vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING INQUIRIES ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: PA

Complaint narrative:
I noticed an inquiry on my credit report from XXXX. I do not recognize that company. I notified XXXX and Transunion about the unauthorized inquiry and was told do another dispute. I have disputed this matter before with no avail. 

This should not be furnished on my report as it is in Violation!! Under, 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These inquiry should not be furnished on my consumer report as they are in VIOLATION! Under,15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately.

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 2021-10-22 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: NV

Complaint narrative:
I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. These companies are stalling as much as they can ... .. ( copied from the AffiDavit attached ).

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 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
I lived in student housing with everything included. Once I moved I received a bill for XXXX XXXX. I called advised that everything was included in my lease and monthly payment. They advised me to rewatch out to the apartment complex and when I did they referred me back to XXXX XXXX. After speaking with debt collector again agent advised she would submit dispute and follow up. And its still reporting on my credit and Im still getting harassing calls regarding it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL CENTER LLC
State: VA

Complaint narrative:
The Company CAPCENTER MORTGAGE NMLS # XXXX is advertising on the internet ( https : //capcenter.com ) and heavily on the radio ( and possibly television ) that their mortgages have " ZERO CLOSING COSTS. '' This is untrue. All Mortgages have Closing Costs. They are using Lender Credits to pay for a consumer 's closing costs. Their own fine print explains this but not prominently. The radio ads ignore this altogether.

Those Lender Credits are offered in exchange for a higher interest rate than a consumer would otherwise pay if that consumer paid his or her own closing costs or " rolled them in '' to their new mortgage. They never mention this fact but for the fine print.

This highly deceptive type of advertising is a direct violation of 12CFR1014 among other statutes. It is a violation of UDAAP. It needs to be investigated and the company ordered to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: MI

Complaint narrative:
Received a chime debit card in the mail that I never applied for under my old name. 
On another day I also received another debit card in my new name that I never requested that card is under XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: NV

Complaint narrative:
I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. These companies are stalling as much as they can ... .. ( copied from the AffiDavit attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: AL

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XXXX, XX/XX/21, XX/XX/21 and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX  XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, last verified but the bureaus are saying they verified it, date of last activity, date reported, date opened, closed date, not showing a in dispute status, last payment, and credit limit.

XXXX  - There are several inconsistencies across all 3 bureaus- Account #, High Balance, Date of last activity, date reported, date opened, last payment and credit limit. Also, Equifax is showing a late payment after a charge off which is a violation, how am I late if they have sold off the debt?

XXXX XXXX- There are several inconsistencies across all 3 bureaus- High balance, date of last activity, date opened, dispute status, last payment, credit limit. Also, Equifax and XXXX are showing different days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XXXX, XX/XX/21, XX/XX/21 and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX  XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, last verified but the bureaus are saying they verified it, date of last activity, date reported, date opened, closed date, not showing a in dispute status, last payment, and credit limit. 

XXXX  - There are several inconsistencies across all 3 bureaus- Account #, High Balance, Date of last activity, date reported, date opened, last payment and credit limit. Also, XXXX is showing a late payment after a charge off which is a violation, how am I late if they have sold off the debt? 

XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, date of last activity, date opened, dispute status, last payment, credit limit. Also, XXXX and Experian are showing different days late.

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 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
At XXXX ET on XX/XX/2021, I became a victim of fraud. I first received a text alert from Chase that alerted me that someone had transferred {$1800.00} from my checking account. The return phone number was only two digits different that the legitimate Chase phone number. As Chase sends alerts via text, I immediately responded. From there the person identified themselves with information that only a Chase employee would know such as disclaimers for phone monitoring, name and even XXXX. The person subsequently walked me through a step by step process and explained was how to stop the XXXX transfer that was hacked. NEVER did I think I was transferring funds ; I was lead to believe that I was reversing a charge. I was also led to believe by the legitimate Chase claims department that these claims were closed with satisfaction within a weeks time. This caller used Chase scripting. 

I transferred funds to my name and my phone number - not a stranger 's contact information. 

Unfortunately, the entire alert and subsequent process was a well-designed scam using internal Chase knowledge to dupe me. I am being told by Chase that I am not eligible for the recourse/refund as I aided the felon to transfer the funds. This is simply not right. The CFPB placed new regulations ( Regulation E ) with the onus on the banks to help customer just like me who were using a bank sponsored and promoted product that is susceptible to scams. XXXX is housed on the Chase website as the primary payment processor yet it does not have Chase protection? How can that be? Chase is saying this is a loophole in the CFPB regulation that they are going to leverage and if they helped me they would have to help everyone. Additionally, they are saying that I agreed to the XXXX disclaimers that I wouldn't send funds to someone I did not know. I DID NOT SEND MONEY TO SOMEONE I DIDN'T KNOW. I SENT MONEY TO MYSELF and somehow it was directed to someone else. All Chase is doing is trying to get out of responsibility to the consumer and CFPB regulation. 

My case number with Chase is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with NAVY FCU. I have always made my payments on time yet there were 30 days and 60 days late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE UPDATE FROM MY REPORT IMMEDIATELY. 
XXXX XXXX-Balance {$15000.00} XXXX XXXX-Balance {$15000.00} XXXX XXXX-XXXXXXXXXX****-Balance {$15000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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:
There is one bankruptcy on my report that is incorrect please remove. Thanks

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 2021-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: NH

Complaint narrative:
I received a loan from one main financial in the month XXXX. I have made every payment within 30 days. During this week week of XXXX. They have called me several times a day. I spoke with a representative via telephone call on XXXX and advised the rep I would be making the payment asap and within my allotted time grace period. On XXXX I received a call at XXXX XXXX leaving me a message to call them. They then called me again that same day at XXXX to ask me the same thing. I am receiving multiple calls a day and week for a payment that is 7 days late. I feel harassed and it is affecting my job as I have to be interrupted with calls as I am working from home. The are calling my cell phone and I live in New Hampshire where messages for debts is not allowed. I also believe this is a XXXX violation as well. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. I sent in a letter to get it updated i will provide the letter and the document. I want only one of everything in each section

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 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. I sent in a letter to get it updated i will provide the letter and the document. I want only one of everything in each section

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: FL

Complaint narrative:
I was checking my credit report and I don't understand why I see that information on my account. I have no idea where did you get it. Its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX we received a loan estimate where Escrow payment at closing was estimated to be {$3000.00} by Rocket Mortgage. The banker ( XXXX XXXX ) we were working with informed us the estimated escrow had decreased because they confirmed that the property taxes had been recently paid. As a result of reviewing this estimate in its entirety and the information we received from the banker we made the decision to move forward with refinancing our existing mortgage through Rocket Mortgage. After having gone through the entire loan application process ( including running our credit ) and we are just getting ready to schedule a closing with them, we were informed by Rocket Mortgage that the Escrow payment had increased to {$5600.00} due to property taxes not having been paid for this most recent quarter ( see revised statement provided on XX/XX/XXXX ). They informed us that the latest information they received from their tax certification team was that we paid the property taxes in XX/XX/XXXX for the quarter ending in XX/XX/XXXX. I confirmed this with my current lender was correct with respect to the last payment made on property taxes. And while we expect the cost of those property taxes to be paid by our current lender any day now, which would be reflected at Rocket Mortgage as well, when we asked our assigned Solutions Consultant at Rocket Mortgage, XXXX XXXX, why was the XXXX property tax payment not reflected in the XX/XX/XXXX statement? The explanation she provided was that they collect escrow for 6 months. She also confirmed that the statement on XX/XX/XXXX only showed escrow for 3 months and she did not know why. This leaves us extremely concerned that we were deceived all along by Rocket Mortgage because if these were known constants all along ( they collect 6 months escrow and our property taxes remained as paid back in XXXX ) why were the escrow numbers from the XX/XX/XXXX statement intentionally displayed with 3 months of escrow due at Closing? When discussing our closing costs it seems clear that they had falsely decreased the value to make it more attractive than what it was to lure us into the loan application process. This was a bait and switch predatory loan process that we were only able to catch just as we were getting ready to close. We can only imagine how many other consumers have been deceived using these same predatory techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: CA

Complaint narrative:
I noticed that TransUnion is reporting one inaccurate negative item in my account from XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX  , two inaccurate negatives from XXXX XXXX, and two inaccurate negatives from XXXX XXXX XXXX All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.

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