vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I filled a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I filled a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MS

Complaint narrative:
XX/XX/XXXX received call from a ace collection person who failed to identify himself and refused to send legitimate documents to my post office box for this loan that he said i owes since XXXX. He went on to say that he will be contacting my employers and relatives and shared the details of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: MI

Complaint narrative:
Experian and XXXX  are incorrectly reporting a bankruptcy on my credit report I don't have

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 2021-08-31 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have filled a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My father and I ( his son ) are applying for a mortgage with Chase Bank to purchase a XXXX XXXX  property. We sent in the documentation that was requested by Chase Bank in early XX/XX/2021 and we did not get a response to any of our questions or a status update until XX/XX/2021 which caused us to miss our mortgage approval date requirement by the seller. There have been multiple occasions Chase Bank requested documentation that was already submitted or requested documentation that should have been listed on the initial documentation request. This is delaying the entire process which forces me to pay for unnecessary items ( Property Insurance, Title Insurance, etc.. ) that I will not recover. I have been involved with multiple mortgages through a variety of banks and this is by far the worst experience I have had. The delay of the mortgage closure is preventing me from making future financial decisions and is increasing the risk of the seller withdrawing from deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Great American Finance Co
State: FL

Complaint narrative:
This account should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status and provide me with the date of the last activity for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CT

Complaint narrative:
My rights have been violated under the FCRA by equifax. 
Equifax is refusing to follow guidelines for handling my disputes fraud use on my consumer file. 
I first contacted XXXX XXXX when I received inquiry on my credit file XX/XX/2021. 
XXXX XXXX immediately closed account after confirming as fraud. 
I began first dispute with equifax instead of verifying and removing fraud account equifax kept info on my credit file as accurate. 
I did second dispute with equifax with letter from XXXX XXXXXXXX as fraud, equifax continued to allow fraud to remain on credit file as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Explanation of item being disputed : XXXX has reported incorrect information on my credit report. XXXX has listed that I was 90 days late on XXXX of XXXX, then they listed 120 days late on XXXX and XXXX of XXXX. If you take a look at my payment history you can clearly see that I made good payments in XXXX, XXXX and XXXX so how is it possible to be 90 days late in XXXX when I just made good payments the month before. Being that this information provided by XXXX is inaccurate I want to request that this file be deleted for my report. 
XXXX has also posted these inaccurate late payments in 3 different file what there is only supposed to be listed under one file. I request that all 3 file be deleted from my reported as listed in the follow suit policy. 

ATTACHED IS A COPY of the request for deletion from XXXX BUT non of the reporting agencies have deleted it from their files

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 2021-08-31 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: TX

Complaint narrative:
Explanation of item being disputed : XXXX has reported incorrect information on my credit report. XXXX has listed that I was 90 days late on XXXX of XXXX, then they listed 120 days late on XXXX and XXXX of XXXX. If you take a look at my payment history you can clearly see that I made good payments in XXXX, XXXX and XXXX so how is it possible to be 90 days late in XXXX when I just made good payments the month before. Being that this information provided by XXXX is inaccurate I want to request that this file be deleted for my report. 
XXXX has also posted these inaccurate late payments in 3 different file what there is only supposed to be listed under one file. I request that all 3 file be deleted from my reported as listed in the follow suit policy. 

ATTACHED IS A COPY of the request for deletion from XXXX BUT non of the reporting agencies have deleted it from their files

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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:
Explanation of item being disputed : XXXX has reported incorrect information on my credit report. XXXX has listed that I was 90 days late on XXXX of 2019, then they listed 120 days late on XXXX and XXXX of 2019. If you take a look at my payment history you can clearly see that I made good payments in XXXX, XXXX and XXXX so how is it possible to be 90 days late in XXXX when I just made good payments the month before. Being that this information provided by XXXX is inaccurate I want to request that this file be deleted for my report. 
XXXX has also posted these inaccurate late payments in 3 different file what there is only supposed to be listed under one file. I request that all 3 file be deleted from my reported as listed in the follow suit policy. 

ATTACHED IS A COPY of the request for deletion from XXXX BUT non of the reporting agencies have deleted it from their files

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 2021-08-31 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX  and Equifax are incorrectly reporting a bankruptcy on my credit report I don't have

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: IL

Complaint narrative:
XX/XX/XXXX, equifax, XX/XX/XXXXrefuse to correct info on my report even though it is paid in full. I have email confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have filled a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX, transunion refuse to correct info on my report even though it is paid in full. I have email confirmation

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 2021-08-31 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: IL

Complaint narrative:
Experian, XXXX XXXX refuse to correct info on my report even though it is paid in full. I have email confirmation

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 2021-08-31 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: AL

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1666 ( b ) - The truth and lending act and 15 US Code 1681 - Bankruptcy Law. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Lockhart, Morris & Montgomery , Inc. has been harassing me about a debt that I do not owe via telephone and mail. I have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; I have sent letters of me disputing this alleged debt. I have also sent them an affidavit of truth, debt validation, cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
They continue to call me after I have told them it is not my account. It has been removed from my credit file multiple times.

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 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: MA

Complaint narrative:
For the past 2 years, Gregory Funding, my mortgage collector has not made timely payments on my property taxes resulting in interest charges and fees. My City is demanding payment for these fees or I will have a tax lien against my home. I have reached out to them via phone and there is a 2+ hour wait. I sent an email through their Contact Us form and no response. I submitted the bill via an email I had previously with a tax issue and no response. These fees need to be paid by them, not out of my escrow as I did not create this problem. They are causing un-needed stress and financial problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CA

Complaint narrative:
I sent a notarized Affidavit of Fact and letter to Experian with specific instruction and updates that need to be made on my consumer file and 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 non-monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I opened my PayPal account towards the end of last year after reading online that they were great if you like online gambling. This proved to be true as I regularly used the account to make deposits and withdrawals to my casinos accounts easily and quickly. 

As well as funding my online gaming accounts, I use the account to send money to friends and also to withdraw funds to my bank account. A bank account that I have linked and verified with the PayPal account. 

I have used PayPal the account several times a week for the past few months without issue, until last week when I received an email stating they have limited all the features of my account. I received the email on XX/XX/25. To regain full access they requested a bank statement and an explanation of the transactions. I did not think much of this as I imagine I utilize the account more than most, and it's fair that they would run some checks every now and then. I responded the following day giving an explanation of what I use the account for and my bank statement from XXXX. 

The following day I received an email stating that I have two options. One, to refund my customers their money and have my account closed. Or two, to have my money frozen for 180 days and my account closed! I have no idea what is going on. I do not have customers and have never sold any goods or services. I informed PayPal of this but they still accused me of doing so. 

I replied to their email last week explaining the situation again, but they have ignored me and not responded. 

The balance of my account is {$31000.00} and I can't lose access to my money. I have not broken any of their rules and I don't know why they're not listening to me. 

Your assistance with this will be greatly appreciated because I don't know what to do and I don't believe they have the right to seize my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
During COVID-19 my bank ( Wells Fargo Mortgage ) offered me the federal gov instilled and backed mortgage deferral program - forbearance. 
After 14 moths of taking advantage of this offer and to defer my mortgage payments to keep my cash during the uncertain times, I have called Wells Fargo to restart my monthly loan payments.

Though, I am ready to pay my dues, they have told me to wait 6 weeks to make my first payment again. After checking my mortgage account I found out that my principal balance has increased by $ XXXX dollars. Not knowing the reason, I called Wells Fargo again to have it explained to me. They told me on the phone that this money is for past-due principal interest in the sum of {$2200.00} a month times XXXX = $ XXXX. 

My usual mortgage amount is $ XXXX/month and I feel this charge excessive to say the least. This is not what help looks like to me. 

The bottom line here is that Wells Fargo is taking advantage of hard working Americans who are trying to meet ends needs and trying to stay afloat by providing their families a roof over their head and providing food during difficult times. 
By taking advantage of this program, I have more than doubled my monthly house payment not deferring anything during the COVID-19 times.

That is NOT RIGHT!!!!!

Much appreciation for any help with this matter.

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