vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 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: CO

Complaint narrative:
Experian should not be reporting the XXXX XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account does not belong to me. This account belongs to my father. I have contacted XXXX, as well as Experian to remove this account from my credit report however, I have not been successful. This account is also reporting ( 90 ) days late and is seriously harming my credit score. Please remove this line item 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 2020-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unauthorized and unknown charges were made on my prepaid XXXX card on XX/XX/2020 in different states. I contacted issuing bank to replace card and recover the funds that were lost. Issuing bank replaced card but has not been able to begin a claim to recover the funds. Today is XX/XX/2020 and I have not been able to successfully speak to an employee at the bank from the claims department. Wait time on phone calls exceed 2-3 hours with no answer. No claim to recover the lost funds has started because the only way to do it is to speak with an authorized employee, which i have attempted with no success.

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 2020-05-11 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: GA

Complaint narrative:
XXXX XXXX  is reporting a balance of {$280.00} on a closed credit car account. How can there be a balance on a closed account? The account was paid off years ago and this information they are reporting is inaccurate.

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 2020-05-11 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient is showing a high balance of {$8000.00} on my XXXX XXXX credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
on XX/XX/XXXX and XX/XX/XXXX I filed a dispute with equifax according to the fcra 6 section 609 I haven't received any correspondence from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: CA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: GA

Complaint narrative:
XXXX is showing a high balance of {$8000.00} on my Trans Union credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.

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 2020-05-11 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: GA

Complaint narrative:
XXXX is showing a high balance of {$8000.00} on my XXXX XXXX credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: GA

Complaint narrative:
XXXX is showing a high balance of {$8000.00} on my XXXX XXXX credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.

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 2020-05-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

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 2020-05-11 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-05-11 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: CA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-05-11 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: CA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
We purchased a new car XX/XX/2020. The contract included auto start however the car had to have this installed. We called back multiple times XXXX and XXXX and were told to contact an outside company who they use to do the install for scheduling. We did and were told no order was sent. We called back Toyota and were apologized to and said it would be resolved end of day. This has happened 10 times. Finally we called in XXXX and were told because of COVID 19 that outside installs were on pause. We tried telling them this issue has been active since long before the virus became an issue. We called back XXXX to see what the hold up was and the outside company says they still dont have an order to install auto start. 
Toyota said they would call back by the end of business day, that again never happened now for the 12th time. 

Not sure why they are not wanting to install the auto start but it was literally a decision factor in purchasing this vehicle. We would never have bought had that not told us contractually, this would be added. Weve never owned a car without it and we also go through Toyota for now our 5th car. 
This is just insulting. Weve like to return the car if they have no intention on installing auto start as theyve already agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for to refinance my mortgage with Wells Fargo Home Mortgage on XX/XX/2020. The home is currently financed by Wells Fargo Home Mortgage. Over the next month, all the required documentation was sent in. On XX/XX/XXXX, I was notified by XXXX XXXX ( NMLS # XXXX ) that my loan was moved in the next level of review and the current time frames are 15 business days. I checked back with Ms. XXXX and the loan officer, XXXX XXXX XXXX ( NMLS # XXXX ) on XX/XX/XXXX. Ms. XXXX gave me a call on XX/XX/XXXX and all she could tell me was the loan was still in review for insurance. I explained to her that WFHM currrently has the mortgage and said insurance was/is acceptable. She said she could not explain why or what they were reviewing and only that the file was in still in review. I heard nothing from anyone after that phone call. I emailed again on XX/XX/XXXX to Ms. XXXX and Mr. XXXX with no response. Ms. XXXX 's auto-reply email had her supervisor, XXXX XXXX ( NMLS # XXXX ), name and email address on the response so I sent him a direct email on XX/XX/XXXX. Mr. XXXX did not and still has not responded. I sent an email to his supervisor, XXXX XXXX, on XX/XX/XXXX. His email stated he was out of the office returning on XX/XX/XXXX. I waited on the XXXX and no response. I then on XX/XX/XXXX, forwarded the message to Mr. XXXX 's supervisor, XXXX XXXX XXXX, while copying all of the subordinates aforementioned. Still no one from Wells Fargo Home Mortgage has responded to me with a status update or why it is taking them 60 days to review insurance they already have on an existing mortgage. I went to the Loan Status tracker to try to find a different way to escalate and found one other email contact for Mr. XXXX XXXX XXXX. I sent Mr. XXXX an email too on 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 2020-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I went over the miles on my lease and discovered that they were charging me XXXX per mile. However, the lease as written ties " excess use '' to any repairs needed to repair problems caused by excess use. My vehicle was turned in in perfect condition and didn't need any repairs. Also, the XXXX charge is excessive and bears absolutely no relationship to any diminution in value to the vehicle. When I call Infinity they lie about the terms of the contract and refuse to reduce any of the excessive charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank filed a frivolous complaint against me ( Michigan XXXX XXXX XXXXXXXX ) after they generated an unethical low-ball appraisal utilizing irrelevant comparable sales, likely done by a person not licensed in the state of Michigan, which is a violation of federal law. I was cleared of any and all wrongdoing by the state of Michigan 's Licensing and Regulatory Authority ( LARA ). 
Upon being cleared by LARA, Chase refused to accept LARA 's decision and repeatedly denied my appeals to be removed from their banned list, stating that nothing had been resolved. I remained on Chase 's Ineligible Appraiser List for two years after being cleared by LARA. After I submitted a complaint to the FCPB, Chase replied to both the FCPB and me that I had been removed me from their list ( apparently before my complaint, which I was never notified of ) and declared I was on their Eligible Appraisers List ; however, they never sent me another appraisal order, so they either falsely stated I was removed from the ineligible list, or they prevented me from doing appraisals by blacklisting me another way.

I would like to obtain the name and license number of their appraiser so I may pursue legal action against him or her, and, if my accusations are found to be valid, I would like your department to investigate and prosecute Chase Bank for knowingly ordering appraisals from unlicensed appraisers, and having them develop appraisals in violation of USPAP. Based on the most recent letter I received from Chase dated XX/XX/2020, they still refer to my appraisal as " deficient, '' even though I was cleared by the state of Michigan, with LARA stating " No violation of the Occupational Code, ... Board Rules, .. or Uniform Standards of Professional Appraisal Practice '' were present in my appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: GA

Complaint narrative:
The US Department of Education has been reporting student loan account incorrectly on each of my reports for years. I have disputed each account multiple times, and nothing has changed. The credit reporting agencies never send a reason why no investigation was done.

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 2020-05-11 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: GA

Complaint narrative:
The US Department of Education has been reporting student loan account incorrectly on each of my reports for years. I have disputed each account multiple times, and nothing has changed. The credit reporting agencies never send a reason why no investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: GA

Complaint narrative:
The US Department of Education has been reporting student loan account incorrectly on each of my reports for years. I have disputed each account multiple times, and nothing has changed. The credit reporting agencies never send a reason why no investigation was done.

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 2020-05-11 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:
My complaint Is against Equifax. I've noticed over the past 12 months that Equifax has been reporting on time payments to accounts in good standing, 30-60 days late. For example, a payment I made to an installment account on XX/XX/2020 has still not been reported to my account as of XX/XX/2020. It typically takes 45-60 days for them to update payments to my report.This greatly effects my credit score and ability to qualify for new credit. 

In addition, Equifax reports negative information to my report exactly on time. For example, A collection account I have was reported on XX/XX/2020. Throughout the past 12-months, Negative information has posted on the XXXX of every month. 

My complaint is that Equifax reports negative information on time and positive information late. Also, Their online account dispute is never available even though I am paying a monthly fee to have access to online disputes. 

Equifax claims that they report all information when they receive it from the creditor, However my creditors have given me detailed information that they are reporting payments to Equifax on time at the end/beginning of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: GA

Complaint narrative:
This XXXX XXXX XXXX  card account has been reporting incorrectly on my credit reports for years. I DO NOT recognize this account. It should NOT be reporting on my credit reports.

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 2020-05-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute on XX/XX/20 and XX/XX/20 with Transunion according to the FCRA the have 30 days to investigate.

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