vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/2022 Report requested by XXXX XXXX XXXX  for a mortgage XXXX  XXXX obtained a report from XXXX XXXX in XXXX, PA. 

The report provided the credit score from each agency, XXXX, XXXX & Experion. 
For each agency there were scoring descriptors that were incorrect and that could not be substantiated by the data. XXXX XXXX was contacted and explained that the scoring model is originated by XXXX XXXX XXXX. 

After contacting XXXX XXXX, XXXX and FICO, no one accepted responsibility for the errors. 

Descriptors used - " level of delinquency on accounts '' " too many consumer finance company accounts '' " insufficient length of revolving credit history '' were inaccurate. 
I have {$0.00} balances, XXXX delinquencies and my revolving accounts have aged beyond 15 years. 

These descriptors impact the credit score which impacts the lending agencies decisions.The data analytics require correcting and the reporting agencies including XXXX XXXX are equally responsible.

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 2022-03-22 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have accounts that are not reporting correctly, they are charge offs and late paymenst and accounts I do not recongnize to be mine see letter of explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent in a formal request for an investigation on XX/XX/2022, in which they received the letters on the following dates : Transunion XX/XX/2022 XXXX XXXX XXXX, 2022 XXXX XX/XX/2022 I never received written and actual proof of verification with a hard wet signature NOR did I receive a response at all. I sent in a 30 Day notification letter on XX/XX/XXXX, in which they received on the following dates : Transunion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 According the FCRA, these items should be deleted. I am expecting the attached accounts be deleted for non-verification.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent in a formal request for an investigation on XX/XX/2022, in which they received the letters on the following dates : XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX  Equifax XX/XX/2022 I never received written and actual proof of verification with a hard wet signature NOR did I receive a response at all. I sent in a 30 Day notification letter on XX/XX/XXXX, in which they received on the following dates : XXXX XX/XX/2022 XXXX XX/XX/2022 Equifax XX/XX/2022 According the FCRA, these items should be deleted. I am expecting the attached accounts be deleted for non-verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I've created a fraud report with Identitytheft.gov, reported multiple CFPB complaints ( XXXX ) about the XXXX card on my account that I have never seen or have had access to. This was a result of identity theft. I have filed a police report with my county 's department. Nothing has been done. The account is still showing on my credit report. This is not my card. The last time I filed a report the company said that I am responsible even though I didn't open this card nor have seen it before in my life? This is not acceptable. I am a victim to identity theft, and I have never had the card in my possession. This card is not my responsibility and it removed. I feel that no one is taking this serious. 

Attached is the police report, identity theft report and the account information connected to this card.

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 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Sender Name : XXXX XXXX Business name : XXXX XXXX XXXX Bank : Bank XXXX XXXX Account number : XXXX Email used for XXXX : XXXX. 

Receiver Name : XXXX XXXX  Bank : XXXX Account number : XXXX Phone number used for XXXX : XXXX Transaction number : XXXX Amount : {$5000.00} Issue : Reversed transaction was taken out from the receivers account but not deposited to the senders account. 

On XX/XX/XXXX XXXX XXXX sent {$5000.00} to XXXX XXXX through Bank XXXX XXXX XXXX using their XXXX quick pay service. XXXX XXXX received the money right away. However, after receiving the money, we decided to reverse the transaction, so XXXX XXXX called Chase bank and ask them to reverse the transaction. Chase bank took the money out from XXXX XXXX account and said they reversed the transaction, and that it will be deposited within 6 days. Its been almost 40 days the money is not in XXXX XXXX account. 
We contacted chase bank and they keep telling us they sent the money to bank XXXX XXXX. We opened a claim, and they closed the claim saying they already sent the money to bank XXXX XXXX. Each customer services representative we call give us different information. We even went to their local office and did not get any help whatsoever. Every time we call chase, they give us the run around and they try to push the responsibility to Bank XXXX XXXX. Bank XXXX XXXX also keep telling us they never received the reversed transaction and closed the claim we opened with them. 

*Please find attached XXXX XXXX bank statement from bank XXXX XXXX and XXXX XXXX bank statement from XXXX as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax XX/XX/XXXX Confirmation XXXX. See Attached. 
XXXX 's XX/XX/XXXX Lost or Stolen, not me, hackers tried to order a huge amount of stuff. XXXX 's called me and stopped it. The account above this one dated XX/XX/XXXX is mine. This looks like I have two accounts, I only have the one. Take the XX/XX/XXXX off. The hackers are in XXXX XXXX FL, see attached, they changed all my contact info with XXXX 's, I got this statement online, my account is now changed back to me in Kansas. 

Hackers applied for credit, 9 companies dated XX/XX/XXXX to XX/XX/XXXX using my personnal information, which makes it looks like it was me, but it is not. The address in XXXX XXXX, FL is who did this. These hard inquires are pulling my credit score down. I DID NOT APPLY FOR CREDIT WITH THESE COMPANIES. Who would apply for credit this many times in such a short period of time?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For several years I have been unable to get my Equifax credit report from XXXX. After answering the questionnaire, it tells me " online delivery unavailable ''. I've called Equifax a number of times and the only response I get is that the problem is with XXXX  and I must request the report by mail, which means I must pay to send it via certified mail due to the confidential nature of the documents they require to prove my identity. ***I do not have this problem with requesting my credit report from XXXX or XXXX I emailed the upper management at Equifax on XX/XX/XXXX and XX/XX/XXXX ( see attached ) to no avail, and then started calling them again. Customer service tells me the problem is with XXXX. When I contacted XXXX, they sent me papers that were completely unrelated to the issue. They also said the problem is with Equifax, not them. It's a run-around. 

I sent an online complaint to XXXX  on XX/XX/XXXX and have not heard back from them yet, but don't expect a resolution if their history is any gauge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I paid off a credit card by phone on XXXX, XXXX on XXXX XXXX XXXX they said i still owed them {$25.00} for interest. i called them, i was told it would be taken care of. that it was a mistake. on XX/XX/2022 i received a notice that i owed them {$51.00}. I called them again and asked what this was for. I was told, it was interest on my bill. i asked them how do you get interest on a 0 balance. I was told that i still owed them. even after they were paid off. I was told they forget to add the interest on the pay off amount. I do not feel I owe them any thing. I paid {$1900.00} on XXXX by phone. I was told at that time, {$1900.00} was the pay off.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In late XXXX I discovered that Equifax was not pulling any of my data, offering the code NH for No Hit. On XX/XX/XXXX, I faxed required information that a representative told me I needed including a social security card, an ID, and a piece of mail with my name and current address. On XX/XX/XXXX, I received a letter from them that told me the information I gave them was not matched on their files, which the problem being I currently have no file. On XX/XX/XXXX I mailed them another letter with information including an ID and social security card. It is now XX/XX/XXXX and I still have not received any correspondence, despite them saying it may take up to 5 business days. 

I have no issues with XXXX or XXXX XXXX, but the issues with Equifax are preventing me from pursuing an apartment and moving forward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management has not validated this debt validation letter has been sent over 90 days midland has not responded my Identity has been compromise on dark web from XXXX XXXX midland credit has been calling my personal number the FTC has been notified of harassing my personal life I have never did any business with midland credit management or any affiliate my SSN has an freeze with all three credit Agency I would like this debt be removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
that I was Racially profiled and discriminated against today at the JPMorgan Chase Consumer Banking XXXX XXXX XXXX XXXX XXXX Sterling Heights XXXX MI XXXX by a bank teller named XXXX. I came to the branch to day to withdraw {$14000.00}. I filled out and handed the tell my withdrawal slip with my drivers license and put my ATM card in the reader and entered my pin. XXXX stated do you know how much money is in this account I need to verify who you are employed by as well as the last deposit amount to give you this type of money. Implying a minority person is not capable of having or obtaining a certain amount of money in their account. He then proceeded to have me verify all of my contact information in the system. Then question why I need that amount of money what is my age. I asked him when did customers have to do all of this to get money out of their account. He stated that is the company policy and has always been company policy. I informed him that I have never had to do this at any other branch, and I have taken larger amounts out before. He then left the counter to talk to a banker they banker he talked to knew me and I guess gave him the ok to release my funds to me. When I was waiting at the counter another gentleman approached the teller next to me and asked to withdraw more than the {$14000.00}, I asked for and that teller did not ask him any of the questions XXXX asked me. That gentleman finished his transaction and walked away while I still was waiting on XXXX to get back to the teller counter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Received a tax bill from Chase Auto in XXXX of XXXX for XXXX XXXX XXXX. 
Property taxes of {$380.00} was paid on XX/XX/XXXX to Chase Auto. ( This is the attachment labeled : XXXX  ). 

Car was purchased from XXXX on XX/XX/XXXX after lease was up. 
In XXXX of XXXX received tax bill from XXXX of XXXX for {$350.00}. 
When questioning the town of this and showing them the {$380.00} was paid in XXXX they indicated Chase Auto should have only paid {$64.00} for the XXXX time frame and that a refund was to go back to Chase Auto and then come to me after it was paid to Chase Auto . Document labeled : XXXX shows this. This was mailed to Chase Auto and in speaking with them they indicated they received this in early XXXX and mailed the request form for repayment to my town Tax Collector. 

I am in weekly communication with the tax collector and to date they have indicated they have not received the signed form. 

I called weekly and sometimes multiple times to Chase Auto and I when I asked to speak with a manager they put on on who assured me it would be handled. 

I faxed the document : XXXX on XXXX. This is shown in the document labeled : XXXX 

I have not heard word back from her since then even though repeated attempts to inform her that the mail was never sent. 

I did speak with another manager on or around XX/XX/XXXX and spoke with a manager named XXXX and he advised that sending to an email address was the best method and that it was best to left in XXXX 's hands so the case didn't have to start over. 

I did verify the email address with him by having him read it back to me and we also confirmed that the mailing address for my tax collector was correct. 

I called back on XX/XX/XXXX to ask again and they told me my case was closed and when I asked to speak to another manager they told 48 to 72 hours on the call back. 

This is very frustrating as I keep being told different answers, from 2 to 4 weeks, to 12 weeks to 18 weeks. This is money owned to me that I put out. I don't understand how this practice is allowed and how they can take advantage of people that need that money. This has been hard times for a lot of us and it was money we put out to cover our bills but can use it back for paying federal and state income tax. 

I also want to know what penalties can be imposed on Chase Auto to correct their bad business practices. If there is another agency that I can contact after I am refunding what is owed me I would greatly appreciate knowing this. 

Thank You! 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22 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: MD

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I set up an account with Experian in XX/XX/XXXX. In XX/XX/XXXX, I received an email from the company saying that my email had been changed. I had not requested this so I tried to log back into my online account. When I could not do this, I emailed Experian to explain that someone had fraudulently accessed my online account. They locked my account and told me to either mail or FAX identity proof to them. I faxed them the proof but never received confirmation of receipt of the FAX nor of my account being rectified. I have tried to call them numerous times, but ended up going through their automated menus and being hung up on. Today I was able to get someone on the phone who said they could change my email address. However, when I tried to sign back in, I was rerouted to an offer, and then when I tried to complete that " purchase '' the website threw an error. This happened several times. It gave me a number to call. When I called it, it was the same automated menus. I could continue to email and send mail, but there is no confirmation that it works.

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 2022-03-22 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: NY

Complaint narrative:
-For XX/XX/XXXX through XXXX XXXX ( and again in XX/XX/XXXX ), I worked for qualifying employers ( both employers have been certified via ECF with DOE/Fed Loan ) . For the above-noted time periods, I verbally ( over the phone ) requested a hardship forbearance ( from PHEAA and then Fed Loan Servicing ) on my federal student loans ( both subsidized and unsubsidized ). I did this because I believed that I could not afford to make the payments under a qualifying IBR plan. At no time did the customer service rep ever explain to me other options to lower my payments so that I could make PSLF qualifying payments, even though I indicated that I was a government employee interested in PSLF. The only paperwork I ever received from them was confirming my hardship forbearance request. I never received any information/documentation about the implications of this request, nor was I ever required to provide proof that I was eligible to receive a financial hardship forbearance. After the DOE announced the limited waiver in XX/XX/XXXX, I called Fed Loan Servicing several times and inquired with a customer service rep. about retroactively correcting this and was told that I could not do this. I forget the exact dates, but I called once in XX/XX/XXXX and once in XX/XX/XXXX. This forbearance steering by the student loan servicer has now caused me to not qualify for forgiveness even though I have worked for qualifying employers for over 10 years. The DOE temporary waiver rules ( and PSLF/TPSLF ) programs still do not account for this ( and it does not look like their negotiated rulemaking will help either ). I am respectfully requesting that CFPB review my and many others ' personal situations to show that this past forbearance steering has substantially negatively impacted many PSLF applicants.

Company response to consumer: Closed with explanation