vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-06 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: MI

Complaint narrative:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax, XXXX XXXX, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: MI

Complaint narrative:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. XXXX, XXXX XXXX, and Experian have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2022-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
This home has a homestead exemption in place due to status as a service connected veteran. All homestead documents to that effect were completed and signed at closing on XX/XX/2021 & the homestead was approved by XXXX XXXX, XXXX XXXX is the lender. ( Nationstar/Servicer ) Some months later, I was sent a letter stating the mortgage was going up due to an escrow shortage for the property taxes. I spoke with several managers & advised with the Homestead exemption that there should be no shortage, my payment has yet to be modified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
TIN : XXXX Chase Acct # Acct # XXXX I had business credit line opened with Chase bank in XXXX, MI in about XX/XX/XXXX which was completely paid off in XX/XX/XXXX to XXXX XXXX. Despite zero activity since then Chase automatically starts withdrawing {$300.00} from my other personal accounts into business line of credit for which balance was zero. So, my business line of credit keeps going more and more negative and with-drawl from my personal accounts without any reason without my permission, when I owe zero in reality on that line of credit. It was very complicated to get anyone on line to resolve it. After much efforts, time wastage during work hours, I got money back into my account on XX/XX/XXXX. But after few days on XX/XX/XXXX Chase does same thing, it again withdraws another {$300.00} and now my account is again negative by {$300.00}. 
I believe it MUST STOP. Chase needs to pay me double with interest for doing this. 
How many small businesses is Chase doing this? I would like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I sent a letter to JPMCB Card Services and i have not hear from then. This was a a notice informing JPMCB Card Services that they have violated federal law because the date furnisher ( then ) fail to send a written notice prior to or with in 30 days after accounts, collections, and late payments to my credit report without sending me a written notice as required by federal law section 623 ( A ) ( 7 ) ; 15 U.S.C 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( B ) ( 2 ) ( ii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I had a credit card with XXXX XXXX XXXX credit card. My payments were always on time. The card was closed apparently due to excessive debt ; I use less than 10 % of my total credit line. I applied bfor a credit card from XXXX 's XXXX ; a competitor and my card was close almost the same day. This was an unfair practice without justification.

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 2022-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
My wages was garnished by a company called XXXX XXXX XXXX first back in XXXX I contracted the company on the behalf of the garnishment at that time I was informed that they have no record of me or an account showing I owe a balance. I checked my credit report and disputed the item and the item was removed per company could not provide documentation proving that I am the debt owner. As I check report the the debt is in a different name. I continued to contact company from XXXX in regards to the funds stolen from my wages as I am a single mother of 4 that can not afford to have a mixup like this. The company provided no help in getting me my funds back. As I contacted my payroll department they informed me that Messerli and Kramer is who I need to speak to. I have never heard of this company I have tried to contact the company but no XXXX they just was trying to get my personal information which also put up a red flag. So now that the item was removed from my report per lack of proof and also never receiving any documentation advising of the garnishment I have tried to contact different agencies to help with the fraud this company is doing. Recently my wages was garnished again by the same company after 4 yrs and I tried to contact XXXX XXXX XXXX  again but now the company no longer exist I am connected with another company which again I am informed that they have no record of me having an account nor owing any funds. I have requested proof of debt owing from company which does not provide proof of my address only but actual proof of me being the debtor which they could not provide. XXXX XXXX XXXX are no longer on my credit report but I was informed that there is a judgment which is not in my name but attached to my SSN. XXXX XXXX XXXX removed there inquiring in XXXX which is when the garnishment first started but some way Messerli and Kramer is collecting on an account that does not belong to me and refuse to provide proof. I have requested for this to stop per I have never received any legal court documents from Messerli and Kramer. I was only aware of this issue per the garnishment and my payroll department informing me of the company requesting and taking my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This vehicle was my XXXX XXXX vehicle and she was involved in a total loss accident. We were told by XXXX that the vehicle was paid in full by the XXXX XXXX  and that we would receive a refund for the early payment that we made. We purchased a new vehicle for her. After a few months, I saw negative marks on my credit report and I called XXXX. I was Told that we had to pay our deductible. We never received a notice or anything in the mail. I paid It right away over the phone. I was Told by XXXX that they would correct this error. I have been fighting this for years and its the only negative mark on my credit. Please help me. Thank you.

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 2022-02-06 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
This vehicle was my ex wifes vehicle and she was involved in a total loss accident. We were told by Hyundai that the vehicle was paid in full by the gap insurance and that we would receive a refund for the early payment that we made. We purchased a new vehicle for her. After a few months, I saw negative marks on my credit report and I called XXXX. I was Told that we had to pay our deductible. We never received a notice or anything in the mail. I paid It right away over the phone. I was Told by XXXX that they would correct this error. I have been fighting this for years and its the only negative mark on my credit. Please help me. Thank you.

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 2022-02-06 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: NY

Complaint narrative:
I had 11 accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through XXXX  XXXX service. XXXX listed the 11 accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my credit score and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX  XXXX, and all credit bureaus and it continues to 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 2022-02-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had 11 accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through XXXX  XXXX service. XXXX listed the 11 accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my credit score and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX XXXXXXXX, and all credit bureaus and it continues to report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: NY

Complaint narrative:
I had 11 accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through XXXX XXXXXXXX service. XXXX listed the 11 accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my credit score and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX XXXXXXXX, and all credit bureaus and it continues to report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XX/XX/22 I applied online for a 2nd mortgage for an investment property loan with Wells Fargo Bank. A representative contacted me and indicated he would be sending me a pre-approval within the next few days. A few days later, he told me I could expect the pre-approval letter " by XXXX ''. In the meantime he requested I send bank statements, W2s, employment verification and a copy of my identification. I sent everything he requested. Once I verified he had received my documents, problems began. He stopped communicating unless I reached out to him. He told me several contradictory statements about the loan. He told me the loan was reviewed by the underwriter who needed 25 % down or a cosigner. When I agreed to that term he then told me the underwriter needed me to address a dispute Id made to my credit report. After I explained the dispute he then told me I needed to provide another bank statement. When I submitted another bank statement I also complained about how my loan request had been handled. Last week, as a denial, I received a letter stating Wells Fargo did not offer the loan package I had requested as the reason for the denial. The loan type listed was " conventional '' which Wells Fargo does in fact offer. I began sending courtesy copies of our emails to a bank manager who never contacted me. My credit score was within their parameters for the loan, I have steady long term employment and my debt to income is low. I believe I have been subjected to loan discrimination due to my race.

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 2022-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Scratch Services, Inc.
State: MD

Complaint narrative:
I had set up payroll allotments ( automatic payments out of paycheck ) which was required by XXXX XXXX to pay the loan. The payments were not applied to the loan in timely matter due to the loan servicer Scratch. There was issue on behalf of the loan servicer applying the payments to the account. There are late payments on my credit report, that I requested be removed. I have still not received the {$95.00} overpayment after my loan was paid off.. The account is paid in full ( see attached letter ) but is still showing a balance on my credit reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
This company claims that I owe a debt to them. They then turn around and sent my personal information to a so call attorney/debt collector who has my address.Never did I enter into a contract with anyone. The home was left to me by my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: NV

Complaint narrative:
i have sent numerous letters and have not received any responses from the bureaus. Nothing. it has been XXXX months now and i still have nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: NV

Complaint narrative:
i have sent numerous letters and have not received any responses from the bureaus. Nothing. it has been 6 months now and i still have nothing.

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 2022-02-06 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: NV

Complaint narrative:
i have sent numerous letters and have not received any responses from the bureaus. Nothing. it has been 6 months now and i still have nothing.

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 2022-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MD

Complaint narrative:
I have secured credit card from XXXX XXXX XXXX serviced by Elan Financial Services. Made ACH payments to pay credit card payment. The lates were caused by error on behalf of 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 non-monetary relief
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
HYAT, HAYT, & LANDAU, P.L., a third-party debt collector violated my right to privacy by illegally obtaining my location information, sending me a debt collection notice alleging that I owe a debt whereas a debt collector can not make such, and identifying themselves as a debt collector but falsely misrepresenting the communication as being from an attorney. I did not provide them my location information and they did not have consent to contact me in reference to the collection of an alleged debt.

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 2022-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
Yesterday, as of this writing, I attempted to access my Coinbase Account ( it is the standard account, not pro, or any other special name ) where upon entering my credentials I was prompted with a " new '' user agreement, and an account upgrade, both of which I declined. From then on I've been unable to access my account or manage my funds in any way. There should have been notice of this locking out of the account. I had no indication that I would not be able to access my funds without agreeing. I've contacted Coinbase about this, but in the mean time this company is keeping me from making decisions about the funds that I've entrusted them to hold.

Company response to consumer: Closed with explanation