vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
On XX/XX/XXXX, I applied for and was approved for financing through XXXXXXXX XXXX for XXXX XXXX. The terms, which have been verified with both the sleep number store and Sleep number customer service state that I should not be billed until 30 days after I recieve my bed. That date was XX/XX/XXXX. On XX/XX/XXXX, a bill was issued -- no dispute because that is correct, I recieved an alert from the credit bureau that my credit was over the limit. They have yet after 2 phone calls not explained why the amount charged is over the limit and why I have not been given the option to make a payment before alerting my credit of the over the limit amount that they can't explain, I have yet to recieve the bill issued on XX/XX/XXXX. The terms of the financing were 4 years interest free and then 5.99 % for the following 24 months. XXXX XXXX  also has 2 XXXX XXXX accounts reported on my credit report and there should only be 1. It states my credit utilization is 64 % which is also not correct as this is the only account with a balance and I have an XXXX credit limit between this and the only other revolving credit account I have which is also with XXXX XXXX. My credit score dropped XXXX points today due to these issues of inaccurate reporting, I have asked them to correct the mistakes to no avail. XXXX XXXX  disconnected the call the first time I contacted them at XXXX XXXX XX/XX/XXXX and the second time argued about what the promotional financing was and when I asked for a supervisor I was placed on hold for almost an hour. No one came back on the line to assist me or check in to let me know what was going on. Second call took place at XXXX XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Someone fraudulently applied for an apartment under my name and didnt get the apartment. I contacted the apartment company and they cleared out the bill and sent me a email with a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TN

Complaint narrative:
I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

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 2022-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
We purchased furniture through Raymour and Flannigan and received a 0 % interest promotion. When we signed the paperwork we were never read a truth in lending disclaimer telling us we would be charged the entire amount of interest if it was not paid in time. We signed where they told us to sign. I called TD to inquire about this and was told that we get statements and emails that outline the promotion with a specific end date. After talking with TD we were told that our paper statements were cancelled and looking at the emails they never mention an end date and a charge of built up interest. The lady at TD also said that it is noted on our account page but the problem is we don't use the website to make payments. We make phone payments that never outline the end date. Neither do the emails we receive monthly. 

By hiding this information from us we had no way to know the promotion came to and end and that we would be hit with {$900.00} or interest. We want to pay off the account in full without the added fees. By not disclosing the proper guidelines when opening the loan, cancelling our paper statements and not including this information on emails sent this is predatory. There was absolutely no way for us to know until it was to late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a " Collection '' on my account with no company name specifying where the debt came from. It is just described as " collection ''. It has multiple wrong dates and it even says that the " customer disputes account information '' but there is a lot of information missing. I can not verify the debt.

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 2022-03-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've disputed several credit cards that were discharged in XXXX, and the debt was completely discharged, and every year the company resales the debt and places it back on my credit report with an updated date. I recently requested for it to be taken off my credit report and now it shows opened in XXXX which is absolutely not true. The company continues to allow these companies to put themselves back on my name and what happens it extends the length of how long debt will be on my name. 

Credit Cards : All Companies were discharged and no new accts were opened since that time, the companies were contacted from the BK XXXX Discharge court and the credit bureau report is saying the court documents are old their old because the discharged debt continues to be resold and dates updated each time i dispute with the incorrect date the acct was closed. 

XXXX XXXX Account was originally opened in XXXX and should show as closed and not in collections. 
XXXX XXXX XXXX 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 2022-03-10 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: TN

Complaint narrative:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was scammed by an impersonator pretending to be XXXX XXXX XXXX The criminals left 2 voicemails proposing a special promotion. When I returned the call, it went to XXXX which was really the criminals. The 1/2 price promotion was said to be a partnership between the above businesses and XXXX. I was to purchase {$480.00} in XXXX gift cards. I did and then the scam continued to say that XXXX was also part of this and it was another {$1600.00} using XXXX gift cards. I did this on XXXX, 2022, at XXXX XXXX XXXX  in the pm. Within 15 min. afterwards, I learned from my sister, living in XXXX, AZ, that this was a scam. I immediately called my credit card with CHASE bank, letting them know of the scam. The response was that the {$480.00} had gone through, but the {$1600.00} would not since I called them. On XXXX, I called Chase and was told again that the {$1600.00} would not go through and to report the scam to the police and to call XXXX with the gift card numbers for the {$480.00} only. I reported to the XXXXn Police Dept. & XXXX. ( I have verification and report numbers. ) But my further concern with Chase is that on XXXX, was that they allowed the {$1600.00} to go through and said their employee had given me the wrong information. Chase did nothing to keep the criminals from profiting. I filed a dispute, but nothing came of it. Again, I have all the details to prove all of this. The dispute got escalated, and I shared my disappointment with the Chase employee, but the situation was taken lightly and said the pending charges for the {$1600.00} was just automatically approved. This is very disturbing to me and cost me the additional {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
On Monday XX/XX/XXXX, I received a letter in the mail from American Education Services regarding a delinquent private student loan debt. I created an account online to view further information on Wednesday XX/XX/XXXX to view more account information, as I have never received any information about this loan prior to XX/XX/XXXX. I called American Education Services and spoke to a representative named XXXX. XXXX kept referring to the lender, and I had to ask him who the lender was, as I was never informed. Apparently the lender is XXXX XXXX, formerly XXXX XXXX XXXX, who had issued me a private student loan of {$36000.00} in XXXX, and had never billed me or sent information regarding repayment of my student loan. After telling me that I have absolutely no options to rehabilitate the loan except to pay {$41000.00} in late payments and that the loan is currently in process of defaulting, I asked XXXX why AES or XXXX has never sent me any billing statements or notices regarding my debt prior to this letter received on XX/XX/XXXX. He looked into my account information and verbally agreed that neither AES nor XXXX XXXX has ever sent me or the endorser any kind of billing statements. XXXX offered to submit a lender review, but told me theres no guarantee XXXX will do anything about it. I attempted to find legitimate contact information for XXXX XXXX XXXX XXXX, and the website XXXX XXXX XXXXXXXX doesnt exist, and when I attempted to call their telephone number listed as ( XXXX ) XXXX, it only gives a busy signal. I am absolutely sickened and enraged by this, and am completely convinced this was a purposeful scam of behalf of both XXXX XXXX and/or American Education Services XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am wrriting to you to complain about the companies listed in my attached letter that have been wrongly accusing me of late payments. I already sent them letters and other needed documents before but they have not acted upon my complaints and so i am writing to you guys to help me with this.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a " Collection '' on my account with no company name specifying where the debt came from. It is just described as " collection ''. It has multiple wrong dates and it even says that the " customer disputes account information '' but there is a lot of information missing. I can not verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: LEXISNEXIS
State: IA

Complaint narrative:
I was in an accident on XX/XX/XXXX when a car ran a stop sign and ran directly in to my car. I have an accident report stating that the driver of the other vehicle received a citation and was at fault. I recently bought a new car and when I was getting insurance on it the report came back from Lexis Nexis Risk Solutions stating that I was responsible for the accident therefore increasing my insurance rate by {$200.00}. My insurance agent tried to dispute the claim and was unable to do so. I have been trying to dispute the claim myself this week. I've called the number that they provided ( XXXX ) three times on XX/XX/XXXX at XXXX, XXXX, and XXXX XXXX and was unable to reach a representative and continued to get to the part that requested the state. I stated " Iowa '' each time and it was not recognized every single time. Then the call hung up. I got online and found an additional number to call ( XXXX ). Again, they requested state and I was unable to go any further. On XX/XX/XXXX went online to the website that they provided for disputing claims ( https : //consumer.risk.lexisnexis.com/request ). I entered all of the required information, including my social security number. The website stated " An internal error has occurred and we are not able to process your request. Please try again later. '' I found another number to try for a 24 hour assistance line ( XXXX ). I pressed three for the prompt to talk to a representative. The recording stated that I will have to call back during business hours. I will try to call back tomorrow, again. Very frustrating situation with Lexis Nexis Risk Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I have written the company about the false information to a debt that I did not validate. It has been several months since this letter was sent to the company. I have not received a response. I would like this 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 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I mailed a QWR and a debt validation letter to Shellpoint and they will not respond. 

XX/XX/XXXX They acknowledged receiving a loan modification package from me. 
On or about XX/XX/XXXX I received a phone call from an agent of Shellpoint. he also acknowledge receiving the package and told me I was approved for 2 different modification 1 WITH A BALLOON PAYMENT and 1 without a balloon payment but it was {$9700.00} plus. i ask him to send both and he said he could only send one with the balloon requested He told me they he was send me a loan modification out but instead i received foreclosure letter from there lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
( all times Eastern Standard Time XXXX XXXX ) XX/XX/2022, XXXX XXXX I received a notice from XXXX about activity on my credit report. I looked up my credit report on XXXX and found a collection account that is not mine on the report : - Credtor : SEQUIUM ASSET SOLUTION - Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX - Phone : ( XXXX ) XXXX - Original creditor : XXXX XXXX - Account number XXXX - Balance : {$1100.00} XX/XX/2022, XXXX XXXX I called the creditor at the phone number listed on the credit report. A voice response system answered, offering either a dial-by-name directory or an operator. I chose the option for an operator. I left a voice mail message with my name, location, phone number, and the nature of my call. 

XX/XX/2022, XXXX XXXX I called the creditor at the same phone number. A voice response system answered, offering either a dial-by-name directory or an operator. I chose the option for an operator. The " My Tell Voice Mail System '' said the mailbox was full and did not allow me to leave a message. 

XX/XX/2022, XXXX XXXX I sent a message to the creditor via a form on their website at this URL with my name, phone number, email address, and the nature of my request : http : //www.sequium.com/ContactUs/ContactUs.

I received a confirmation via email that the message I sent to this creditor via the web form was received. I have received no communication from any human about my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you to complain about the companies listed in my attached letter that have been wrongly accusing me of late payments. I already sent them letters and other needed documents before but they have not acted upon my complaints and so i am writing to you guys to help me with this.

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 2022-03-10 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: MI

Complaint narrative:
I consolidated my loans in 2015 with Fed Loan Servicing from Direct Loans to start the Public Service Loan Forgiveness Process. With the new temporary waiver I asked for consideration..they said they reviewed my account and they did not.

None of the payments I made to Direct Loans are being counted toward my payments as they should be now.

Also now according to the waiver payments made durinf teacher forgiveness should count. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: FL

Complaint narrative:
I contacted the following credit bureaus about fraudulent accounts that were placed on my credit report. The Bureaus are TRANSUNION, AND XXXX CREDIT BUREAUS, I sent them copies of a XXXX XXXX Police Report that I filed Reporting this fraud, along with a Federal Trade Commission Report the accounts were then taken off my credit report. Several weeks later the same accounts were reinserted back to my credit report. 
Since then I have been disputing these fraudulent accounts. The credit bureaus told me that the accounts were verified and certified by the creditor, witch is XXXX XXXX XXXX XXXX. I then disputed these account with the creditor, On XX/XX/2022 the creditor responded by sending me an email that stated they needed more information .... I furnished them the exact information that is currently reporting on my credit report that they furnished to the credit bureaus ... Now they are saying they need more information. I would like to know how they need more information, when the credit bureaus contacted me and stated the the creditor verified and certified this information. Some one is violating my right from the looks of the letter from the creditor they dont even have this information that the bureaus are reporting. I requested a copy of the documents use to certify and verify these accounts from the bureaus and the creditors, and both have failed to furnish me with a copy of these documents.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Well Fargo agreed to report the deferment to credit beauers due to late payment because of me being a victim of disaster and due to covid -19 losing employment. However, I was able to pay all past due amount to the current but it shows the late payments that they agree to report as paid.

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 2022-03-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2022 I wrote All three credit reporting bureaus ( EXPERIAN, XXXX, XXXX ) asking to provide verification of accounts with incorrect amounts, open dates and closed dates. The letters along with a copy of of my credit report were sent certified mail. I havent received a response from either bureaus about an investigation being opened nor closed. Attached is a copy of the letters that were sent.

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