vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On or about XX/XX/2019, my XXXX XXXX credit card was offering an interest free balance transfer for 18 or 24 months. I took advantage of this offer and requested a balance transfer from my XXXX Credit Card balance of {$4200.00} to my XXXX XXXX Credit Card. XXXX forwarded to XXXX a check thru a third party in the amount of {$4200.00}. I have a copy of the cancelled check, email verification from XXXX to XXXX they received this check. XXXX indicated when they scanned the check to get the funds transfer from XXXX their scanner only picked up the XXXX not the total amount of {$4200.00}. So how do you deposit a check and only get partial deposit? XXXX has yet to answer this question. 
XXXX charged me the full amount of {$4200.00} which I paid off. 
XXXX still charged me {$4000.00} and expected me to pay this amount to them. 

I can not find the {$4000.00}, XXXX said it was sent to XXXX and XXXX said they didnt get it and I need to pay it. I hired an attorney who was only able to go as far as I did. 

These are huge financial institutions and I can not go there and go thru their records. Someone at XXXX has the money and they expect me to pay {$8000.00} for a {$4000.00} balance. I have filed complaints with XXXX and Equifax and the XXXX 

My credit report is showing a charge off like I didnt pay this bill which I did!!! Please help. I have been fighting with these banks for 3 years! I need help! I have copies of all these documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX  - XXXX, XXXX  - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX  - XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect DOB - XXXX Incorrect Name - 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Premier Lending, Inc.
State: AZ

Complaint narrative:
Company Premier lending is reporting on my credit Foreclosure payoff which is affecting my ability to move forward with credit repair. I was in Covid forbearance and when time to move forward bank didnt have options other than paying off the loan in full. I was approved by HAF state program to reinstate the loan Premier lending declined the option of bringing account current. Not showing any 30,60,90 day late on credit but they listed as foreclosure payoff.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am a new Chase Sapphire XXXX XXXX. During a customer service call before I received my card, the rep said I had an existing account. I did not believe this was accurate. They told me not to worry since it was already closed. I didn't like this response. Once I was able to access the account online, the closed XXXX card appears in my account. I still don't recognize it. I disputed the account with all credit reporting agencies. 
Today, I went to use the Sapphire card to purchase travel through the Chase XXXX portal. I happen to look at my profile and it shows my maiden name, which is associated with the XXXX account. I called Chase XXXX. He confirmed that had I booked the flight, it would have been in my maiden name. This would have been an awful travel experience. Chase XXXX transferred me to Chase XXXX XXXX. At first, the rep told me that I had to send name change documents. After I protested, they transferred me to a supervisor. The supervisor was told my name was wrong on my replacement card. I told her my card was correct but it was wrong on the travel portal. First she said it would take 14 days, then she needed some time to resolve it over the phone. She came back to say she ordered a replacement. I don't know why. I don't want a replacement. Then she wanted me to go through some other verification. She said to correct the travel portal but I don't know why I would need to verify my identity since I am an existing customer and the internal systems are out of sync. I refused. I am very frustrated and don't want to do any more work to be a customer. This is a horrible customer experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Best Buy/CBNA Balance : Opened : First delinquent : Reporting late payments that are unverifiable, and incomplete. 
Account is written off and reporting as a charge off for 4 years. I still haven't received any 1099c. This company is reporting gross income and IRS states gross income must be reported as gross income if the account is written off, discharge, forgiveness and charge off. The account is reporting inaccurately and it is harming my character and future for my kids. The account is updating every month as if the account is being reported as negative every month and the account is closed since XXXX. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. This is false information that is illegal. I want the original documentation that show in detail that I was late, missed a payment, credit limit was XXXX and Best buy is reporting the balance of {$1100.00} that is inaccurate. I am going through traumatic harm by the inaccuracy that's reporting on my report. I want to know how the account was investigated. I want to know how everything was reported, I want documents of the notice for payments, I want documents that XXXX sent me a notice to make a payment. This account need to be updated and removed immediately. one of the other. The account supposed to reporting in the status as Gross income not written off. This account is VIOLATING FCRA laws.

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 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
The car ( XXXX XXXX XXXX XXXX has been paid off for over a year. I never recieved the title ( lien release ) so I called and they re-sent, never recieved it again so I had them send to my Mom 's address in NY. Still never recieved it so I had them send it to my dads, still never received it so I gave them my new address, and still have not recieved it. 

I just got XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and need to register my car in California, but I have no lien release to do it with. The title department and westlake portfolio managment is unreachable. I've called probably XXXX times and I am never able to get anyone who cares enough to get me my lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
We filled out a Request for Mortgage Assistance with Select Portfolio Servicing ( SPS ) back in XXXX of 2023. We received numerous requests for clarification and additional information, all of which we complied with. Then there 'underwriting ' circled back and started rejecting our XXXX because they wanted more information - the same information requests that we had already complied with and uploaded as requested. They dragged this process out for months, repeatedly asking for information that they already had and our calls and conversations with their customer service team never resolved the situation. Then they said our XXXX information was out of date and required that we resubmit a new XXXX with updated information- which we did again. They they started all over rejecting our XXXX for the same reasons they used last time and we again uploaded clarification and documents that complied with their requests and should have resolved the issue. Every time they circled back and started rejecting and requesting the same clarification and documents that were already on their system. Dozens of calls with their customer service team never resolved anything. We even requested a complete transcript of all our calls and documentation uploads and they refused, telling us our attorney would have to send a letter to their attorney to receive this information. After reviewing complaints about SPS on the better business bureau site and filing my own complaint, and now reviewing the complaints about SPS here on this site and filing this complaint, it is clear that they have a policy to do everything possible to reject any XXXX requests. They never intend to grant anybody mortgage assistance, which should be fraud, potentially class action fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a 30 year fixed mortgage with no escrows by the bank. I am current with my insurance and taxes on the home. The mortgage was under First Republic bank and taken over late 2023 by Chase bank. Chase bank is now administering the online for the mortgage and payments. Chase is fraudulently add escrow money that I owe and adding escrow fees to the mortgage bill. They have been doing this for over 2 months despite numerous calls and most important proof of my insurance payment and coverage. Chase and First Republic keep passing the blame to each other while Chase continues to charge me fraudulently for escrow. I have confirmation from my insurance agent that they contacted both banks and confirmed insurance paid but Chase fraudulently states they do not have confirmation and keeps fraudulently charging me escrow fees. I view this is as a scam by Chase to defraud customers innocently being converted from First Republic with fraudulent bank escrow fees. Chase need to be investigated and reprimanded accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
On XX/XX/XXXX I errantly made a payment from my Checking Account to my wifes Bank of America Credit Card account instead of my XXXXXXXX XXXX XXXX. After discovering my error, I called on XX/XX/XXXX to get the error corrected and refunded. The agent assured me the process would take 10 days or possibly a few more. An adjustment was made to my wife 's crdit card on XX/XX/XXXX but the refund to my checking account was'nt initiated. We called back to check the status and a Supervisor named XXXX told us that it would take at least another 30 days to process the refund back to to my checking account. It isn't right in light of the fact that Bank of America has all the information needed to issue the refund now, since they have made the adjustment on my wife 's Credit Card on XX/XX/XXXX. Where is the money? It isn't credited to my wife 's Credit Card, It isn't in my checking acount, and apparently I won't see it until XX/XX/XXXX. As straigh forward as the error and corrective action is, Bank of America is holding my money for at least 30 days and possibly 60 days. This can't be right.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are two accounts on my credit report thats reporting two debts in collections, that are two different amounts reporting for XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX both claim that I owe a debt to them from XXXX, how can this be? Ive tried to dispute this information with Equifax and they are claiming these accounts as accurate which I know is not correct because XXXX was able to delete the credit management profile from my credit report. According to the FCRA, theyre both reporting against the FCRA standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 non-monetary relief