vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 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: EQUIFAX, INC.
State: CO

Complaint narrative:
In XX/XX/2020, nearly all of my credit accounts disappeared from my records on myequifax.com. I have initiated disputes through their website XXXX XXXX, XXXX, and XX/XX/2020 XXXX, filed a XX/XX/XXXX complaint XXXX XX/XX/2020 ), and called their customer service line ( XX/XX/2020 ). Each time I have been told there is nothing wrong with my report and that I can access my credit history via myequifax.com, yet myequifax.com still shows almost none of my credit history. 

When I asked their customer service representative how to contact tech support to address the issues with their website, I was told they are tech support and there is nothing wrong with my account. Solutions offered were to refresh my browser history ( no effect ), and to mail their dispute center my XX/XX/XXXX and XX/XX/XXXX credit reports for comparison. The issue is not my credit history ; the customer service representative said their files show 17 accounts. The issue is I can not access my credit history on myequifax.com, and I have thus far been unable to connect with anyone who has the expertise to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: ID

Complaint narrative:
I am a victim of identity theft. I have attached a redacted police report XXXX eliminating photos and text because of the size of the file exceeding 10mg ). I am asking the government to please review the information, and if needed, I can provided an original company via mail of the complete police report conducted by XXXX Police Department.

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 2020-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have called, sent written notice, and disputed online for inquiries that I do not recognized and/or authorize. 

XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX Card XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX 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 2020-11-23 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV Funding is still reporting a collection owed on my credit reports even though they agreed to delete the account fully in return for a 50 % settlement. On XX/XX/2020 LVNV received a certified letter including a settlement letter and check. The letter stated that in return for a settlement, LVNV will delete the account fully from my credit reports. A few days later the check was cashed. They have since recorded the settlement amount but failed to comply with the settlement agreement as stated. The account is still appearing and showing a balance owed on my credit reports where it should have been removed fully as per the agreement. I've contacted LVNV about this and they have told me to speak to Frontline as they are now representing LVNV on this debt. I spoke to XXXX at XXXX on XX/XX/2020 who informed me the check and the letter have been separated in error, and verbal agreed to delete the item. I have reviewed my credit reports today XX/XX/2020 and the account is still appearing and shows a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-11-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: MI

Complaint narrative:
I was a patient at XXXX XXXX XXXX from XXXX until XXXX. The doctor that oversaw my health was a good doctor. I ceased going because of the poor treatment that I received from the support staff. At my last visit a negative incident occured in the waiting room where I was humiliated by one of the counter staff members loudly and falsely stated in front of all the patients in the waiting room that she could find no record of my insurance and that I NEVER WAS A CUSTOMER OF XXXX XXXX! This statement was false. At the same timeI felt so humiliated that I could not speak, Another patient became so afraid that she pulled out her insurance card and rushed to the window to show the lady that she had insurance, .I did not tell the doctor because I was so uncomfortable and felt unwelcome that I just went through the visit, paid the bill and left. 

It was after this negative event that these so called " bills '' for visits that I did not make were sent to me from a collection agency. Furthermore I since have discovered that these " bills '' that are label as office visits were based on appointments that I had to change due to my work schedule, not actually office visits. In addition the amounts reporting exceed the amount of the bill that was paid. I found the documentation recently from the insurance company and the billing that was sent to them from XXXX. 

I have reason to believe that this negative information evolved as a result of the poor treatment I received in the reception room.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Only 3 mayor banks operate in Puerto Rico and they are regulated by the Federal Reserve System. These banks are Banco Popular of Puerto Rico, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. With regards to property insurance, barrowers are ONLY required to provide banks with evidence of dwelling or homeowners insurance coverage. Contents and liabilty insurance is NOT required. However, these 3 banks and their wholly owned insurance subsidiaries which operate as general insurance agents in Puerto Rico are annualy generating millions of dollars in commission base fees by including contents and liability insurance on policies forced placed by them when barrowers fail to provide the banks with evidence of dwelling insurance.

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 2020-11-23 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: PA

Complaint narrative:
Begin XX/XX/XXXX and continuing. 

Experian - IMPOSSIBLE to get thru to person to resolve. Impossible to get through phone tree or website to resolve. 

Spouse and I both prior victims of ID Theft. Froze credit files originally in XXXX. Extended Fraud Alerts also in place. This, at all three bureaus. 

XXXX and XXXX have not been a big problem. XPN though, from DAY ONE has been exceedingly difficult, at first getting freeze in place, over time having temporary lifts placed AND NOW, having jumped through hoops to temporarily remove a freeze, we find that they ARE NOT correctly including confirmation telephone numbers on fraud alert. 

We can not correct either through their site their automated phone system. Worse, after numerous attempts we can not reach a person of any kind to resolve. This causing delays in our obtaining needed financing through NO FAULT OF OURS. We have confirmed with both XXXX and XXXX that they are properly showing our correct contact phone numbers on extended fraud alerts. But have NO way to reach XPN to resolve. Since fraud alerts are identical at all three bureaus, it is MIND BOGGLING that the others have it right and XPN continues to infuriate. 

HOW CAN WE REACH A PERSON AT XPN TO FIX THIS MESS???

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 2020-11-23 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: CarMax, Inc.
State: IL

Complaint narrative:
I spoke with Carmax Finance on today XXXX XX/XX/2020 once again to verify if they had received my insurance payment from XXXX XXXX XXXX insurance. 

The associate advised me that Carmax would continue reporting me 60 days past due even though that had received a payment of {$4900.00}. I was advised payment would only go to principal and not the past due. 

I am reporting Carmax for two reason. 
Predatory lending : I was put into a loan on a used vehicle without GAP insurance, but an extended warranty which I paid for two years ago. I have had my loan for 2years and owe more on the car than initially purchased. 
Second reason : Poor Credit Reporting, any payment made on a loan is typically reported to the past due. 

Car loan also would not consider lowering the monthly payment to at least 80 % less considering I no longer have a care. 

Please advise if this if fair is considered Fair Lending practice. I feel this is a discriminatory case as well because I am a XXXX young male. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
On XX/XX/XXXX I received a text message from Chase letting me know that they have declined a charge for {$89.00} from XXXX XXXX as they have identified it as a fraudulent charge. The prompt asked me to reply YES if it was me or NO if it was not me. I replied NO and received a message back saying that Chase has closed my card and will be sending me a new card. The charge was listed as " Pending '' on my statement. 

On XX/XX/XXXX I noticed that the charge was marked as posted, despite the fact that I let Chase know on XX/XX/XXXX that it was fraudulent. At XXXX XXXX  ET I called Chase to inquire about this and was transferred to their outsourced support team who let me know that the scammer tried charging my card 5 times - one of which went through and 4 of which were blocked. He said that he will indicate that all transactions were not approved and that he will mark it as fraudulent. He abruptly ended the call before confirming that this was processed, and did not let me know if I will be receiving a credit. 

On XX/XX/XXXX I called Chase at XXXX XXXX ET to find out. The support rep let me know that a new card was issued and that I " might '' see a credit within 2 statement periods. 

On XX/XX/XXXX I contacted Chase support via XXXX and was told that there was nothing they could do and to contact Chase support via phone again. 

Per Reg E, I have fulfilled my duties in letting Chase know in a timely period that this was a fraudulent transaction. Additionally, per Reg E and my cardholder agreement, I will be not be financially responsible for fraudulent charges, provided I let Chase know. I've let Chase know 3 times ( this CFPB complaint is the 4th time ). I demand an immediate credit on my statement of {$89.00} showing that Chase acknowledges this transaction as fraudulent, written acknowledgement from Chase as to my fulfillment of these terms, and a guarantee that I will not be financially responsible for this charge, or any fees relating to this charge ( interest, etc. ), as I have fulfilled my duties in letting Chase know of a fraudulent charge. 

Finally, I ask for Chase to re-train their support teams to make sure they are aware of both Reg E and the cardholder agreements with reference to disputing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
HAVING ISSUES GETTING THE CREDIT BUREAUS TO UPDATE MY CORRECT ADDRESS AND REMOVE ADDRESSES NOT RELATED TO ME.

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 2020-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I have a medical dept on my credit report that wasnt mine and have tried several different credit services like XXXX  and XXXX  to get it removed and i have had no luck at all and its the only negative item on my vredit report and its from 2016 and they still wont agree to llet it go its only {$700.00} but its not mine so im not going to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
A money judgment {$1400.00} was awarded to XXXX XXXX ( who by profession is a professional debt collector for American Express ) in XXXX. Apparently Ms XXXX obtained a debt collector in XXXX by the name of XXXX XXXX, who started a Writ of Garnishment in XXXX, I guess it failed and then debt collector started it again in XXXX Mrs. XXXX and Ms XXXX colluded and committed fraud upon the court in the amount owed. Ms. XXXX had been getting payments from debtor via XXXX XXXX since XXXX and willfully withheld the information from debt collector ( according to the debt collector in an email she sent me on XX/XX/XXXX ) this is also the first time Mrs XXXX contacted me in regards to this debt, there was never a validation notice sent which she also affirms she never sent me ANY correspondence in her emails to me. Mrs. XXXX also added over {$570.00} in fees to the debt of {$1400.00} in XXXX when she filed for the Writ, but the total amount owed was {$930.00} since XXXX, ( as of XX/XX/XXXX {$1400.00} had been paid ) a hearing date has been scheduled for XX/XX/XXXX to cancel this Writ, a formal complaint has been filed with the Attorney General 's office, violation of the FDCPA is criminal in AZ no money damages available, my lawyer will be filing suit for money damages per statute after the hearing XX/XX/XXXX. Between both individuals there is over 30 years of debt collection so this was not a one off or accidental.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mortgage/home loan was purchased by Fifth Third Bank. I have tried to setup an an automatic payment via their website/online ; they do not offer this capability. If I try to call them - no one is available to speak to and the " hold/wait time '' is longer than 30 minutes. Instead I have to log on each month and create a monthly payment online ; their systems are so compliated and inept - they have " over collected '' on effort to reduce my principal twice. Again - I have tried to reach them by phone to find out how/why they are unable to properly process my payments - but again if I call someone the wait times are longer than 30 minutes. 

Not sure how in this day and age all roads having to speak to someone " live '' at their company and they can make me have to wait for more than 30 minutes. Initially - just signing up with this banking organization was nothing short of horrific. Worse banking experience I have ever encountered. Again - I could not " log on '' and create my Fifth Third online account without someone stepping in and helping me over the phone.

During the pandemic - its hard enough to get by without the additional hoops and hassles this bank has caused me. Thinking of refinancing just to get away from these fools.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: FL

Complaint narrative:
This is the second complaint I've had to file just with the CFPB. 
I have faxed and mailed Equifax numerous times over the past year and I still do not have access to manage my credit freeze or view my annual credit report. In fact I haven't gotten a credit report from Equifax in several years since this has begun. Everytime I call them to fix this I'm told the same thing. Resubmit the requested paperwork and it will be fixed. They " assure '' me of this everytime. 
The last request I mailed them my W2 with my name, employer, home address and SS # and I still do not have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have called, sent written notice, and disputed online for inquiries that I do not recognized and/or authorize. 

XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/2019XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Credit Management Corporation
State: MI

Complaint narrative:
I received a note on my front door on XX/XX/XXXX from Franklin Credit Management Corporation to call regarding a debt. There was no account number provided. The number is XXXX. 

I called and the woman asked me to verify it was me by giving my SSN and I foolishly did so. She said it was for a second mortgage in XXXX. I told her I never had a second mortgage and if this was truly a debt it was no longer cals 14 years later. She told me to make a fraudulent mortgage report with the police because it was real and her attorneys were handling it. She said. Could send them an email requesting all of the supporting documentation and gave me the email address but still no account number. ( XXXX ) I asked if I had taken a second mortgage out in XXXX why had it never shown in my credit report? Ever? Because this was fraud. She hung up. 

I sent an email requesting supporting documentation and if they did not have it to stop calling me. I did not receive anything. 

Today, XX/XX/XXXX, I received a call from the same company, same woman and when I said she and I had this conversation last week she hung up on me. When I call the number back now nobody answers. This needs to be stopped. How many people are falling for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Utah System of Higher Education
State: GA

Complaint narrative:
I am XXXX  XXXX. XXXX and I have notified Cornerstone Loan Services department multiple times in writing that the loan was forgiven. XXXX and I have participated in multiple conference calls with Supervisors from Cornerstone over the past 22 months who committed to bringing closure to this issue. Once the conference call ends no further action is taken by Cornerstone and they never contact me back with an update status as they have committed to during the conference calls, The Department of Education has provided them clear directions multiple times since XX/XX/2019 and they have failed to take action required by the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a capital one credit card years back and when I tried to pay it back Th wouldnt let me and said its already in collection. So its really messing with my credit right now and I would like to get that fixed. Due to these hard times during this pandemic.

Company response to consumer: Closed with explanation