vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has put on my credit report late payments the President had issued a executive order regarding federal loans a pause in payments and interest till XX/XX/21. I have been making payments due to them putting late payments on my credit report and from them calling me telling me that I dont have a federal loan. I called and spoke to someone they said I have a commercial Loan He was unable to explain what that is? I went the federal website it says I have federal loans. I need clarity we are in a national pandemic. I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
the account that show on my credit report are improper use by the 609 laws fair credit report act. should be delete after 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TX

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

Inquiry details XXXX XXXX  Inquiry from XX/XX/2021 Bank XXXX XXXX Inquiry from XX/XX/2021 Finance XXXX XXXX Inquiry from XX/XX/2021 Bank XXXX  XXXX Inquiry from XX/XX/2021 Automotive XXXX  Inquiry from XX/XX/2021 Finance XXXX XXXX Inquiry from XX/XX/2021 Automotive XXXX  Inquiry from XX/XX/2021 Finance XXXX  Inquiry from XX/XX/2021 Finance XXXX/XXXX  Inquiry from XX/XX/2021 Finance In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, 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 2021-01-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE, Opened XX/XX/2010. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ( ( ( ) ) ) has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
My mortgage company ( TCF Bank ) was suppose to pay my property taxes before the end of 2020. As of today, there is no record of these taxes being paid. I have contacted them numerous times in the past few weeks but nobody can explain why my city clerk has not received payment. TCF Bank states that they dispersed the money from my account to pay the taxes on XX/XX/2020. The amount they paid was the correct amount for my taxes. That's all they can tell me. They can't tell me who they sent the money ( city clerk, a holding company ) or how they paid it ( electronic or check ). They won't even tell me if the payment cleared their bank and when. It is very frustrating for me because this has never happened to me before. I should note that TCF Bank took over my mortgage a few months ago from Chemical Bank and now I have to put up with this XXXX. My money is gone and no one at this company really seems to care because I keep getting the run around. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Self Financial Inc.
State: NY

Complaint narrative:
I made all my payments on time with XXXX XXXX XXXX also known as Self. They have reporting that i was passed due 30 days twice. I contacted them and they stated theyll change the payments to on time and it never occurred. They said they contacted the XXXX  and it never changed. This is a defamation of my character and violation of the law. Please enforce the law this has been going on for 3 months since XX/XX/XXXX to XX/XX/XXXX ; because of this I was un able to get approve for several of my credit card applications. I seek the correction of the account on my credit report and monetary relief for their actions through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - Applied for credit card at XXXX XXXX XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response, asked to send verificaton documents. ( SSN, Drivers License, bank statement ) XX/XX/XXXX - Sent documents ; Comenity rep did not specify " back of card '' XX/XX/XXXX - Called Cominity line to inquire XX/XX/XXXX - Called Comenity, denied card due to documents not meeting requirements

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX Texas XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove ( 16 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

Inquiry details XXXX XXXX Dealer S Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX - Auto Finance Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX In Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2020 I sent a residential affidavit due to the inaccurate variations of multiple addresses that do not belong to me.

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 2021-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/20 {$33000.00} was wired from my bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX to Chase Bank XXXX XXXX XXXX XXXX NY Account No. XXXX Routing No XXXX. This was for the purchase of a RV purchased thru XXXX XXXX This sale turned out to be a scam so we contacted our local police and the FBI and currently there is an investigation in progress. The investigators are trying to obtain information from the banks in regards to this transaction so that the scammers can be caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: GA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate information on my credit report. To this day, over 60 days later, and I have not received a response. I feel as though I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX that has been caused. My information was also impacted in the XXXX Data Breach and may have gotten into the hands of the wrong person.

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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate information on my credit report. To this day, over 60 days later, and I have not received a response. I feel as though I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX that has been caused. My information was also impacted in the Equifax Data Breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NFM, INC
State: OH

Complaint narrative:
Hello. Approximately 6 months ago I refinanced with NFM Lending. They are currently servicing my loan. At the time of the refinance, my property taxes were approximately {$15000.00} a year. Almost immediately after the refinance my property taxes were reduced to approximately {$11000.00} a year. I have made multiple efforts by phone and email to NFM to have an escrow analysis done to ( 1 ) adjust my escrow payments accordingly as I am paying around {$400.00} a month too much into escrow and ( 2 ) refund my escrow overage. Nothing has happened.

The tax adjustment was retroactive, so there is also a credit with my county which I have been asking NFM to apply to my next tax payment, as the county will not issue me a refund, only a credit or a refund to my previous mortgage lender. I provided NFM an email from the county treasurer 's office to me in that regard. NFM has been equally unresponsive in assisting with that. That credit is approximately {$7000.00}.

In communications NFM referenced its " escrow department. '' I have asked for a contact at the escrow department or some way to get movement on what seems like a pretty simple issue. I was told there was no contact info they could provide me with for the escrow department.

Any help would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Self Financial Inc.
State: NY

Complaint narrative:
I made all my payments on time with XXXX XXXX bank also known as Self. They have reporting that i was passed due 30 days twice. I contacted them and they stated theyll change the payments to on time and it never occurred. They said they contacted the XXXX  and it never changed. This is a defamation of my character and violation of the law. Please enforce the law this has been going on for 3 months since XXXX to XXXX ; because of this I was un able to get approve for several of my credit card applications. I seek the correction of the account on my credit report and monetary relief for their actions through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: NY

Complaint narrative:
I made all my payments on time with XXXX XXXX bank also known as XXXX. They have reporting that i was passed due 30 days twice. I contacted them and they stated theyll change the payments to on time and it never occurred. They said they contacted the Experian and it never changed. This is a defamation of my character and violation of the law. Please enforce the law this has been going on for 3 months since XXXX to XXXX ; because of this I was un able to get approve for several of my credit card applications. I seek the correction of the account on my credit report and monetary relief for their actions through CFPB.

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 2021-01-21 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: WI

Complaint narrative:
I have been trying to apply for a new auto loan. My bank checked my credit with Equifax, but the bank said they were unable to obtain a report from them. I had previously frozen my credit after the Equifax data breach, but had subsequently unfrozen it. When I tried to contact Equifax, I had to go through a series of questions to verify my identity, but some of the questions I was being asked were for accounts I didn't have ( but my son used to have, like student loans, etc. ). Now I've been locked out. I wrote Equifax, according to their instructions. It has been a month with no call or mail reply. The lease on my current vehicle expires soon, and I seem to be stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: NY

Complaint narrative:
I reviewed my credit reports and saw that the payment history was different on all 3 reports for my credit card which is a violation to the FCRA. I Immediately informed the bureaus but they did nothing to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi, I was charged {$2500.00} from XXXX XXXX within two days, I did not made the purchases. The bank suntrust called me to let me know they suspected fraudulent charges so they open a case but then they closed it because they said I did business with them before. So it was not fraudulent, I ask them to show proof of purchase but they did nothing. 

So as of this moment not only they don't want to refund my money. 

They are charging me overdraft fees. 

I contacted XXXX XXXX  but everything is by email and so far they keep reviewing the case but no action has been taken.

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 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
the bank closed the account and forwarded me to their credit resolution department, which in turn asked me to submit documentation, and ftc report is one of them.

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 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
I have reached out to ad astra customer service, and company president by email asking to validate this debt. They have not responded but yet validated the account with the credit bureau. How that's possible I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
The mortgage servicing company, NewRez Mortgage Servicing, has raised their fees at an alarming rate which must be countered and made illegal. Any fee change should not apply to existing customers as it can be impossible for some to switch mortgage servicing companies. Here is a link to the off with the changes they've made also attached to this posting. 
https : //www.newrez.com/media/XXXX/newrez-fee-schedule-notice-XXXX.pdf I am submitting this complaint on the behalf of all constitutes and customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: GA

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020.

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 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have written multiple dispute letters to XXXX, whoever they are, and they have sent me nothing in the mail at all! I thought I was entitled to the information that was being reported to the credit bureaus about me! I understand the holidays XXXX have caused some kind of mail errors, but not enough to stop them from sending anything to me at all! Since they've violated my rights, I'm complaining about them to you because I believe you retain proper jurisdiction over the matter. They have violated the FCRA by not sending me anything at all. DELETE THE ACCOUNT Immediately! HELP ME!

Company response to consumer: Closed with explanation