vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am, XXXX XXXX consumer and natural living person submitting this complaint and there is no third party involved. XXXX XXXX committed fraud on my consumer report, and I did not consent, benefit nor authorize these hard inquiries on my report. I demand XXXX XXXX to remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX : XXXX -- -> : {$7100.00} XXXX, XXXX : XXXX -- -> : {$270.00}

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 2022-02-24 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: NC

Complaint narrative:
I have a Mortgage with XXXX XXXX  XXXX, owned by XXXX XXXX XXXX and fell behind due to Covid-19s causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Interest Rate and a Longer Term offered by Mtg Co to Make more Money off me and maybe think they can get my House if I fail to make the Payments in the Future in Lieu of Foreclosure after 10 Plus Years, I was helped by a Family Member and Ended the Repayment plan after XXXX Payments on XX/XX/21 and brought Acct Current as of said date, as of today XXXX  has Reported to the Credit Bureaus that my Last Payment was on XXXX/XXXX/21, continuing to Report my Now Invalid and not in Effect Higher Repayment Mtg Payment Amount of {$1300.00} instead of {$810.00}, also the {$3800.00} Payment I made on XX/XX/21 is Reporting as an Increase in my Mtg Balance instead of a Decrease even though on their Website the Info is Accurately Displayed and Current. 
This action has caused my Credit Score to Drop 47 Points making it Extremely Difficult for me to XXXX XXXX XXXX and Cut Ties with this Co, as it seems they are making it very difficult for me to leave, I think the XXXX Co is trying to get back at me and Sabotage my Credit Reporting for their Predatory Behavior I outlined in my earlier Complaint Filing # XXXX Submitted on XXXX/XXXX/21. 
I would sincerely appreciate if someone could take a look at this Co XXXX XXXX Practices towards their Customers, the XXXX. 
I am even thinking of reporting this matter to the XXXX XXXX XXXX and The NY XXXX. 
This action taken by the XXXX Co and XXXX XXXX has affected me both Psychologically and Financially Extremely. 
Thanking you in advance.

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 2022-02-24 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: NC

Complaint narrative:
I have a Mortgage with XXXX XXXX  XXXX, owned by XXXX XXXX XXXX and fell behind due to Covid-19s causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Interest Rate and a Longer Term offered by Mtg Co to Make more Money off me and maybe think they can get my House if I fail to make the Payments in the Future in Lieu of Foreclosure after 10 Plus Years, I was helped by a Family Member and Ended the Repayment plan after 5 Payments on XX/XX/21 and brought Acct Current as of said date, as of today XXXX  has Reported to the Credit Bureaus that my Last Payment was on XXXX/XXXX/21, continuing to Report my Now Invalid and not in Effect Higher Repayment Mtg Payment Amount of {$1300.00} instead of {$810.00}, also the {$3800.00} Payment I made on XX/XX/21 is Reporting as an Increase in my Mtg Balance instead of a Decrease even though on their Website the Info is Accurately Displayed and Current. 
This action has caused my Credit Score to Drop 47 Points making it Extremely Difficult for me to XXXX XXXX XXXX and Cut Ties with this Co, as it seems they are making it very difficult for me to leave, I think the Mtg Co is trying to get back at me and Sabotage my Credit Reporting for their Predatory Behavior I outlined in my earlier Complaint Filing # XXXX Submitted on XXXX/XXXX/21. 
I would sincerely appreciate if someone could take a look at this Co XXXX XXXX Practices towards their Customers, the XXXX. 
I am even thinking of reporting this matter to the XXXX XXXX XXXX and The NY XXXX. 
This action taken by the XXXX Co and XXXX XXXX has affected me both Psychologically and Financially Extremely. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was a Suntrust customer for years. They have now merged with BB & T to become Truist. Direct deposit are not being posted to the account when they are supposed to be. They will not answer the phone - hold time is hours and hours long. When you do get through they say they do not know what is going on or why this is happening. I have proof that the direct deposit was sent to them and I verified my routing and checking account number is correct. Over {$3000.00} is just missing!!!

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 2022-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NV

Complaint narrative:
Made payments on XX/XX/2022 and XX/XX/2022 and UWM has not applied these payments to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd.
State: AZ

Complaint narrative:
On XX/XX/22 received a letter stating I owe a certain amount to a creditor, however, does not contain debt validation. They state I owe {$2000.00}. I have no intention on paying this debt as it does not belong to me nor is there a contract that I signed with creditor. They did not provide a copy of original creditor having my signature on that contract

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TX

Complaint narrative:
As I reviewed my recent report, I have found an erroneous information 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 XXXXXXXX Balance {$1300.00}

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX of XXXX, XXXX of XXXX, and two tines in XX/XX/XXXX the last date being XX/XX/XXXX. I contacted Transunion by phone and by mail letting them know that they are incorrectly reporting a late payment on my credit from a first progress card for the month of XX/XX/XXXX. I had already contacted forst progress and they said that they are not reporting any late payments as I have not paid late. I disputed this with Transunion and each time they are closing the dispute without really investigating. First progress reports to XXXX and XXXX and neither of them are reporting a late payment. In addition transunion will not remove fraudulent address that are on my credit report. I informed them the only address that is correct on my report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Any other address is unverified, inaccurate, and I have reason to believe they are connected to fraudulent actions.

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 2022-02-24 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: TX

Complaint narrative:
This is XXXX XXXX XXXX and 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 FCRA, 30 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. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance {$23000.00} XXXX XXXXXXXX XXXX XXXX Balance {$1900.00} XXXX XXXXXXXX XXXX XXXX Balance {$1400.00} XXXX XXXXXXXX XXXX Balance {$170.00}

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 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I having a problem with portfolio recovery debt collector. I have told them on multiple times over the phone to please stop contacting me and that the two collection accounts are not mine but they keep calling at least 20x a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: WI

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 fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive 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 n now im XXXX n cant provide to my XXXX XXXX XXXX daughter 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 2022-02-24 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: WI

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 XXXX times. XXXX is an abusive 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 n now im XXXX  n cant provide to my tXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a purchase of a stay with XXXX the company via their online system for my personal use and that of my family. The purchase was for a total of {$2100.00} and it was made by paying with my Visa Check Card XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE BANK NA on two separate transactions of {$1000.00} on XX/XX/XXXX and on XX/XX/XXXX. In the month or around XX/XX/XXXX, XXXX. i made a timely dispute of the charges after coming to the conclusion that i could not resolve the issues with the vendor XXXX  of California XXXX 

My dispute was based for the following reasons : Billing Errors : 1. I was charged by services and good that were ordered, advertised and not delivered. Specifically, I was lured into a transaction for an advertised temporary rental and was provided with assurances that I would receive a unit with a working hot tub, water would be available, a clean unit, at least one without mold, safe and free of sexual harassment while staying there and an internet connection. This was my expectation and because I DID NOT RECEIVED THE services and goods as advertised, I disputed as it was my right.

Additionally, I disputed the charges made under : I dispute under CLAIMS AND DEFENSES with the card issuer but believe this was not properly documented by the Credit Card Issuer JP MORGAN CHASE BANK, NA.

My dispute under CLAIMS AND DEFENSES because the purchase was made online, it was for over {$50.00} USD, XXXX  is wihtin 100 miles of my residence but regardless the process was made online. I made a good faith effort to resolve this matter with the vendor to no positive result.

1. The unit was to have a working hot tub ; it did not have this.

2. Mold was discovered during the stay and was causing me problems as I have allergic reactions to this. The unit was not cleaned and protected as advertised.

3. The internet connection was not reliable and was subject to very slow speeds that could not possibly sustain several devices from being connected to the internet.

4. During the stay the water was shut off and I had not even vacated the property.

5. The property was not secured. As it allowed loitering and the conglomeration of individuals at the entrance of the property that XXXX harassed my partner and my XXXX daughters. I was promised a prompt reaction as this issued required an immediate response from the vendor, but the vendor stated to me that they could not react to the complain because under staffing during the holidays as they would normally. 

For these reasons I am disputing the charges and I am protected under the laws of the United States and The State of California. I also believe that my credit card issuer did not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I was unemployed for the first time in my adult life starting in XX/XX/XXXX. I continued paying my bills with credit cards during that time and all along with the expectation or hope that I would be employed soon. My unemployment lasted for about 8 months, so I built up quite a large amount of credit card debt. I am not one that doesn't like to pay what I owe or skip out on things. I continued to pay on my credit cards with no late payments until the middle of XXXX. I was very stressed with how much I was paying in credit cards and seeing the balances barely change. I looked into Freedom Debt Relief and they were quick to pursue my business. Even after I declined, they continued to pursue me. They sent emails telling me that I could be out of debt in 48 months. In XX/XX/XXXX I gave in to the stress of my credit cards and agreed to do that program with Freedom Debt Relief. I signed a contract that says I would be {$760.00} per month for an estimated 48 months. That put the completion date of XX/XX/XXXX. I've been looking forward to XX/XX/XXXX for over three years. Now Freedom Debt Relief is saying that I have to continue paying for an estimated additional 15 months, until XX/XX/XXXX. That's over 30 % longer than what I was lead to believe, and what was stated in the contract. I feel like they misrepresented the services that they provide and that they have not fulfilled their part of the agreement. If I was off by 30 % at my job, I would be unemployed again. They continue however to collect their fees which I don't feel like they were very upfront about. During conversations in XXXX they would state a payment and tell me that it would be for 48 months. I would do the math and it seemed reasonable. They never mentioned the over $ 10k they would collect in fees from me and that the program could go 15 months longer than stated. Please help me figure out what my rights are in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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:
Experian has made claims to have verified an item on my credit report with XXXX XXXX and the items is not even showing on my consumer report with XXXX XXXX because it has been removed by them because they also could not verify the item. 


I have written confirmation from everyone they have listed on my credit report and on their website as their source used to verify this data and none of which agrees with Experians claims and/or statements. These sources include, The Michigan Bankruptcy Court and XXXX XXXX. I contacted them directly and their responses are attached. 

The item XXXX XXXX XXXX XXXX  XXXX needs to be removed per the FCRA 15 USC S 1681 est seq.

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 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I made 2 separate claims on fraudulent atm transactions. After being denied a refund, I have called more than a dozen times to speak to a representative from the fraud department with no response or call back that is promised within 24-48 business hours. They made 1 attempt to call me back from an unknown number, which I was unable to answer, out of the dozen that I have made. Their refusal to speak to me about the denial letter is a complete disregard for my financial well being, which I have entrusted in their institution. If they had investigated this claim at all, they would see that I was obviously not the same person withdrawing said funds. 

Beginning on XX/XX/21 atm transactions began to duplicate from the same atm location as I withdrew funds from or other atm locations in which I did not use. The transaction amounts were for the same amount of money as my own withdrawal amounts on the same day. 
The list of transactions below were NOT done by me. 

XX/XX/21 {$160.00} XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} inquiry fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$200.00} XXXX XXXX XXXX XX/XX/21 {$83.00} XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee XX/XX/21 {$200.00} XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee XX/XX/21 {$200.00} XXXX XXXX XXXX XXXX XX/XX/21 {$200.00} XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm inquiry XX/XX/21 {$500.00} XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee XX/XX/21 {$500.00} XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee

Company response to consumer: Closed with explanation