vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 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: CA

Complaint narrative:
o Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

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 2021-09-09 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: AK

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  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 2021-09-09 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 XXXX  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 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp
State: MD

Complaint narrative:
As we were working out a mortgage with Mr. XXXX we opted to do an extended rate lock with a one time chance to opt into the open market rates within 60 days of closing. When the time came to lock in the rate, mr. XXXX did not present us with the open market rate ( which we found out after the fact was 3 % ) and opted instead to strongly push us towards the floated rate lock. The Floated rate lock was 3.5 % and we opted to purchase points to lower to 3.375. The problem is that he did not communicate in any form or fashion the open market rates and when I confronted him about it his response was that those are their interest rates which was not true. Once we had exercised the float he became much more transparent after I called him and his manager, XXXX. I tried to resolve this dispute with both of them and was eventually told that the Company committed no wrongdoing and the rates will be left as is. 

This should not have happened. XXXX first and foremost duty is to keep us informed. A complete picture needed to be painted prior to us being hurried into a decision. No one should treat their clients like this. If they are right and there truly is no wrongdoing then that means every single person in the United States needs to be an expert in mortgages or else they will be abused in this manner. We were mislead from the start which is not how an honorable business should be run. I lost XXXX USD and got a much higher rate than the open market.

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 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXXDate of Inquiry XX/XX/XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: GA

Complaint narrative:
On the morning of XX/XX/2021, I was at XXXX in XXXX with my mother. We purchased a chair and during the process of putting it in the car, I lost my Chase Sapphire credit card. My mother and I share this account and we are the only authorized users. I only noticed when we were at the next store, XXXX, trying to make a purchase that my card was missing. We searched the car and didn't find it. We went back to XXXX and asked anyone if they had turned in the card and no one had. I checked the Chase app and noticed three unauthorized charges on the account : one in the amount of {$100.00} from a XXXX transaction at XXXX, {$16.00} at XXXX XXXX and {$650.00} at XXXX XXXX XXXX XXXX XXXX all in XXXX XXXX At this time, my mother and I were together in XXXX and could not have made these purchases in XXXX. I notified Chase that my card was lost/stolen and they immediately canceled it and assured me that we would not be responsible for the unauthorized charges. 

On XX/XX/2021, I received a letter from Chase stating that they found there was no fraud committed for the XXXX and XXXXXXXX XXXX XXXX XXXX XXXX transactions and that I would be financially responsible. I immediately called them to appeal their decision. They told me that since both transactions were in-person and not on the internet, they automatically determined that it was an authorized charge. They reopened the case and sent me another letter on XX/XX/2021 stating that their decision hadn't changed. 

After searching forums to seek advice and what we can do at this point, I filed a police report with XXXX on XX/XX/2021 and the case number is XXXX with Officer XXXX who advised to file a police report with XXXX XXXX Police Department XXXX We couldn't figure out what XXXX XXXX XXXX XXXX was and all our XXXX searches led us to XXXX & XXXX XXXX at XXXX XXXX. He contacted them and XXXX XXXX XXXX XXXX stated it wasn't them. From previous experience, I knew that " XXXX* '' meant that the transactions was a XXXX point of sale. XXXX sent me to a receipt lookup ( hXXXX XXXX XXXX ). I still had the credit card info from the canceled card and I entered in the required details into the web form and it found the transaction which I've also attached. The transaction occurred at XXXX XXXX XXXX XXXX, which is a county address. XXXX XXXX XXXX XXXX is listed as an artwork category according to the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
DECLINING TRANSACTION FOR A LIMITED EDITION HAND BAG WHEN THE AVAILABLE CREDIT IS THERE AND I CALLED CUSTOMER SERVICE AND THEY CAN CARELESS! IM OFFENDED BY THIS TYPE OF HARRASMENT

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 2021-09-09 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: CA

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
Since XX/XX/2021 I filed several certified mailed in disputes and have called multiple times but received no response from XXXX, Equifax, and XXXX. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the financial burden you caused me. My information was also impacted by the multiple data breaches and may have got into the hands of the wrong person. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the accounts, they failed to provide evidence to support ownership of the accounts, they did not furnish the paperwork required to show 100 % proof that I own the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Disputed Bankruptcy came back verified from Experian. 

US Bankruptcy courts state they do not provide anyone ( including credit bureaus ) any information.

Congress states an investigation consists of interviews with associates, neighbors and friends.

Experian did not do a proper investigation therefore how could this bankruptcy thats on my file be 100 % accurate and verified as the FCRA states it must be?

My consumers rights to fairness, accuracy and privacy are being violated.

Unrebutted Affidavit also attached and serves as Truth.

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 2021-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/2020 I was charged {$470.00} for student loan payment. Per the COVID-19 emergency relief period I'm eligible for a refund for payments made after XX/XX/2020. I've contacted FedLoan Servicing and they said they made a request for a refund, but it could take up to two months. I followed up after two months when I haven't received the refund, but I can't get FedLoan Servicing to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CT

Complaint narrative:
equifax has been reporting inaccurate personal information on my consumer credit profile for sometime now and all efforts by myself to get this wrong and inaccurate information completely deleted from the information housed by Equifax under my consumer credit profile has proved futile. i demand this inaccurate address information ( XX/XX/2021 CURRENT XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ) be deleted immediately but Equifax for some weird reason is adamant on violating my rights guaranteed under the FCRA guidelines passed by the united states house of representatives. Their flagrant violation of the law and blatant refusal to comply with the guidelines set forth under the fair credit reporting act has exposed and made me vulnerable to all forms of fraudulent activities which i have grossly suffered for. i demand that Equifax cease and desist from its continuous and perpetual violation of my guaranteed rights which daily compromises by identity and Delete ( XX/XX/2021 CURRENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) from my credit profile immediately. This information has been disputed, invalidated and deleted by both XXXX AND XXXX. Equifax is yet to live up to the same credibility. i have attached evidence of a screenshot with a highlighted portion of the information in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The first credit card was opened for Kohls Capital One bank which was opened on XX/XX/XXXX. They are only reporting some of the payments I made on the account. When my account got closed ... they reported I made NO payments which is inaccurate. I then settled the debt of {$200.00} directly to the creditor on XX/XX/XXXX. BEFORE I paid or settled the debt I asked for a letter in writing to delete the account. The representative whom name is XXXX  extension XXXX stated to call back in 7 days for the letter of deletion to be sent out and for the credit bureaus to be updated. I never received that letter being over a YEAR later. The account is marked off as legally paid in full for less than the full balance. I reached out to the company XX/XX/XXXX to ask about the deletion letter since Ive reviewed my reports and it is hurting me financially and emotionally they stated they do not do pay to delete letters so now I feel I was lied too to just pay my debt and I am left with a negative remark on my credit. I disputed the charges via by mail, email, phone call... I am getting no resolution. 

The second credit card was by XXXX XXXX XXXX  which was opened on XX/XX/XXXX. I have sent in multiple disputes as well for this account via mail, email and by phone. They reported my account closed TWICE... .I have been trying to understand how a company can charge you twice for the same credit card? I repeatedly sent letters out JUST to get the one inaccurate charge off. I hired a credit repair company out of desperate needs to improve my credit report. They did not do much justice for my situation. I then was back at square 1 figuring out what to do. I called XXXX personally to get these inaccurate charges off. I settled my debt on XX/XX/XXXX for the amount of {$170.00}. I pleaded to them my responsibility of debt since I have been a member of them by having perfect payment history and I have 3 lines of credit open that are in perfect status. 

All I have received by the companies via mail is letters stating what I owe ... which is a balance of {$0.00} for the company. No information further of them deleting the account or any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I C Systems placed a collection on my credit report. It is for {$600.00} for XXXX electric and gas. This debt is placed with a separate agency, XXXX XXXX XXXX since XX/XX/XXXX. They are placing a duplicate collection onto my credit report for the same debt. They have never even attempted to contact me, neither has XXXX XXXX XXXX. I need this collection removed as the duplicate is hurting my credit. Besides the fact that the dates of origin on I C Systems is not accurate. This is an old debt owed by an ex boyfriend and his father that never paid their bill.

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 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We are one of the many American 's that experienced hardship as a result of covid-19 Lockdowns and restrictions. Sometime on or before XX/XX/XXXX, we contacted our mortgage servicer ( PHH Mortgage ), and explained that as a result of lockdowns and covid-19 restrictions, could not meet the mortgage payments. In response, a PHH Mortgage representative told us not to worry and further claim that PHH was helping their customer get thru the pandemic. The representative said that we was placed on a forbearance plan and when ready to resume the mortgage payments, all unpaid balance would be placed on the back of the loan. We have been trying to resume our mortgage payments for many months while PHH have entertained us with many follow up calls and paper work to no avail. PHH Now wants us to pay the full balance and filed a foreclosure action despite our verbal forbearance agreement back in XX/XX/XXXX. Instead of honoring our forbearance agreement, PHH filed a law suit on XX/XX/XXXX for non payment. PHH has engaged in Unfair Business Practices, misconduct, and abuse in connection with the Cares Act. Under the Cares Act homeowners can engaged into forbearance agreement due to the pandemic restrictions and lockdowns. Clearly PHH has violated every sentence of the Cares Act in connection with this loan. We ask that you investigate the matter and forward a copy of this complaint to the Government Accountability Office NPR for sanctions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CA

Complaint narrative:
o Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
o Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

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