vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was placed in administrative forbearance multiple times over the past two decades which has caused me to still be in this situation with this company. 

I will attach an email I received 9 years ago from the company. I didnt know what I could do then, now I know these things would be servicer errors. 

In order to fix their mistake of not sending me repayment information, they would just put me in forbearance. When I ask about it, I am told that they can not talk about what happened past the 7 year mark. Now I have 4 different issues because this moved to XXXX from XXXX XXXX. 

I didnt know I would not be put back in forbearance since that is what had happened for almost 2 decades. 

Attached is the list they sent me on XXXX  of what they did over the years. Two periods where I am in forbearance for 3-4 years. One, the time with XXXX  XXXX XXXX, was a time I was enrolled for one week. Yet they claim I was enrolled for 4 years, the school confirmed they informed that was incorrect. Another, 3 years, they said it was to cover gap from last date of attendance no other real reason. 

They would place me in forbearance or deferment for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Hi, I've never had an account with this creditor or this debt collector that has reported this inaccurate and negative information to all three credit bureaus such as XXXX, XXXX and XXXX. This account was opened in XXXX, XXXX of XXXX. XXXX being the creditor. I have not owned or driven a car in over 10 years, I haven't had any reason to acquire any service from XXXX. My credit rating and standards are being effected because of this inaccurate and negative collection of the amount of {$580.00}. I do not recognize XXXX or Caine & Weiner Company as any business that I have any legitimate contract or agreements with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX keeps reporting the account as 60 days past due. The account has had a zero balance for 45 days or more now. They were suppose to correct the problem. Account is still not reporting correctly. 

XXXX has me at 30 days. this is in dispute too. But atleast it doesn't have me at 60 days and is showing a zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting 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:
According to FCRA 605B, incorrect accounts should be removed from reports. Could you review the documents? The accounts on my report are incorrect, and it's making me feel upset and unwell.

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 2024-02-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Lost job was not able to make payments. Family members and I became homeless due to being evicted from property at XXXX XXXX XXXX XXXX XXXX Now In Ohio I have health issues and is receiving treatments for my condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I have many complaints with the company PennyMac. First, I did not choose to do business with this company. In fact when I applied for the loan I was told it would be sold to a different company and then it got sold to this company. This company has been extremely difficult to deal with as they refuse to send information in the mail as requested. ( I have requested that they send me in writing via XXXX XXXX mail their process and requirements for doing a recast. Their amount needed to recast is far higher than any other company I've ever dealt with. They also refuse to be exactly clear on what they constitute as good funds. Everytime I deal with them they constantly add new conditions or change what they said. They delete messages through their message system in too short of timeframe and never notify me that there is actually a response to my problem. Most recently they notified me that their was an escrow shortage and told me that they I could reduce the monthly payment by paying extra escrow. I did pay extra on the escrow and they have refused to reduce the escrow amount. They now claim that only a larger payment can reduce the monthly escrow and refuse to refund the amount paid. I only made extra escrow payments on the condition that it would reduce the monthly amount because they were unclear that I needed to make a very large payment to reduce the escrow amount. Every other company I have dealt with has reduced the escrow payment needed by adding even a little additional escrow. I have asked to opt-out of all sharing and marketing. They send deceptive marketing with envelopes saying important loan information when all it is is a deceptive marketing ploy to get a refinance at a much higher rate. Marketing is never important, to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting 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:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are transactions for withdrawals that were declined but show as if they were made. 
Then there were multiple transactions made from XXXX that I never made. I asked for all my past statements so I can look through them and found these discrepancies I didnt see until now. I filed claims with boa prepaid claims dept and am waiting for them to honor their XXXX fault policy to refund me from my loss. 
They had already put me through alot. Freezing my accounts making me verify who I was. They have footage to prove these transactions were not made and should be more helpful their customers.

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 monetary relief
Consumer complaint received 2024-02-27 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: VA

Complaint narrative:
On XX/XX/XXXX, I sent Navient a Cease and Desist letter stating to cease all communication to my friends, affiliates, and my employer and they have continuously harassed me through my employer and other affiliates as a result after the letter was sent.They reached out again to my employer on XX/XX/XXXX XXXXwhich violated the cease and desist letter. I have voicemails and text message of the exchanges. This is a form of harassment and must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: WY

Complaint narrative:
After getting CMG mortgage response from my last complaint. They say I missed a payment and was late on another. This is inaccurate! I believe they didn't fix the problem to begin with. I would like to know if I can request an independent audit on my account. This company is either illegal, or don't know what they are doing. If they are doing this to me, how many others are they doing it to?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting 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:
According to FCRA 605B, incorrect accounts should be removed from reports. Could you review the documents? The accounts on my report are incorrect, and it's making me feel upset and unwell.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XXXX XXXX failed to get me the pair of shoes I purchased. I took this up with my Chase, after XXXX said they can not do anything for me.

At first Chase credited my account, however they just took that away.

This is a fraudulent charge, as I never received and took possession of those goods.

I would like Chase to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX a wire transfer was made from my account to a XXXX XXXX account for {$35000.00}. That was unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I ordered clothing to try out and send back. I did not like the clothing, so I returned it within the time required, but the company charged me anyway and now refused to refund my money, even though they received he clothing back. 

I disputed the transaction with Bank of America, who refused to refund the money that was stolen from me.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: MA

Complaint narrative:
I found XXXX dollars of fraudulent charges. Called Direct Express they shut off card took 17 days to get a new card. The paperwork took even longer to get to me. With the new card they were suppose to put money lost back on card for me to use. They didn't do it. The money taken was every XXXX I had. Today when I called they said the money won't be returned til XX/XX/XXXX XXXX! I've had more problems with direct Express. I need my money. I'm on XXXX. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
The credit card issuer is Citi bank. I have never used the card at all, not even once. All of the transactions were fraudulent. On XX/XX/XXXX I asked to dispute all transactions and to close the card and be sent a replacement. The new card was also compromised with fraudulent transactions. On XX/XX/XXXX, due to the fraud risk, I asked to dispute a new {$15.00} transaction and to permanently close the account as I do not want it any more due to fraud risk. I spoke with an agent named XXXX who agreed to permanently close the account. Today, XX/XX/XXXX, I called again to confirm the {$15.00} transaction had been removed as fraud and spoke with XXXX who was the supervisor. Not only did XXXX not dispute the transaction as fraud, but he also never permanently closed the account. Instead, he only sent me another card which I do not want.

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 monetary relief