vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-19 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: FL

Complaint narrative:
Since XXXX I have been trying to have a Debt Collection company removed from the Credit Agencies ( XXXX, XXXX, and Equifax ). 
The negative reporting was removed in XXXX from XXXX, in XXXX it was removed from XXXX, as of this date Equifax will not remove the dispute. Five requests have been sent to Equifax with the last one sent XX/XX/XXXX. Equifax dispute online via internet does not work properly and phone calls achieve nothing but a run around. 
All disputes with Equifax have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Card Services, closed my account for a subjective reason. I've had the account for about 2 weeks when this happened. I followed the rules and I was led to believe that I would get points for making an account with them. So, I was using the card for about 2 weeks and my credit was pulled before I was approved. I received a letter stating that they are closing my account for a misleading reason. I do not believe that Chase can discriminate against its own customers. I've written to their executive office and had calls. The executive sovereign department is so unreachable to its " discriminated '' customers. I would like to request for my account to be open and credit restored. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: TN

Complaint narrative:
The XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX violated my 609 rights bu reporting incorrect information to Equifax further violated my rights by adding this incorrect information to my credit profile for others to see XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, Equifax XXXX XXXX XXXX, XXXX XXXX XXXX reported to Equifax that i applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
on and about XX/XX/1920 we called mr cooper who is our mortgage co about there forbearance plan spoke to XXXX XXXX a rep from me cooper asked him how it worked to delay payments as we are seniors and having difficulty at this time he seemed to not know how to explain to us the program my husband kept asking him questions he said we would have 3 months of no payments but when my husband asked how we pay back he kept giving us different answer he kept giving us different money figures how we pay it back it didnt make sense to us so my husband figured out and gave him what it was going to be {$2100.00} added on to our monthly alternative wasnt acceptable to us we told XXXX we needed to think about this letter dated4XXXX  came in saying we were accepted gor this program we never okayed this this is fraud against me cooper and XXXX XXXX we received this letter on XX/XX/1920 we told her we never said we wanted to do this they also discontinued our autopay shw was sending a stop order on on XX/XX/1920 we also paid our mortgage payment to her that day she said it would take 3-5 days then my husband called on the XXXX because nothing was cancelled for the forbearance as of the XXXX nothing has been done XXXX XXXX deceived ud and has caused us stress in a time that people have there health and money problems they did us a disservice we as we feel we dont want our account with me cooper anymore feel that should pay off our account with them or transfer us to a reliable company fraud has not they way a company should be run

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I Have never applied for credit in the years before. When i started to check my credit in 2017 i realized that someone was using my social security to work and to obtain credit. I filed a identity theft report. All accounts have been removed from my accounts that were not supposed to be there but 2. XXXX account and Chrysler capitol. I NEVER signed any paper work or obtained loans from these creditors. I asked Chrysler capitol to give me information on the person that obtained the loan. They didnt want to. They just kept saying that these are my loans. THEY ARE NOT. They didnt have any employer information, how would they give a loan to someone that didnt have a job? i need this removed from my credit NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: TN

Complaint narrative:
XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX reported to Experian that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

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 2020-04-19 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: AZ

Complaint narrative:
I Have never applied for credit in the years before. When i started to check my credit in 2017 i realized that someone was using my social security to work and to obtain credit. I filed a identity theft report. All accounts have been removed from my accounts that were not supposed to be there but 2. XXXX account and XXXX XXXX. I NEVER signed any paper work or obtained loans from these creditors. I asked XXXX XXXX to give me information on the person that obtained the loan. They didnt want to. They just kept saying that these are my loans. THEY ARE NOT. They didnt have any employer information, how would they give a loan to someone that didnt have a job? i need this removed from my credit NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC points VISA PNC Bank Credit Card XXXXXXXXXXXXXXXX balance now over XXXX on a XXXX limit. Had tried closing the account at XXXX balance but they never allowed it to close and problem person used credit card. 

help please.they will not close the account even when it was at {$1200.00}. I have repeatedly asked them to close it and they say they are but do not take action, then try jacking up the credit card even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, US BK XXXX COURT violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Transunion XXXX XXXX, Transunion XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX reported to Transunion that i applied for credit I never. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

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 2020-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DE

Complaint narrative:
On XX/XX/XXXXI send money from one account of my to another on the attached documents it says it was sent I never receive it I called they transfer me to a fraudulent department to answer some questions where the money came from and where it was going XXXX questions that I I answer that was really none of their business then they said we are going to release the funds then all on a sudden the system crashes and I would have to wait 48 hours so I called Monday they I have to wait another 48 hours Wednesday same thing Friday same thing Same thing I called this Sunday they said 24 hours when I call tomorrow it will be the same I put a complaint in with my bank, XXXX, and the the two companies they have on the bottom of this attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: CO

Complaint narrative:
I have a collection on my credit report for a {$400.00} opened XX/XX/2018. The original creditor is XXXX XXXX XXXX. The collection agency is XXXX XXXX XXXX. I came to a settlement agreement with XXXX to pay {$260.00} of the {$400.00} collection to close and remove the account which i paid. The collection is still being reported. I'm currently in the process of buying my first home and this collection still being reported has my lender at a stand still. I can not proceed any further buying a home because of this reported collection. I've paid the debt as agreed and am still being hindered as if i didn't pay the debt. I disputed this with the credit bureaus and asked them to investigate and requested all documentation verifying where they came up with the {$400.00} balance. XXXX responded in about 10 days and I never received any documentation which means they didn't investigate anything. I then contacted XXXX XXXX XXXX asking for good faith to remove the paid collection and inquiring about why they have not removed the settled account from my report. I was told " that the contract they have with their client XXXX XXXX XXXX. doesn't want anything removed from the report no matter what the status of the collection is ''. I then contacted XXXX XXXX Rapid Review Department and explained my situation to them and asked why their contract with XXXX doesn't allow for paid collections to be removed. The Rapid Review Department informed me that there is no contract. During my phone call with Rapid Review I found out that that XXXX did not complete everything needed once i paid the settlement. they were supposed to contact XXXX XXXX to inform them we came to a settlement agreement that i paid and the remaining balance of {$140.00} of the original debt was to be credited to me as a balance of {$0.00} which never happened. XXXX XXXX showed that I still had an outstanding balance of {$140.00}. If the the credit bureaus had properly investigated and gathered the documentation I requested this should have been brought to light. I was told to contact and file a complaint with the Consumers Financial Protection Bureau, State Attorney Generals Office and a consumer law, law firm. Thank you for your time.

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 2020-04-19 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: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I have a collection on my credit report for a {$400.00} opened XX/XX/2018. The original creditor is XXXX XXXX XXXX. The collection agency is Waypoint Resource group. I came to a settlement agreement with Waypoint to pay {$260.00} of the {$400.00} collection to close and remove the account which i paid. The collection is still being reported. I'm currently in the process of buying my first home and this collection still being reported has my lender at a stand still. I can not proceed any further buying a home because of this reported collection. I've paid the debt as agreed and am still being hindered as if i didn't pay the debt. I disputed this with the credit bureaus and asked them to investigate and requested all documentation verifying where they came up with the {$400.00} balance. XXXX  responded in about 10 days and I never received any documentation which means they didn't investigate anything. I then contacted Waypoint Resource group asking for good faith to remove the paid collection and inquiring about why they have not removed the settled account from my report. I was told " that the contract they have with their client XXXX XXXX XXXX. doesn't want anything removed from the report no matter what the status of the collection is ''. I then contacted XXXX XXXX Rapid Review Department and explained my situation to them and asked why their contract with Waypoint doesn't allow for paid collections to be removed. The Rapid Review Department informed me that there is no contract. During my phone call with Rapid Review I found out that that Waypoint did not complete everything needed once i paid the settlement. they were supposed to contact XXXX XXXX to inform them we came to a settlement agreement that i paid and the remaining balance of {$140.00} of the original debt was to be credited to me as a balance of {$0.00} which never happened. XXXX XXXX showed that I still had an outstanding balance of {$140.00}. If the the credit bureaus had properly investigated and gathered the documentation I requested this should have been brought to light. I was told to contact and file a complaint with the Consumers Financial Protection Bureau, State Attorney Generals Office and a consumer law, law firm. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to file a complaint against XXXX, XXXX and Equifax Credit reporting agencies, I have been communicating with them via fax, mail, phone call for the past months ( since XX/XX/2019 ) to have my credit report corrected and delete what was not supposed to be my account since I was a victim of identity theft. I submitted to them a copy of the police report and all the attachments, Equifax has not deleted the information that needs to be corrected inspite of my repeated request of investigations and update of my credit report. I am an XXXX XXXX or XXXX XXXX  and I have been having difficulty getting a business loan or any personal loans especially with this COVID 19 pandemic which I need to get a business loan and can't get any approval from anyone because Equifax is not giving me the right information on my credit profile. XXXX is saying that I currently have no positive score or credit established to give me a score. I am XXXX fico score with XXXX. Equifax at one time last year reported me as DECEASED and after I called and send them letter for months is the only time they corrected it. Some creditors have told me that they already sent a deletion of the negative information due to identity theft but XXXX and Equifax is not doing what they are suppose to be doing. I have established 4 years of car loan with XXXX, I have XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX which I have almost 2 years now with a good payment history and yet XXXX is saying I don't have a positive credit history. Please help me with this problem as I have been dealing with them for a year and one time used a credit repair agency to help me I have paid almost XXXX to help me but the credit reporting agencies have not done anything to resolve the problem. Aside from these 3 credit bureaus, the creditors that I want to file a complain is XXXX XXXX, XXXX XXXX, and the XXXX XXXX XXXX. Thank you so much for your attention regarding this request. I am hoping to hear from you and your assistance with this matter is highly appreciated. Be blessed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: IL

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) account reported as delinquent should be reported as Paid-in-full or closed. A Deed in lieu of foreclosure was returned to them XX/XX/XXXX to satisfy debt on a timeshare purchase. Although they have the property back, they continue to invoice monthly and report a delinquency to your bureau. 
It is my understanding that the Deed in lieu of foreclosure returned the property to them and paid the debt. This is what they asked me to do in XXXX when they sent me the paperwork to be signed. Yet, this is reported monthly to Experian as a delinquent account. I filed a ( 2 ) complaints and asked Experian to investigate this. My credit file with Experian still contains this negative information as of 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 2020-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
At XXXX on XX/XX/2020, my husband received a fraud notification from Chase bank that a purchase for {$18.00} was approved on our debit card ending in XXXX at XXXX XXXX. The text asked if it was him that made this purchase. He replied " NO ''. My husband logged on to our mobile banking app with Chase and the charge was not there, but there were 3 " pending '' charges for {$500.00}. My husband promptly called Chase and as he was on the phone with the representative who was asking questions and deactivating my husband 's debit card, 4 more identical charges were made for the exact amount as well as a charge for {$780.00}. There was a total of {$4300.00} taken from our account from someone in the XXXX. The bank representative gave us a temporary credit while the " investigated '' the claim. Today, we received an email stating that the claim was denied and the bank would be removing {$4300.00} from our account. I XXXX the companies that were on the transaction statement and " XXXX '' in XXXX ( XXXX XXXX ) is a mobile banking app that neither my husband or I hold an account with nor have we ever heard of. The other company is " XXXX '', a clothing company in XXXX, XXXX ( again, I have never heard of this company ). We have our debit card in hand, it was never lost or have we EVER been to XXXX. I am disturbed that Chase denied this claim given we were ON THE PHONE with them while the transactions were taking place. Furthermore, the charges continued to post even after the card was deactivated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CO

Complaint narrative:
ENHANCED RECOVERY Recent balance {$5300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Original creditor XXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$5300.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual I have no idea why this would be on my credit plus the amount is unrecognizable. I've never owed that to any company.

Company response to consumer: Closed with explanation