vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: FL

Complaint narrative:
Im simply asking transunion to do the work. My payment history during XXXX for XXXX XXXX shows two late payments on XX/XX/2018 and XX/XX/2018 first off I was never late. Secondly, there are two 30 day late payments showing for those months thats inaccurate reporting Ive included image of payment history to show the inaccuracies please 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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
In XXXX, AMEX increased my credit XXXX from XXXX XXXX XXXX XXXX XXXX. They said it had to do with a decrease in my credit score with XXXX. However, when I checked, I did not have a decrease in my score. I called AMEX to challenge the credit XXXX increase and was not able to get anyone that could change the XXXX back to a more reasonable level. They could not tell me the credit score that I needed to have to reduce my XXXX and they could not/ would not change my XXXX back to the previous XXXX XXXX number. I have been with AMEX for XXXX years and make > $ XXXX. I could not understand how they would treat a good customer like me in this way. There was nothing I could do to talk to someone or change the XXXX. Very frustrating. I would close the card, but the impact to my XXXX XXXX would be quite negative as I have a $ XXXX credit line with AMEX and XXXX {$2000.00} in balance at this time. I always understood that we should be able to call a credit card and they should be able to tell us what credit score we needed to have to change the XXXX. AMEX is clearly not following this and should be investigated for it's deceptive practices serving customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I deposited a {$600.00} dollar check from my XXXX account on the XXXX of XX/XX/2021 to my Current Bank checking account. The check cleared and everything was good. On the XXXX of XXXX around XXXX {$600.00} was removed from My Current Bank checking account because the check that I deposited from XXXX months ago was canceled. After speaking with the Current customer service rep she couldn't give me a good reason other then to check to see if XXXX canceled the check. After speaking with XXXX, they have no documentation on the canceled check. They see the funds going to Current Bank but not coming back to the XXXX account. So now {$600.00} has vanished out of thin air and no one will take responsibility. 

Receipt number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was given fraudulent wire transfer information for purchase of property. The transfer went through and was accepted immediately, even though the bank ( Chase ) did not have matching information on the account. It did not match the name or company I was transferring the funds too. An investigator handling my case forced Chase bank to give him the account information. Then Chase closed the account due to fraud and refuses to refund my money or take any responsibility. My bank has sent a request for return numerous times. Another investigator filed the person who owned the bank to be no such person, non-existent. The amount stolen was {$14000.00}. The bank not only allowed the money to be transferred into an account that did not match any of the information I sent in my transfer form, except for the account number. They also allowed a fake person to create a account, and take out the funds without taking any responsibility for their negligence. 

I've attached the document sent from my bank to Chase for the wire transfer. The name on the fake account was XXXX XXXX XXXX supposedly born in XXXX. This information was given to the police investigator directly from Chase bank. As you can see my transfer request has no such name or even close to it. I requested it to go to a company via the agents name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, Capitol Mortgage Services of Texas, my mortgage company paid my taxes with escrow amount. In XXXX of XXXX, I requested the amount left in escrow to be sent to me, minus the required amount they must keep, my part to be sent to me is over XXXX. 
I have now sent, called and e-mailed over 18 times to receive my money- -they have ignored all request.

I just want the overage money and a statement showing HOW they came up with a different amount, if any, on my escrow money.

I am merely asking what is rightfully mine on this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME 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 non-monetary relief
Consumer complaint received 2022-02-23 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CO

Complaint narrative:
Forbearance and deferment need to be added to the PSLF waiver. So much information I received was incorrect. I was working full time while in XXXX XXXX, and was never told that when they automatically put the accumulating loan in forbearance I would lose years toward PSLF. I could have made payments during this time if I hadn't been steered in the wrong direction. I would be at the 10 year/120 payment mark by now if Fedloan had given me the correct information. This system is broken, and it's breaking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Affrim , Inc. with XXXX # XXXX in the amount of {$1000.00} from XXXX XXXX, XXXX is illegality holding an account that has been filed as fraud since XXXX, XXXX, XXXX. 
Affirm, Inc. was notified XXXX, XXXX, XXXX that the account in collections was listed as fraud ; by their hired, XXXX XXXX XXXX XXXX listed as : XXXX XXXX XXXX XXXX # XXXX and reference # XXXX for loanID # XXXX. - Noted by XXXX. XXXX ID # XXXX XXXX, XXXX. XXXX XXXX XXXX then notified Affirm , IncXXXX XXXX, XXXX, XXXX of the account they were currently holding listed as fraud. XXXX XXXX had not been notified by Affirm XXXX XXXX in over a year ( XXXX, XXXX, XXXX ) as the validity of the account ( stated by XXXX XXXX. XXXX the submitted to Affirm XXXX XXXX on XXXX, XXXX, XXXX a noted fraud collections. Affirm, Inc. was notified and verified of notification on XXXX, XXXX, XXXX by XXXX XXXX and XXXX XXXX XXXX they both verified and confirmed they had not been in response to this notification in over 30 days and they did not notify the listed customer or XXXX XXXX  of any supplied information in over 30 days. ( XXXX, XXXX, XXXX ). To date Affirm, Inc. has still not supplied any documentation or validation of this debt to any parties, nor has it followed fair credit practices to remove any accounts during the supplied and allowed time. 

The original loan was established on behalf of a merchant that was notified XXXX, XXXX, XXXX of fraud, the merchant notified that the order was never fulfilled and the transaction was listed as fraud. Affirm, Inc. was notified that an established fraudulent loan was made and the attempt of this loan is not sufficient as the merchant never fulfilled order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TX

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX andstill nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATEOR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am name is XXXX XXXX XXXX and this this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under XXXX XXXX  days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX  XXXX Balance - Bankruptcy chapter XXXX Reference number : XXXX Amount : -

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 2022-02-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX and PREFERRED LEASE XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

This is identity theft. They stole & furnished my information without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found an erroneous unknown inquiry reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX, XXXX XXXX Inquired on XX/XX/2020 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I applied for a mortgage loan through Navy federal, to see how their rates stacked up against my current lender, XXXX XXXX. XXXX XXXX was assigned as my loan officer and we began to move through the process. Rates were rising so XXXX XXXX  said it may be worth looking at locking the rate. My builder provided a {$3500.00} credit for using XXXX as a lender but I wanted to see how the rates compared with NFCU still. 
On XX/XX/2022 I was provide a rate lock quote from XXXX XXXX, Navy Federal Credit Union. The rate lock was for a new construction VA loan, and was quoted at {$570.00} to lock the rate for 120 days. I confirmed with XXXX that the cost to lock that rate for 120 days was only {$570.00}, she confirmed, so I asked her to proceed with the lock. At this point the rate was slightly cheaper to go with NFCU, even with the {$3500.00} lender credit from XXXX. After she locked the rate and presented me with my new loan estimate, I noticed that the cost of the rate lock had doubled, and she also added an origination fee of {$2200.00}. 
I immediately reached out to XXXX and asked her about these cost increase and requested that NFCU honor what I was quoted. After multiple attempts to call and email her, she finally responded and said that she had fixed it. The new loan estimate came back and the rate lock fee was reduce to the {$570.00} but the {$2200.00} origination fee was still on there. I reached out to here multiple times again with no response and finally had to call NFCU. I spoke with her supervisor XXXX XXXX and she said that she was submitting to the pricing desk and would get back with me ASAP. I never heard back from her and then a week later XXXX emails me and says that she disclosed the origination fee when she quoted me, which is completely false and I have the emails to prove it. It has been almost a month of me trying to get this fixed and there is still no resolution. They are requesting loan documents from XXXX XXXX, which I no longer have access to since I dropped them as a lender, in order to match the rate. I am not asking for any type of rate match or lender credit match. I am asking that Navy Federal honor the rate that I was quoted and not stick with me and extra {$2200.00} in closing costs for an error that was made by their loan officer.

I would like for this complaint to be escalated and known to NFCU, in hopes that they can help remedy the situation. In all other aspects of banking I have had no issues with them, but this latest loan process has been an absolute disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Looking at my credit report and it showed that that this account was open on XX/XX/2021 and its looking like its and old debts that reappear on my report as if the collection agency changes the date of delinquency to make that account look newer. I need them to proof to me when I open this account on the date that its showing in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am a co-signer on a few student loans with my son as the primary borrower. The lender is XXXX XXXX and the loan servicer is Navient. 

The loans have been in deferment/forbearance since his graduation in XXXX. Interest only payments have been made when required. 

I received a few calls from Navient in late XX/XX/XXXX advising me that the loan payments were delinquent. The representative asked if I could pay the approximate {$1000.00} outstanding balance, a partial payment ( 1 month ) or even {$50.00} to prevent the account going into collections and affecting my credit score. Since this was the first communication regarding an arrearage, I wanted to verify this was in fact Navient and be provided a statement from them detailing the account status. 

Although the rep confirmed my email & physical address for identification purposes, she stated that they could not send a statement to a personal email address. I asked for a paper statement to be mailed to me instead. She then indicated that it would take 5-7 business days to receive and the account would be referred to collections by then. I have still not received any confirmation statement from them. Their website ( through XXXX XXXX ) is not very user friendly and is difficult to access. 

I spoke to my son shortly after that call in XXXX and he said he had not received any calls/messages from Navient over the prior 2 months as the rep had indicated. He said that he reached out to them for alternative payment options and that the account is now up to date. 

Despite this history, I continually receive calls from who I believe is Navient. Without recognition of the source, no messages have been left stating the identity of the caller and/or the purpose of the calls. Ive been receiving 2-3 calls a week and at inconvenient timesaround or after dinner, weekends and XXXX XXXX XXXX  XXXX. The latest were yesterday ( XX/XX/XXXX ) at XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) around XXXX AM, XXXX  ( XX/XX/XXXX ) around XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) at around XXXX PM. 

I feel these practices are harassing. If they want/need to speak with me, leave a message with the pertinent information, text/email and/or mail a paper statement to me ( theyve already confirmed having that information ). 

My concern is that they are documenting these calls as contacts and non-responses from the borrower. If so, will they classify the account as delinquent and send to collections? This would unnecessarily affect my outstanding credit rating negatively. 

Thank you for your time and assistance with this situation.

Company response to consumer: Closed with explanation