vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I pad JPMCB the full balance of my credit card which was {$1100.00}. XXXX  refuses to update my credit file with proper information pertained to this account, they refuse to fix my report. I will attach a detailed letter outlining my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 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: NY

Complaint narrative:
Related to NYS Attorney General File # XXXX attached XXXX XX/XX/XXXX communication stated : our records indicate that on or about XX/XX/XXXX, Mr. XXXX accepted our offer of an exchange for his phone Related to # s XXXX and XXXX, Consumer Financial Protection Bureau communicated : STATUS Company response is in progress as of XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX follow-up resolving texts were received from XXXX, # XXXX : " Hello Mr. XXXX, This is XXXX with XXXX XXXX XXXX XXXX. We will be reaching out to offer you a refund due to the time it has taken to get a device in stock. What is a good contact # and time for us to go ahead and reach out to get the process started? Background : 4 months past, the initial communication from XXXX was XX/XX/XXXX : Good Morning this is XXXX the supervisor of the XXXX XXXX XXXX XXXXHere is your ticket # : XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, attached letter advised : still investigating your dispute claim. 

XXXX supervisor XXXX refund offer was accepted, never an exchange as XXXX XX/XX/XXXX mischievously reported to and by NYS Attorney General. The scope, confusing and credit score negative impact of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, credit bureau reporting is attached ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Bureau Reporting. 

4 transactions are detailed in attached PURCHASE of XXXX XXXX XXXX XXXX XXXX and RETURN of XXXX XXXX  XXXX. The XX/XX/XXXX and XXXX, XXXX refund of the XXXX XXXX XXXX XXXX purchase ( 1 ), XXXX  XXXX return ( 4 ) and 2 other related transactions ( 2 and 3 ), as evidenced in attached, remains awaited. 

Please confirm the transaction order of the XXXX supervisor XXXX refund to be 4, 3, 1 and 2. 

Reply, reflecting XX/XX/XXXX and XX/XX/XXXX promised XXXX refund, from XXXX XXXX XXXX XXXX XX/XX/XXXX letter also remains awaited. 

Confirmation is awaited from XXXX  and TransUnion that they will not be willing maligned participants in the XXXX XXXX XXXX XXXX XXXX mischief as they did to my burdensome XXXX fraud hurt ( XXXX XXXX account # XXXX XXXX XXXX ), re : attached ACTIVITY ON XXXX  AS REPORTED BY XXXX  XX/XX/XXXX to XXXX XXXX. 

XXXX  chose avoidance of the XXXX fraud. Confirmation is awaited from XXXX  that they will not be willing participants in the XXXX XXXX XXXX XXXX XXXX mischief.

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 2021-08-03 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:
Related to NYS Attorney General File # XXXX attached XXXX XX/XX/XXXX communication stated : our records indicate that on or about XX/XX/XXXX, Mr. XXXX accepted our offer of an exchange for his phone Related to # s XXXX and XXXX, Consumer Financial Protection Bureau communicated : STATUS Company response is in progress as of XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX follow-up resolving texts were received from XXXX, # XXXX : " Hello XXXX XXXX, This is XXXX with XXXX XXXX XXXX XXXX. We will be reaching out to offer you a refund due to the time it has taken to get a device in stock. What is a good contact # and time for us to go ahead and reach out to get the process started? Background : 4 months past, the initial communication from XXXX was XX/XX/XXXX : Good Morning this is XXXX the supervisor of the XXXX XXXX XXXX XXXXHere is your ticket # : XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, attached letter advised : still investigating your dispute claim. 

XXXX supervisor XXXX refund offer was accepted, never an exchange as XXXX XX/XX/XXXX mischievously reported to and by NYS Attorney General. The scope, confusing and credit score negative impact of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, credit bureau reporting is attached ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Bureau Reporting. 

4 transactions are detailed in attached PURCHASE of XXXX XXXX XXXX XXXX XXXX and RETURN of XXXX XXXX  XXXX. The XX/XX/XXXX and XXXX, XXXX refund of the XXXX XXXX XXXX XXXX purchase ( 1 ), XXXX  XXXX return ( 4 ) and 2 other related transactions ( 2 and 3 ), as evidenced in attached, remains awaited. 

Please confirm the transaction order of the XXXX supervisor XXXX refund to be 4, 3, 1 and 2. 

Reply, reflecting XX/XX/XXXX and XX/XX/XXXX promised XXXX refund, from XXXX XXXX XXXX XXXX  XX/XX/XXXX letter also remains awaited. 

Confirmation is awaited from XXXX  and XXXX  that they will not be willing maligned participants in the XXXX XXXX XXXX XXXX XXXX mischief as they did to my burdensome XXXX fraud hurt ( XXXX XXXX account # XXXX XXXX XXXX ), re : attached ACTIVITY ON XXXX  AS REPORTED BY XXXX  XX/XX/XXXX to XXXX XXXX. 

Equifax chose avoidance of the XXXX fraud. Confirmation is awaited from Equifax that they will not be willing participants in the XXXX XXXX XXXX XXXX XXXX mischief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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 the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: PA

Complaint narrative:
On XX/XX/21 I sent out dispute letters to the three credit agencies, Experian, XXXX, and XXXX. I disputed multiple Unverified accounts that were negatively impacting my credit score preventing me from positively using my credit and I feel as though their not taking my dispute seriously. It's been 43 days now which is almost 2-weeks past the 30-days for them to notify me my results regarding this investigation. I called each agency several times to try to resolve the issue and each time was unsuccessful. I strongly feel as though that my rights have been violated from these agencies.

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 2021-08-03 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: IL

Complaint narrative:
The problem is I reported inaccurate inquiries to TransUnion and instead of them investigating and removing the false & unauthorized inquiries they just mailed me a general letter about inquiries. I found that disrespectful to say the least. My personal information was used against my consent and for TransUnion to not even properly investigate the matter is totally unacceptable. I have attached all letters and documents I sent to TransUnion. Thank You XXXX bless

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 2021-08-03 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Amex and American Express has reported me as deceased without proper information. My credit score is XXXX and this effects everything as they keep marking my account as accurate and I am not deceased. How did they even report that? Where did they get that information from?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I received a nasty collections letter from Sequim Asset solutions LLC threatening my credit score of XXXX for an alledged debt of {$91.00} to XXXX  mobility. while i have 2 XXXX  accounts, one for home internet and one for wireless internet in my XXXX, both of those accounts are on auto pay. I do not have a third account with XXXX. said collections agency is threatening my credit rating. As a small business owner my personal credit is extremely important to me. I do not owe this debt and there collections tactics are extremely threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: PA

Complaint narrative:
On XX/XX/21 I sent out dispute letters to the three credit agencies, XXXX, TransUnion, and XXXX. I disputed multiple Unverified accounts that were negatively impacting my credit score preventing me from positively using my credit and I feel as though their not taking my dispute seriously. It's been 43 days now which is almost 2-weeks past the 30-days for them to notify me my results regarding this investigation. I called each agency several times to try to resolve the issue and each time was unsuccessful. I strongly feel as though that my rights have been violated from these agencies.

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 2021-08-03 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: PA

Complaint narrative:
On XX/XX/21 I sent out dispute letters to the three credit agencies, XXXX, XXXX, and Equifax. I disputed multiple Unverified accounts that were negatively impacting my credit score preventing me from positively using my credit and I feel as though their not taking my dispute seriously. It's been 43 days now which is almost 2-weeks past the 30-days for them to notify me my results regarding this investigation. I called each agency several times to try to resolve the issue and each time was unsuccessful. I strongly feel as though that my rights have been violated from these agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: FL

Complaint narrative:
On XX/XX/2021 I paid XXXX XXXX the full amount of my delinquent credit card debt in the amount of {$440.00}. TransUnion refuses to update my account status. I have disputed this information and they continue to erroneously report false information.

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 2021-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
After working for the XXXX XXXX for a number of years and making payments toward my federal student loans under PSLF, I decided to go back to school part time and get a XXXX XXXX. After I went through the financial aid process and started classes in the fall XXXX term, I called and spoke with FedLoan Servicing who advised me that it was categorically not possible to continue to make qualifying payments under PSLF while I was enrolled in XXXX XXXX. I continued to work full time for the XXXX XXXX  while going to XXXX XXXX for another four years. I did not make payments during this time and instead put my loans into forbearance where it accrued a considerable amount of interest. I now have {$470000.00} in student loans ( {$63000.00} of which is interest ) and am trying to plan my career and life around how to repay that. I have since learned that I actually could have made PSLF-qualifying payments while in law school -- this means I lost nearly four years in qualifying payments. In addition, the payments that I made under PSLF while I was working for the federal government before law school do not appear in the " Public Service Loan Forgiveness ( PSLF ) Payment Tracking '' feature on FedLoan Servicing. When I've reached out to FedLoan Servicing they weren't able to help. I should have kept records of every payment and notes of every conversation -- but it didn't occur to me that in such a major transaction, the financial institution wouldn't keep my payment records or would give me incorrect information about something so critically important. I worked for the XXXX XXXX for seven and a half years -- from XX/XX/XXXX to XX/XX/XXXX -- but I am looking at starting over with a completely blank slate. Is there anything I can do to avoid this outcome?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I paid Wells Fargo the full amount of my delinquent credit card debt in the amount of {$440.00}. XXXX  refuses to update my account status. I have disputed this information and they continue to erroneously report false information.

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 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been paying on my Capital One account for over two years although it is reported as closed. Each month after making my scheduled automatic payment, my balance of {$2400.00} continues to be erroneously reported as the same although there is a statement in my email and on my credit reports that states the balance is updated on the XXXX of each month. However, the balance has not been updated in over six months or more. Therefore, I am attaching my payment schedule which reflects that I have XXXX payments of {$94.00} and one payment of {$94.00} left to pay off the balance as of XX/XX/22 which totals {$1400.00}. This is a difference of {$1000.00} which will make a difference in my total debt to income ratio on my three credit reports. In addition, it is important to have this balance reported correctly because it negatively impacts my credit score especially when I am in the process of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Westlake Services, LLC
State: NC

Complaint narrative:
The vehicle was paid off attached is a copy of the paid off letter that they sent me. I need it removed 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 2021-08-03 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: WV

Complaint narrative:
Equifax Workforce Solutions ( The Work Number ) fails to send full disclosure report after multiple requests. The Work Number fails to send the report and repeatedly continues to request identification and proof of address, despite that information being sent with each request. Summary of requests : XX/XX/21 via standard mail requesting a full disclosure report - I included high resolution copies of state ID, passport, and a utility bill. I received a request for id and proof of address dated XX/XX/21. On XX/XX/21 I mailed, via certified mail bearing tracking XXXX requesting full disclosure report - again I included high-resolution copies of ID, passport and electric bill. Their response was to send yet another request for ID and proof of address dated XX/XX/21. These companies hold an enormous amount of power over consumers ; It is not unreasonable for consumers to expect their responses to be timely, unambiguous and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
At the onset of applying for the Public Service Loan Forgiveness, I never received information about my loans and how the Public Service Loan Forgiveness applied to my situation. As I continued to submit my annual certification with the supporting documentation, I never received anything from them. I followed up with calls and they confirmed that they received it and would be applied to my loans. It wasn't until about three years into repayment with the PSLF, I was told that my indirect loans were eligible for the program and that I needed to consolidate the loans to a direct loan. I did that, but with that, I lost about 3 years of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. I the original creditor extended them credit and the alleged interest, and insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law 15 USC 1605. They have committed fraud and several violations of the FDCPA and TILA. I never received a Material Disclosure of any of the information about my right to recission pursuant to 15 USC 1635 that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail and i am now enforcing my rights to Cease and Desist Pursuant to federal law 15 USC 1692c. I've included documentary evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not responded to any of my affidavits of truth since XX/XX/XXXX and silence is acceptance, see National Union Fire Insurance Co. v. Ehrlich, 122 Misc. 682 ( N.Y. App. Div. 1924 ). My reputation has been damaged through the credit reporting agencies, this fraudulent loan raised my debt to income ration and i was turned downed for other consumer credit transactions because of this alleged debt on my consumer report. cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
The mortgage company has not contacted me regarding assuming the loan after my husband 's death but they have spoken to an unauthorized third party - the office at our mobile home park - and told them that they are " evicting me ''. I already complained in another complaint yesterday about the lawsuit they filed against me for occupancy. 

As a result of them speaking with the unauthorized third party I received a phone call from Texas Rental Relief about my application for funds for the back rent. Texas Rental Relief stated that the office at the mobile home park is refusing to accept funds for the back rent because the mortgage company told them they were " evicting '' me. In fact they are attempting to illegally gain occupancy by not allowing me access to loss mitigation and not assisting me with assuming the loan.

Now I am not only being denied assistance with loss mitigation with regards to my home but also being denied access to federal funding made available for people suffering from financial impact due to Covid-19.

Company response to consumer: Closed with explanation