vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
I called to check on alleged debt that was on my credit report and inquire about removal also requested proof of this alleged debt. I never received proof and the account is still reporting negatively. I have written emails requesting this proof of debt to the Consumer Collections Manager XXXX XXXX on XXXX XXXX, 2022. I have not received any thing in the mail yet, which means they need to delete.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax failed to respond to my dispute letter of XX/XX/2021 within 30 days. I sent this letter XXXX certified mail and have enclosed a copy my original letter, the certified mail receipt, and the XXXX tracking report showing delivery on XX/XX/2021, as well as my follow up letter on XX/XX/2021. 

No response or action was taken on their part. This failure to comply with federal regulationsby a credit reporting agency violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I noticed I had a debt collection on my credit report. from Bridgecrest for accountXXXX. I sent a request for a validation of this debt to Bridgecrest via mail on XX/XX/2022 per my rights under the Federal Debt Collection Practices Act. As of today, XX/XX/2022, I have not received any validation of this debt. They have not responded to me in the necessary amount of time and I would like this debt removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, has violated my rights. I have the right to privacy. The law also states a consumer reporting agency can not furnish a account without my written instructions. I have sent several written request to this agency and have had zero responses or changes to my consumer 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 2022-03-22 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: GA

Complaint narrative:
Over the course of 30 days. I have filed a dispute in regards to inaccurate and false information on my credit report. My first dispute was XX/XX/2022. Equifax, is still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account. Further more ive provided an FTC report showing this account is opened without my consent, proof that Equifax added this account after it was removed, and a credit report that shows only Equifax Credit Bureau reporting this fraudulent account. Lastly they are violating my rights by requiring me to mail my id and social security card in order for them to process my dispute request.

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: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Overpayment of {$14000.00} dollars made to Citi Card on XXXX, 2022. We immediately called and they said they would issue a check. We never received check. I have called every two days to see when our money would be transferred back to our checking account. They took router and checking account number 3 times. I have been told repeatedly that this needs to be approved even though it has been approved several times. 
I contacted XXXX XXXX, XXXX  of Citi. No response from her. When I called to check about refund again they said executive is handling and will be in touch. After 4 days of no calls I contacted Citi again. I had to go through the ranks to get to executive dept. i was told it is being held up for approval. They said that I will have an answer no later than XX/XX/2022. This has gone on for to long. 
I am always promised a return phone call and it never happens. Spoke with XXXX today and she said she will be back in touch by no later than XXXX. I really do not expect a phone call back since no one has wver returned my call except XXXX who said the money would be in our account in three to five days. Needless to say no money put back in our account. 
I even contacted Chairman of the Board XXXX XXXX by email today.

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 card or prepaid card — General-purpose credit card or charge card
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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I went into a Chase branch and applied for the Freedom Credit Card at a Chase Bank on XX/XX/2022. The office closed before I could get a determination on my approval. I was given a number to call the following day, XX/XX/2022. I called the number on XX/XX/2022 to find out that I was approved for the card in the amount of {$6200.00}. I immediately asked for an increase of the the line of credit. I was told in order to increase the amount my credit would have to be ran and I would need to give permission to run my credit. I did give permission and was denied the increase. On XX/XX/2022 I went back into the Chase Branch to inquire as to why I was denied the increase. The staff put me back on the phone with someone from Chase that explained that I was denied based on the amount of time that I had the Chase Freedom Credit Card. I explained I only applied for the card on XX/XX/2022. I still didn't/do n't physically have the card. I then explained I would have never given permission to pull my credit, resulting in lowering my credit score if it had been explained that the determining factor to increasing the credit limit was based on the length of time I had the card, which I still currently don't have. The Chase representative on the phone then told me that my credit was NOT pulled on XX/XX/2022 when the previous representative asked for my permission to do a credit check. He then explained that he could run my credit on XX/XX/2022 while I was in the branch for the increase of the line of credit. I told him NO. After getting off the phone with the representative that day ( XX/XX/2022 ) I received an alerting stating that there had been a credit inquiry by XXXX on XX/XX/XXXX, and XX/XX/2022. Despite the representative telling me there had not been an inquiry on XX/XX/2022 and asking me to approve another inquiry. Chase Bank lied, and has proven themselves to be untrustworthy. I filed a complaint with them but I have no confidence in them to investigate the complaint. Not only did Chase Bank lie about making two inquiries on my credit report on XX/XX/XXXX and XX/XX/2022 I would have never given permission for the inquiry made on XX/XX/2022 if it had been explained that the determining factor for an increase would be based on the amount of time I had the Freedom Credit Card which I still don't have as of today XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
This company has not reported since XX/XX/2021 and the customer service is being on the phone.

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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.

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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has not sent requested information from multiple demands. 
1 ) Copy of signed consent to furnish my public information to any person/company/CRA etc 2 ) copy of the signed contract of the alleged debt These demands have been ignored on several letters received to them. Currently letter was received XXXX XXXX ( usps tracking # XXXX ). This request is to be completed within 30 days. I do not agree to any more time being used for investigation

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Trans Union failed to respond to my dispute letter of XX/XX/2021 within 30 days. I sent this letter XXXX certified mail and have enclosed a copy my original letter, the certified mail receipt, and the XXXX tracking report showing delivery on XXXX, as well as my follow up letter on XX/XX/2021. 

No response or action was taken on their part. This failure to comply with federal regulationsby a credit reporting agency violates 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 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: TX

Complaint narrative:
I started a loan application with supreme lending in XX/XX/XXXX. They offered me to lock my rate and I signed the paperwork on XX/XX/XXXX. The agent who had my file left the company and the new agent reached out to me after my locked rate expired and informed me that he will lock my rate on new high rate because my rate already expired. My friend who locked his rate with me in the same time was contacted by another agent in the same company who informed him that he can extend his locked rate for an extra fee which he did. I contacted supreme lending to ask for the same deal my friend got and they refused and said there is nothing like that and they cant extend my locked rate for extra fee. All what Im asking is to be treated like my friend.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : DEPT OF EDUCATIONXXXX XXXX Balance {$720.00} DEPT OF EDUCATIONXXXX XXXX Balance {$1600.00} DEPT OF EDUCATIONXXXX XXXX Balance {$2000.00} DEPT OF EDUCATIONXXXX XXXX Balance {$5200.00} DEPT OF EDUCATIONXXXX XXXX Balance {$2900.00}

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I don't have a chase card and I did not ask for a chase card XX/XX/XXXX it is showing on my credit report

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is complaint follow up with existing Complaint Number of my Existing Complaint XXXX XXXXhase Executive Office provide me with the following information : - They credit to my account a total of {$100.00} as a courtesy - Because I am a VALUE CUSTOMER they credited to me an additional {$33.00} in fees and interest But still my last bill for the XXXX shows me that I still owe him a late fee and interest in the amount of XXXX dollars They still collect from me rest of late fee and interest for all this month what they didn't WONT to give me my money back Why should I pay for someone else 's incompetence - over the past 8 months, bank employees have not been able to solve an elementary problem with all supporting documents on my part Please refer to all my credit card statement attached -m let them calculate everything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CO

Complaint narrative:
I have contacted Sallie Mae directly XX/XX/2022 after I had been called daily whenever loans overdue. I have contacted XXXX and Left a message at XXXX XXXX University. It was written in one site about private student loans that to deal with Sallie Mae loans should be in default. After talking with XXXX I was transferred to the Fraud Department where I talked with XXXX. 

I explained I felt my grandson and I had been taken advantage of by XXXX  XXXX University and Sallie Mae. My grandson qualified for work study ; is a XXXX  in an under represented university and program ; is a child of a single mother, BUT never qualified for lower interest rates, federal funded loans or any financial grants. I co-signed two loans ( {$15000.00} and {$17000.00} ), but now my grandson has 4 loans totaling over {$100000.00}. 
When I talked with XXXX in the fraud department he only wanted more information from me. I dont have access to any online accounts and I wouldnt give my social security number. Of course they already have most of my information, thats how that can email and/or call me so regularly. I asked for a person to call me which has not happened. 

Please advice me on next steps. Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Select Portfolio Servicing, XXXX  XXXX XXXX XXXX XXXX is committing Mortgage, Deed, Assignment of Mortgage, Bank And Securities Mortgage Foreclosure Fraud by obtaining a Default Foreclosure Judgement on XX/XX/XXXX. XXXX in XXXX Court of Common Pleas instead of providing Consumer Relief per sanction given on XX/XX/XXXX by the Department of Justice. Im currently in Pa XXXX XXXX XXXX XXXX on a Appeal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.

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: FL

Complaint narrative:
I am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.

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: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I converted a XXXX XXXX XXXX, filed in XXXX, to a XXXX XXXX in XXXX. In the process my lawyer, in error, filed a new XXXX XXXX case. The court immediately dismissed this case because it was filed in error. It should never have been filed and it should never been added to my credit report. Now I have XXXX bankruptcies showing, one discharged and one dismissed. The dismissed one I have disputed numerous times with Experian and XXXX since XX/XX/XXXX. With those disputes I have included a letter from my attorney and the XXXX XXXX XXXX stating this case was a clerical error. Both Experian and XXXX refuse to remove the dismissed bankruptcy. Both instructed me to obtain the XXXX XXXX XXXX and they could remove the bankruptcy. However, when I provided the document both refused. Due to their refusal to remove the inaccurate case, creditors began attempting to collect on accounts discharged in the accurate bankruptcy. I have spent almost a year getting these creditor accounts straightened out due to Experian and XXXX outright refusal to fix what I have proven to be incorrect. I have disputed online and over the phone numerous times. This bankruptcy must be removed.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of EdXXXX XXXX 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 explanation