vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 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: TX

Complaint narrative:
XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX XXXX  Equifax XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: TX

Complaint narrative:
XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX Experian XXXX XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Motolease, LLC
State: VA

Complaint narrative:
I contacted MotoLease on friday XX/XX/XXXX. i advsd them that a payment has come out of my acct that was not authorized by them. they stated it was due to my lease agreement but I also had my payments deferred for two months which means i would of been due until XXXX. I advsd them of that and they said it was an error on they end. I told them that i wanted it refunded and the bank fees refunded. it is now XX/XX/XXXX and ive received two overdraft fees from my bank and also they have taken another payment out. Due to covid i was relying on that money for food thats why i deferred the payments for a couple months. Now i have XXXX $ of overdraft fees on my bank acct along with negative XXXX $ balance. I want my money back and my overdraft fees credited that continue to get added with the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: KS

Complaint narrative:
I received a document from XXXX dated XX/XX/2020 in regards to a forbearance plan that was offered because of the covid-19 pandemic. My issue with this document was the fact that it also included my name and my ex husband 's name which in about a year ago I had submitted to XXXX a divorce decree and a quick to claim deed. My borrower is not worried that my ex-husband is still included on paperwork where he doesn't reside and he has no claim to my property. When I call the first time about it on XX/XX/XXXX they had transferred me and when I try to get back through I could not get through to anybody at customer service when I try by the morning of XX/XX/XXXX the gentleman I spoke to basically told me I was worried for nothing and that it wasn't important if his name was or was not on my paperwork.

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 2020-05-06 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: FL

Complaint narrative:
On my Experian and XXXX report it's showing a closed account as opened and this account associated with XXXX XXXX has been closed since XX/XX/2016 and their still reporting new missed payments.

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 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I placed a credit freeze with Experian. During the process, they provided a PIN to manage the state of the freeze. 

In order to lift the freeze, I provided the PIN. It claimed it was invalid, and that it would ask questions to verify my identity. No questions were ever asked. Instead, it dropped me into a form requesting physical copies of my # SSN card, drivers license, and a bill showing my address. I am uncomfortable with mailing what amounts to a perfect identity theft kit through physical mail. 

This is the only way Experian will allow my freeze to be managed. Their customer service lines only direct me to the website, which sends me to the mailing option. 

Experian therefore has offered me no way to allow me to identify myself to remove the credit freeze within one hour. This is required by the FCRA, and I consider this a violation of 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 explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I ran my credit once in XXXX and recently in XXXX in XXXX XXXX XXXX auto and I recently checked my report and I have companys running my credit that I never heard of or gave my social security number out for no reason what so ever. My credit has dropped and I just want to remove the unapproved one one by one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: WA

Complaint narrative:
I financed a couch and recliner from XXXX XXXX XXXX  XXXX back on XX/XX/XXXX with American First Finance for roughly {$1600.00}. They offered a XXXX days same as cash option for paying off the items. My payment was XXXX dollars twice a month. I made my payments every month. Once the XXXX days were up, they applied the 136 % interest rate from the original date of purchase which took the XXXX dollars I had paid and applied roughly XXXX dollars in interest showing I had only paid XXXX dollars. As of this day XX/XX/XXXX, I have made another XXXX dollars in payments and my payoff is still {$1500.00}. Being a current XXXX XXXX service member I understand what protections I have. Ive also had an account with American First Finance before. Although it took roughly 6 months to get my interest fixed the first time, it eventually was. This time is different however. Since the end of XXXX I have been trying to get them to fix my interest rate. I have explained to them under the Military Lending Act, XXXX XXXX service members are not allowed to be charged more then 36 % interest. Every time I call I get told that my account will be escalated to the back office and I will receive a phone call in 48 hrs, this never happens. I was then told I needed to email proof that I was in the military to XXXX. So I did what I did with my previous account and emailed a copy of my most recent XXXX ( paystub ). Roughly two weeks later I received a phone call from someone who claim to be a supervisor saying they needed a copy of my enlistment contract. I told him that it wasnt needed last time and its not needed this time. At no point could he explain to me why they needed a copy of my enlistment contract when I explained to him Ive already sent a copy of my current XXXX which shows Im still in. He then decided to get rude and say I was refusing to work with American first finance. I said that was wrong and I would be happy to talk to someone who actually handles the accounts. Was suppose to get a call in 48hrs and I never did. As of today, XX/XX/XXXX, I spoke with a representative who informed me that I dont meet the criteria for the SCRA. I explained to her that charging the interest rate they are isnt a violation of the SCRA as I acquired the debt after I was already in service but a violation of the MLA ( military lending act ). She put me on hold and then came back and said that they dont follow the MLA. So I asked her how they couldnt follow a federal law? She didnt have an answer. I asked to speak to a supervisor and she refused to connect me with one and gave me the same answer as stating she would escalate my account to upper management. This company is based out of XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Dates : about XXXX XXXX. 
Amounts : {$440.00} Actions : 1. On XX/XX/XXXX. I placed an order of {$790.00} on-line of Bestbuy with Bestbuy Citibank Credit Card. 
2. I returned some products in the order, the value {$440.00}, to the Bestbuy Store in XXXX, WI right after I received them. 
3. On XX/XX/XXXX, I got the credit card bill statement but I found {$440.00} is still on the bill. I paid off the bill which I kept the rest of the order, and I contacted CITIBANK and Bestbuy to communicate with the wrong bill. 
4. Citibank said it knew nothing about it. Bestbuy admited it had received the returning products but the refund was supending. I spent almost three hours in communicating with Citibank and Bestbuy. They didn't give me any solution. I was disconnected on the phone eventually. 
5. By the above experience, I realized it is really hard for me to get connection to them. So I have to wait for the next bill and I guess they will sovle the problem soon. 
6. In XXXX, I got a call from Citibank and I was told I had a bill past due. I realized it is still the problem from the refund because I have never used the Bestbuy Citibank Credit Card since the beginning of XXXX. I talked to the service and told her what had happened. She said she could see my complaint for them in XXXX. Then, the phone was interrupted again. 
7. In XXXX, I found in my credit report there is a " delinquent '' of {$61.00}. I knew it came from the event above. Then I called Citibank Credit Card service and also talked to Bestbuy customer service. I was told by Bestbuy : 1 ) Service center had contacted the store in XXXX and it was verified the products were returned in XXXX of XXXX ; 2 ) However, the store didn't refund money back to the on-line shopping department. To be honest, I was confused with what I was told. Then, the service representative told me she can suspend that transaction and I have to wait. By now, no one solves this problem. At the end of XXXX, I have to pay {$150.00} of the minimum for the credit card bill in order to get rid of my bad record. I want them to return money back and give me some compensation. Meanwhile, they can fix my credit score. 
8. I want to complain for what they have done and how they made my credit score into " delinquent ''.

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 2020-05-06 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: FL

Complaint narrative:
On my XXXX and Equifax report it's showing a closed account as opened and this account associated with XXXX XXXX has been closed since XX/XX/2016 and their still reporting new missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
XXXX XXXX XXXX has submitted for collection a debt which is time-barred. The literature sent to me cites VA code section XXXX, which section sets forth the time limit to commence such actions ( 2 years ). They will not answer my calls and have submitted violations allegedly occurring in XXXX  and XXXX to an out-of state law firm which also refuses to communicate with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, Mariner Finance made initiated hard inquires on my XXXX credit report. At the time, I was delayed in repaying a loan in the amount of approximately {$630.00}. Mariner Finance sued me for the amount in question. However, I filed for Chapter XXXX Bankruptcy Protection on XX/XX/XXXX, with a discharge on XX/XX/XXXX. I had earlier filed a complaint with the CFPB ( in early XXXX, I believe ) regarding Mariner 's hard pulls on my credit. The company 's response was that the contract permitted such credit pulls in order to confirm my current location. Mariner Finance was one of many creditors with whom I was late ( as well as being included in, and discharged through, Chapter XXXX  ), yet they were the ONLY ONE to initiate hard pulls on my credit. I believe that this was punitive on their part and had nothing whatsoever to do with " confirming my current location. '' It may be technically legal for them to initiate the credit inquires, but it is most certainly not ethical.

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 2020-05-06 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: DC

Complaint narrative:
i purchased a air ticket with XXXX XXXX  through the Chase travel service. the flight was cancelled and Chase refused to refund me. I contacted the airline and they agreed to refund and indicated that the refund had been authorized. Inexplicably, Chase continues to refuse issuing the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: MO

Complaint narrative:
I paid a collection account with XXXX on XX/XX/XXXX. XXXX reported to all credit reporting agencies on XX/XX/XXXX that the account was paid in full. 
I opened a dispute with Equifax on XX/XX/XXXX of XXXX disputing the account balance. I disputed through their online dispute process and uploaded a copy of the letter from XXXX stating the balance was paid in full. Equifax closed the dispute as consumer disputes, but balance still owed. I contacted Equifax on XX/XX/XXXX to inquire about the decision. Even though XXXX reported to them and I submitted the paid in full letter to them through their own online dispute portal, they still are reporting the account incorrectly and told me I have to open a new dispute, send in a copy of the letter along with a copy of my driver 's license and wait another 30-45 days for the dispute to be investigated. This is affecting my credit score and preventing me from obtaining a mortgage for a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: TX

Complaint narrative:
I did not authorize anyone employed by CREDCO OR ANY OTHER COMPANY, and including the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

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 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is I C SYSTEM INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEM INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C SYSTEM INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEM INC- is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.I C SYSTEM INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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