vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 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: TX

Complaint narrative:
I am submitting a complaint against XXXX and Equifax for reporting inaccurate information on my credit report that is currently damaging my credit. I have attempted several times to get in contact with the credit agencies about their reporting and the account still is not removed or fixed. I have attached documentation directly from XXXX XXXX where the account was paid in full. Meaning there should be a {$0.00} on the account. That is not the case, every month they have been reporting a balance of {$1900.00}. I have highlighted the account on my credit report so you see how they are reporting the account. Under the Fair credit reporting act I am exercising my rights to get this account deleted from my credit file. They have done enough damage to my scores with their inaccurate reporting. 

Days I submitted my own disputes:XX/XX/XXXX, XXXX, XX/XX/2019. I have attempted to get this resolved several times. 

XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Scheer, Green & Burke L.P.A.
State: MI

Complaint narrative:
My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, MI XXXX. Debt Collector came to my home asking for XXXX XXXX. When he was told that she does not reside here continue to pursue posting paperwork on my door. I asked him to remove it and he said no that he is doing what the court told him to do and this is the address they have and continued to be rude and still taped paper to my door. Then when I asked him again he told me to mail it to her and that she owed XXXX and they are trying to collect and they will take her to court and get a default judgement against her. Once again I am not XXXX XXXX have nothing to do with this debt and was treated rude and he disrespected me and my son and my home and told us all the information about who and what she owed and that she was being sued. I am requesting that this company, this man, this attorney office and anyone related to this company not come to my home again. I have the entire incident recorded on my XXXX alarm and on my cell phone. She does not live here and I want them to stop coming to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: VA

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: VA

Complaint narrative:
Equifax, XXXX, And XXXX are not doing a investigation on the Dept of education student loan accounts on my credit report. There is inaccurate information reporting and its making it impossible for me to do what i need to do credit wise with negative reporting. I have reached out to all bureaus and disputed it and nothing was done. These accounts are coming back verified from the credit bureaus.XXXX last reported a balance of XXXX on XXXX XXXX opened XXXX. With a monthly payment of XXXX dollars. Payment status in collections/Charge off! How is this possible? Equifax is reporting a balance of XXXX on XXXX XXXX opened XXXX XXXX. Account status closed. XXXX last reported a balance of XXXX on XXXX XXXX opened XX/XX/2012. Payment status seriously past due date/ account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to get the interest rate dropped since XXXX. 
hey are trying very hard to not support or allow me to refinance at a lower rate. 
Each time I put in my complaint, they send a letter stating that it has been resolved

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 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On XX/XX/2019, Quicken Loans ran an unauthorized credit inquiry in order to refinance my mortgage loan, of which I did NOT want to refinance. I was very clear that I was NOT interested in refinancing and requested that they stop calling each time that I received a call from one their associates. The phone calls were many, I would consider it harassment, especially because they proceeded with working to close the loan, of which I did NOT want to proceed. I found this out when I went to make my mortgage payment online and on my home page it listed another loan with the header : " We're Working to Close. '' I am currently trying to sell our home, we have no reason to refinance, nor did I authorize any credit Inquiry to be done by Quicken Loans. I contacted Quicken Loans immediately upon this discovery, I was told an investigation needed to be done, and it would be a few days. On that day, I spoke with a woman named XXXX, and requested that Quicken Loans retract the unauthorized Credit Inquiry immediately. Within that time, I received a packet of paperwork to proceed with the loan, this packet was sent by a person who goes by the name of XXXX XXXX, with the title of " Power Banker. '' I am devastated by the fraudulent actions of Quicken Loans, and their willingness to conduct business in such a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I set up a CD with BMO Harris Bank and I originally had automatic payments going into the account to settle the full amount of the CD. However, the last 3 months of the CD, someone got a hold of my  account and routing number information and I was unable to get this resolved in time to make the payments. By the time I received the letters I was almost two months behind on the payments. It took a  while for the fraud department to get this taken care of and the funds reversed into the account. As soon as I found out about the situation I placed the remainder of the money into the account to close the CD including all of the late fees. If I can get this removed off of my credit report I sure would appreciate it. I had this CD for 3 yrs and didn't miss a payment and this mark on my report has caused it to go down. If you can look into this for me, I sure would appreciate it.

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 2019-07-01 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: TX

Complaint narrative:
I paid off my XXXX Mortgage Account XXXX. XXXX in XX/XX/2018. XXXX is still reporting that I owe money on this account to EXPERIAN and XXXX. By incorrectly reporting this amount to EXPERIAN and XXXX, XXXX is driving down my credit score with EXPERIAN and XXXX. Could CPFB please get XXXX to correct this? Thank you for your assistance with this request.

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 2019-07-01 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient student loan was supposed to remove missed payment in good faith within new agreement. My wife has chronic illness from XXXX XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: TX

Complaint narrative:
I paid off my XXXX XXXX Account No. XXXX in XX/XX/2018. XXXX is still reporting that I owe money on this account to XXXX and TRANSUNION. By incorrectly reporting this amount to XXXX  and TRANSUNION, XXXX is driving down my credit score with XXXX  and TRANSUNION. Could CPFB please get XXXX to correct this? Thank you for your assistance with this request.

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 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In or around the summer of XXXX, my bank account was closed out by Chase bank. I was told that no information could be provided to my as to why. 

My wife had several accounts. Some of which were joint accounts with her and I and some she had added me to. 

I know a few people that have higher managerial roles within the bank and when I asked them to look into it for me, they advised that they closed my accounts based on a negative history with ANOTHER bank, XXXX XXXX XXXX. 

I pulled my consumer reports, both XXXX  and XXXX XXXX XXXX  ( XXXX  ), and my records are crystal clear. I don't owe any banks any money, not XXXX XXXX XXXX nor Chase. 

I used to work for XXXX XXXX XXXX and I bounced a check back in XXXX. I was terminated and all my accounts were closed. From then on, XXXX  XXXX XXXX has me on a indefinite fraud block and says that I can't get an account with them until XXXX. 

I'm well aware that XXXX XXXX XXXX and Chase bank own XXXX which means that they can ultimately share internal data and records. Although they have the ability, it's an unethical and illegal practice. At best is discriminatory. Chase is Chase and XXXX  XXXX XXXX is XXXX XXXX XXXX. 

I'm now in the position, both credit wise and financially, to become a Chase Private Client, and I am unable to take advantage of the benefits that many of my elite counterparts. Like I said, at best, not allowing me to be an account holder with Chase, is at best discriminatory. Because I have not negative history with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: PA

Complaint narrative:
XXXX student loan was supposed to remove missed payment in good faith within new agreement. My wife has XXXX XXXX from XXXX  XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you

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 2019-07-01 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:
Navient student loan was supposed to remove missed payment in good faith within new agreement. My wife has chronic illness from XXXX XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: PA

Complaint narrative:
XXXX  student loan was supposed to remove missed payment in good faith within new agreement. My wife has XXXX  illness from XXXX XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In 2014 I surrendered my home to the XXXX due to a layoff ( XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ). The house was sold XX/XX/2014 to the highest bidder, it's new owner is XXXX XXXX XXXX XXXX, which is public record. Equifax is the only creditor still reporting this as my home which is false information. It's been removed from XXXX and XXXX. I'm in the process of trying to buy a new house, and this error is making it very difficult for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: NY

Complaint narrative:
Equifax is not providing my credit file and score to the companies that I have requested credit from. 

XX/XX/XXXX XXXX XXXX credit application. XXXX XXXX has been unable to approve my request because for over 2 weeks they havent been able to send my credit file and score to them. 

XX/XX/XXXX XXXX XXXX card denied a credit line increase because I have to few accounts per Equifax. I currently have over 91 approved credit cards in which 31 are active. I have a long history of accounts and excellent credit. The information they are providing to creditors are inaccurate. 

XX/XX/XXXX XXXX XXXX XXXX denied a credit line increase due to Equifax unable to provide my credit score and credit report. 

XX/XX/XXXX, XXXX XXXX wasnt able to determine my credit application because they are unable to get my credit report from Equifax. 

I have excellent credit and the responses from Creditor grantors are that they are not providing accurate information to creditors so a fair decision can be acquired. I do have excellent credit without a blemish. If I am turned down for a credit card, I would be ok with that providing they have an accurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC
State: KS

Complaint narrative:
I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Since the start of my US Bank mortgage in XXXX, it has not been serviced correctly. Each month there have been mistakes in the statements and these continue to be ongoing. I call US Bank on a weekly or monthly basis to remind them of the issues on my account and to open new " tickets. '' There has been no manager accountability or adequate follow up to correct these issues going on for years, despite me speaking to managers in customer service, the escrow department and the tax department. 

-USB incorrectly read county tax information and recorded my XXXX taxes as late, opened an escrow and paid my XXXX taxes in advance. US Bank has recognized they made a mistake in opening the escrow, have received the full refund, but is now charging me fees to close it. 

-there have been several months that the principle is applied incorrectly, causing a late status on my account for the interest portion. I have to frequently request this is updated, and my credit report adjusted. 

These two issues remain unresolved as of XX/XX/XXXX, despite me being told they were being resolved ( multiple times including in XXXX ). I have paid two different escrow amounts in full to close the escrow account, I am now being told a third and different amount needed to close the escrow. US Bank has 1. signed me up for products that I do not need or agreed to 2. charging me for products that I do not need or signed up for. 

US Bank needs to take responsibility for the issues on my account that THEY caused. I have paid my mortgage on time every month since my mortgage started.

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 2019-07-01 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: TX

Complaint narrative:
I am submitting a complaint against Transunion and XXXX for reporting inaccurate information on my credit report that is currently damaging my credit. I have attempted several times to get in contact with the credit agencies about their reporting and the account still is not removed or fixed. I have attached documentation directly from XXXX XXXX where the account was paid in full. Meaning there should be a {$0.00} on the account. That is not the case, every month they have been reporting a balance of {$1900.00}. I have highlighted the account on my credit report so you see how they are reporting the account. Under the Fair credit reporting act I am exercising my rights to get this account deleted from my credit file. They have done enough damage to my scores with their inaccurate reporting. 

Days I submitted my own disputes:XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I have attempted to get this resolved several times.

XXXX XXXX Account # 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 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to deposit a check from my previous employer and while depositing that check the ATM did not fully complete the transaction due to the check getting stuck in the slot which wasnt my fault. About 3 weeks later I received a notification that my account was on a negative. CHASE took the credit of the funds back without properly investigating the claim and the situation. Chase bank stole XXXX $ from my account and didnt care to further investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascendium Education Group
State: IN

Complaint narrative:
Originated a student loan with XXXX XXXX XX/XX/XXXX for {$28000.00}. Made monthly payments until I became unemployed. My loan was sold to United Student Aid Funds & went into forbearance XX/XX/XXXX. Was informed I needed to make rehabilitation payments to XXXX XXXX XXXX starting XX/XX/XXXX to XX/XX/XXXX for total {$700.00} in order to become rehabilitated & then my loan was sold to XXXX. My complaint is that I was never informed by United Student Aid Funds , Inc. or XXXX   XXXX XXXX that I would be charged a {$7900.00} fee to rehabilitate my loan. This amount was added to my student loan principle & interest. I have now been paying at minimum {$500.00} a month to date to repay my loan & I am just now getting close to my original loan amount of {$28000.00}. This undeclared rehabilitation fee has cost me thousands in interest alone. I could have been close to paying off my student loan originated over a decade later. United Student Aid Funds inc & XXXX XXXX XXXX should not be able to charge exorbitant undeclared fees for student loans already in trouble. Want to warn others & learn what type of legal recourse I have for this undeclared fee that has cost me close to {$20000.00}

Company response to consumer: Closed with explanation