thing. Knowing fully well the home is occupied. 

Wells Fargo attempt to steal my house, empty its contents, & change the locks all without any communications with me the home owner. They never contacted me nor communicated any issues with my account. All of this in the middle of the greatest social crisis we've faced collectively as a nation. Effectively a vicious attempt to disposes me of property, freedom, health & ultimately attempt to kill me via exposure to COVID-19 on the streets. 

It should be noted that I'm not in foreclosure & only missed payments are a result of COVID-19 which prevents me from working due to world wide government mandated lock down.

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 2020-04-22 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: FL

Complaint narrative:
Negative accounts are reporting on my credit reports that's impacting my credit scores XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied and received a loan modification from Chase through the Chase Home Affordable Modification Agreement ( CHAMP ). Facing the threat of foreclosure, and being several months behind in mortgage, I hastily sign the documents. Not knowingly, that CHAMP was a fraud and involved predatory lending. 
I was experiencing some financial hardship, so turned to Chase hoping to save my home. So they offered me CHAMP. The Modification as XX/XX/XXXX, had Maturity Dare : XX/XX/XXXX. The new principal balance of my Note was {$290000.00}. The Interest Bearing Principal Balance re-amortize over 480 months with a Maturity Date of XXXX ( a Balloon Payment ). The New Principal Balance rate of XXXX annually. Monthly payments of principal and interest in the amount of {$2000.00} which amortize the New Principal Balance to the remaining Ballon Payment over a period of 310 months. The Maturity Date will be XXXX XXXX. 
I am a 24 year XXXX veteran and Chase never offered me to refinance with a veteran loan. I have written 3 letters to Chase to resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I would like to share with your organization a post that I made on my social media accounts. It seems not everyone of a small business is getting the help that they need. For example, I was told by my bank JP Morgan Chase that I qualify for the XXXX XXXX program, but because I did not have a XXXX XXXX XXXX bank account, I am unable to obtain the funds. I know many XXXX XXXX XXXX who pay themselves via 1099 from their corporate business account. I do not understand why having a separate business account as a sole proprietor is relative to the COVOID19 Disaster Relief program under the CARES, Act. It appears to me that this is a way to single out small business owners such as myself and exclude me and others from receiving the assistance the government intended to be accessible. I feel it is unfair, unjust, and discriminative against all small businesses affected by the this. Please advise the reasoning for this. 

Social Media Post Below : If you are a small business owner and you bank with JPMorganChase, they are refusing to qualify you for the XXXX XXXX program as a 1099 XXXX XXXX issued from your Corporation business bank account funds. You must have a " XXXX XXXX XXXX bank account '', in which the XXXX XXXX XXXX bank account had to have been established prior to XX/XX/2020. Since when is it REQUIRED to have a business bank account under your social security number? This is clearly a process of elimination. As a certified XXXX XXXX XXXX, a certified XXXX XXXX XXXX XXXX  and a certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am disgusted with the " GIANT '' bank JPMorganChase taking the Disaster Relief program under the CARES, Act as an opportunity to discriminate against some small business owners and independent contractors such as myself. XXXX XXXXXXXX   XXXX Many independent contractors of small businesses and small corporations will be left out, while the mid-sized and large businesses get the Disaster Relief that they need. It is called the XXXX, XXXX, but is it truly caring? XXXX please ensure your partnering lenders are not taking advantage of COVOID19 under the CARES, Act to meet their own agenda. JPMorganChase vs potentialclassactionlawsuit Please note : I have asked from an exception to be made already. I spoke to XXXX XXXX XXXX, Vice President, Business Banking Area Manager of Chase located at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, GA XXXX T : XXXX ; XXXX ; XXXX ; Email : XXXX. He declined my exception request and simply stated it was nothing that he could do to further assist me with the XXXX loan program. He took it upon himself to say " business owners issue themselves 1099 's to avoid paying XXXX and social security taxes ''. Which is untrue by the way, at least in my case. Some of simply can't afford to just yet. I feel this a from of discrimination and I am highly offended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stuart-Lippman and Associates, Inc
State: FL

Complaint narrative:
Good day, I recently learned that a past debt appeared in my credit score history as unpaid recently. I called the company Stuart Lippman & Associates and they confirm that my debt was successfully paid in 2016. 

I would like to have this corrected in my credit history. I hope you can assist me, Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
I have contacted the collection 's company, United Auto Acceptance, to set up an online account to see my official receipts. The company has stated that there is no online website, over the phone, but they actually do. I have made payments from, XX/XX/XXXX to XX/XX/XXXX, without ever seeing the official receipts or current balance. My XXXX as well as myself have expressed that I need to see the receipts. I have looked online to see customer reviews and they are all the same. The company does not help the customers that are in need of assistance. I can provide proof of payments but as of now I am unable to make any further payments due to their office being closed from the Covid-19 epidemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: FL

Complaint narrative:
My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the in the US Bankruptcy Court of XXXX XXXX, and it appeared on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.

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 2020-04-22 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: WI

Complaint narrative:
On XX/XX/2019 my lender ( XXXX XXXX XXXX XXXX ) where in the process of getting me a pre-approval letter in which they had to pull and or do a HARD INQUIRY on my credit file. 

After reviewing my credit report, it appears that ( 2 ) additional separate manual request where done without my knowledge and/or approval i.e. XX/XX/XXXX, and XX/XX/XXXX all of 2019. 

My lender herein states that they only did one request, but when I spoke with the credit bureau ( today ), they verified that in fact ( 3 ) total where manually requested on the aforementioned dates! This generated ( 2 ) unnecessary and/or unwarranted Hard Inquiry hits to my credit file, and they need to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: MI

Complaint narrative:
Took loan for {$950.00} XX/XX/2020 from Better Day Loans. As of XX/XX/2020 we have repaid {$850.00}. Payed off loan on XX/XX/2020 and was charged {$1200.00}. Which is {$380.00} over the initial principle amount of {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: CO

Complaint narrative:
Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-04-22 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: FL

Complaint narrative:
Negative accounts are reporting on my credit reports that's impacting my credit scores XXXX XXXX XXXX XXXX XXXX XXXX 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