vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Hi, My auto loan was paid off in full on XX/XX/2021 and in XXXX I received a late payment alert from XXXX. I contacted Chase Auto and XXXX XXXX bout the issue and provided receipts from my bank statements showing I never missed a payment &, copy of the check from the insurance company. 

I also sent a copy of the refund check of {$120.00} from chase because I was still paying my car note even AFTER my insurance company paid chase auto because I was told by a chase auto represenative that they had to update my account and that I still had to pay up until they did. This error has affected my credit scores and XXXX XXXX and chase has not been cooperative. Chase is lying saying I owe {$410.00} and I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit report. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/2021 30 day demand XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC.
State: NV

Complaint narrative:
We have been experiencing an extreme lack of communication and support from our Mortgage Bank, Axos Bank, since the begining of XXXX, XX/XX/XXXX. Axos Bank, has made it so difficult providing by phone assistance, to provide solutions, resources, information, about helping clients in need due to the pandemic. We live in XXXX XXXX and we lost our job for 22 years in the XX/XX/XXXX. Which has made us first handed impacted by the pandemic. Always looking for solutions in these unpresented times ; Loosing our income has made us vulnerable to banks in how they can help us keeping our home. Axos only has provided one e-mail to contact the XXXX XXXX, which it's their pandemic help department. Some times, like now, they don't even reply. 
Which lead us to contact HUD this Monday XXXX XXXX XXXX, looking for help to assist us contacting the bank. HUD redirected us to XXXX XXXX to help us talking to the bank for a loan modification or extending our forbearance and most important to communicate with Axos since our forbearance will expire at the end of this month. 
Even with the lady from XXXX XXXX, doing a three way call, we were 1 hour plus waiting to talk to someone from the porfolio managment department. And NO answer. Someone picked up from the main menu and took a message saying they will contact me in 24 to 48 hours and " NOTHING. '' This has been the norm with them for the past 17 months. Only once we have been able to talk to that department since the begining of the pandemic. ~NOW, we wrote three e-mails since XX/XX/XXXX, not counting the many many e-mail we have sent this past year, and no reply yet. It has been really challenging to deal with this bank, we had another property and the bank in charge was XXXX XXXX and they were impecable with its resources and availability to help its clients which makes it so hard to believe what Axos bank is doing now to its customers ; neglecting us from help and communicating in these difficult times of adjustment and some how very scary. We are really sad this kind of behavior it's present in this Country. Shame on you AXOS BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit acceptance reported the account in a collection status in XX/XX/XXXX and XX/XX/XXXX they started reporting this as an open account, and stated I was missing payment. They have not provided anything to me regarding this account and I am requesting it be removed from my credit.

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 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ON XX/XX/XXXX EQUIFAX MAIED ME A COPY OF ITEMS ON MY CREDIT FILE THAT HAS BEEN THERE FOR OVER SEVEN ( 7 ) YEARS, ONE WAS XXXX XXXX. THIS COMPANY HAS BEEN OUT OF BUSINESS SINCE XX/XX/XXXX. THE ACCOUNT HAS BEEN CHARGE-OFF AND CLOSED. EQUIFAX CONTINUE TO SHOW THIS ACCOUNT EVEN THOUGH THE COMPANY HAS CLOSED THE ACCOUNT WITHOUT SELLING THE DEBT TO A COLLECTION COMPANY. THE CEO OF XXXX PASSED AWAY AND THE COMPANY IS IN THE PROBATE COURTS. NO COLLECTION AGENCY HAS BEEN ASSIGNED. WHO IS XXXX XXXX. I HAVE ASK FOR COPYS OF SIGNED PAPERS WITH MY SIGNATURE BUT XXXX XXXX HAS FAIL TO PRODUCE. XXXX PRIMARY PHYSCIAN HAS USDED SEVEN ( 7 ) COLLECTION AGENCIES TO COLLECT {$100.00} FOR THE LAST ELEVEN YEARS AND EQUIFAX HAS NOT PAID ATTENTION TO THAT. 
THIS COLLECTION AMOUNT HAS BEEN ON MY REPORT BY SINCE XXXX. THE STATURE OF LIMITATION HAS PASSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: 391 Financial, Inc.
State: WI

Complaint narrative:
I receive multiple calls a day for them, followed by multiple text messages. I have also been receiving calls at work which I have asked them not to contact me there. I have asked for the frequency to stop and now I've received a letter threatening to report to the credit bureaus to hurt my credit. 
I have tried to work with them and make payments that work with what I can afford, but the repeated calls 3-4 times a day is excessive and not needed. It's harassing and not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX a natural living person never gave Transunion permission to report INACCURATE information on my consumers report define 15 USC 1681 B ( 2 ) its been 60 days since i sent them my affidavit of truth! an no 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 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Now over 120 days later I have not received one word about my inquiries and more importantly about the inaccurate items reporting on my credit report published by Equifax, XXXX and XXXX XXXX. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 128 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Good afternoon, I am a Federal Student Loan borrower with Fed Loan Servicing. I have met the criteria for public service loan forgiveness and my ( well over ) 120 payments were certified in XXXX. Fed Loan Servicing did not provide me with correct information and as a result I did not submit my final application for forgiveness until XX/XX/XXXX. On XX/XX/XXXX Fed Loan provided a letter stating that they needed additional time to review the application. 6 months have passed and I have not received any additional information. I've reached out to Fed Loan on multiple occasions and they will not tell what specifically is being reviewed, what specific progress has been made on the review including dates, if there are any problems with the application or if I need to submit any additional information. I am aware that processing is slow ; however, this appears to exceed the typical processing time. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2021 I sent a letter to Experian in regards to their investigation with XXXX XXXX XXXX Experian is reporting incorrect information that is hurting my credit report and I asked them to re- investigate and send supporting documents under the Fair Credit Reporting Act Public Law 91-506, Title VI Section Subsection 611 A-D. They haven't sent no supporting documents on their claims that's information they are reporting is correct.

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 2021-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: AES/PHEAA
State: CO

Complaint narrative:
In XXXX of XXXX, I missed payments to FedLoan. Throughout XXXX, my payments were {$0.00}. I was unaware I needed to submit a new income form in order for my payments to be recalculated. In XXXX of XXXX, I was emailed from a credit monitoring company saying I had missed 45 payments ( 15 loans missed for 3 months ) and my credit had been drastically impacted. When I called FedLoan, they stated they tried to call me XXXX on a phone number that was changed 3 years previously & the new number was on all loan documentation ) and that they tried to email me ( but customer service said they could not see the actual email & upon checking my junk mail and trash there was nothing ). They did not attempt to send me anything in the mail. They broke the law by not informing me I had payments due and it has destroyed my credit for years. I hired a law firm to fight it, have filed multiple disputes with credit companies, and every customer service person through fedloan has agreed that I should file a complaint explaining the loans were fixed once I called & explained the situation. But it has not been taken off of my credit. I filed three internal credit appeals with FedLoan, countless appeals through XXXX XXXX & XXXX to no avail. I paid over {$1000.00} for XXXX XXXX to file appeals to FedLoan over the course of at least a year to no avail. As a last resort, I faxed a letter of good faith a few weeks ago explaining the situation & was again denied by FedLoan. They broke the law by not contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
the original loan officer XXXX  # XXXX took a loan refinance application from me after I applied online through ROCKET MORTGAGE. Loan Officer ran my credit, asked for my income scenarios, almost declined me on the spot, until i told him my wife has part time job. he was not interested in seeing my entire financial picture or tax returns and was declining me based on verbal income verification. then he asked for two years w2 from my wife 's part time job and disappeared on me. when i reached him a week later, he said my application is simple passed to another loan office. there has been no communication from him except passive responses to my complaint. I like to know how they can deny me without looking at my full taxes, and why they are not responsive, except to pass the blame and use excuses only when I ask him for explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

XXXX is a creditor as defined by 15 USC 1692a ( 4 ). 

XXXX alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

XXXX is a corporation whose residence is in the state of PENNSYLVANIA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account since XX/XX/XXXX and XX/XX/XXXX 

XXXX has failed to supply any record of payment under the original creditor XXXX XXXX as requested and has not verified the claims of the late payments. 


ALLEGATIONS/COMPLAINT : -XXXX  in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. 

-XXXX  in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- XXXX has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.

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 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

XXXX is a creditor as defined by 15 USC 1692a ( 4 ). 

XXXX alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

XXXX is a corporation whose residence is in the state of PENNSYLVANIA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account since XX/XX/XXXX and XX/XX/XXXX 

XXXX has failed to supply any record of payment under the original creditor XXXX XXXX as requested and has not verified the claims of the late payments. 


ALLEGATIONS/COMPLAINT : -XXXX in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. 

-XXXX in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- XXXX has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
On XXXX Citizen 's drafted my XXXX XXXX checking account not only for my mortgage but for a second loan, with a different loan number and different name on the account. So they drafted my account for my correct loan amount of {$3100.00} AND they drafted my account for an additional {$290.00} for a loan belonging to Mr. & Mrs. XXXXXXXX ( not me ). 

On XX/XX/21 Citizens did the same thing, with the exception of this time Mr. & Mrs. XXXX XXXX loan was drafted for {$230.00}. 

On XX/XX/21 I contacted Citizens XXXX to explain to them what they were doing and to the get it corrected. After explaining the situation to 4 different customer services representatives, telling the last one who seemed to understand the problem, the name and account number of the incorrect loan draft, which got her to take me seriously. Prior to that everyone thought I misunderstood what was happening or that XXXX XXXX made the mistake. I was told a " Supervisor would investigate and call me back with in 24 hours ''.

72 hours later I had not heard anything from the mystery supervisor, so I called back, explained the story yet again. Gave the account number, account name dates an amount of the drafts of the incorrect loan draft yet again, and the customer service rep said I needed to provide a XXXX XXXX statement showing proof of the drafts coming out of my XXXX XXXX account. Despite questioning why Citizens could not look at the drafts in question and see where they were coming from, I obliged and send in my XXXX statement showing the requested information. Later that day XXXX received a call back from Citizen Customer Service thanking me for sending my statement over and then asking me for my XXXX account number and the XXXX ABA number. Again, Citizens already has this information as I provided them with a voided check originally to set up the auto draft payment for my mortgage. I was driving in the car when I received this call and told the CS Rep that didn't not know the XXXX XXXX ABA number off top of my head. This seemed to fluster her. I asked when I could expect a refund of the {$520.00} that Citizens has mistakenly taken from my XXXX XXXX account that was used to pay someone else 's loan. I was told they would be back in touch with me. 

XX/XX/21 Still no resolution on this problem. So I emailed Citizens XXXX XXXX  Customer Service where I had sent my account statement to previously and I got a response that I should call customer service. I don't have the patience to speak to another Citizens customer service representative. I have spent over 1 hour on the phone with there Customer Service department and given my Name, address and SS # at least a dozen times, yet not once has Citizens acknowledge, forget apologized, for their mistake, for my hassle and aggravation to fixed a problem that their internal controls/audits show have never allowed to happen in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
OnXX/XX/XXXX I received an email from TD Bank " thanking '' me for opening a checking account with them. I never opened any checking account with TD Bank, let alone the fact that there are no TD Bank branches within a hundred miles from where I live. 
I called TD Bank the same day and spoke with their fraud department. Initially they refused to help me, demanding more information about my identity. Reluctantly, I provided my SSN, and they confirmed that, indeed, a checking account was opened in my name, using my full identity. When I asked if there were any funds in that checking account, they could not give me that information claiming the account " is not technically '' mine. They promised, however, to block the account and told me to report the fraud incident to the police and to the credit agencies, which I did that same day. 
However, on XX/XX/XXXX I received a packet in the mail, containing cheque books with my name and address printed on them. This indicates that TD Bank either did not block the account or is too slow to address the issue.

Company response to consumer: Closed with non-monetary relief