vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX, I had a loan which is {$28000.00} opened XX/XX/XXXX and was paid in full without missing a payment. the company XXXX XXXX XXXX XXXX closed the account after it was paid in full on XX/XX/XXXX. 

The reason I'm writing to you is in fact is the way this credit reporting agency reported on my score. Dropping my score 58 points when account was PAID IN FULL. please help me and see what you can do. 
Thank You 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 2021-10-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am trying to get a short sale approved and had a forebearance approved. Forebearance expired during this time and I had an accepted offer from a buyer dated XX/XX/2021. As of today there has NOT been an approval on short sale due to an appraisal. First appraiser cancelled on the day of, FREEDOM MORTGAGE keeps saying they would escalate and have a BPO done NOW they are saying because loan is USDA it has to be an interior inspection appraisal. No one calls me back I have to have my realtor call them TWICE a week for months and they knew the forebearance was going to expire. It is almost like they let it expire on purpose to make me have to have a foreclosure. They told me I have to be living in home so I can't even try and look for a place to live. I am a senior citizen and my health is compromised. Now that forebearance is expired. The excuse is that an appraiser has not accepted assignment and the one that did could not do it because he did not have credible comparisons.

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 2021-10-27 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: AZ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO AN ACCOUNT THAT DOES NOT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED/DELETED, A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Freedom Group, LLC
State: UT

Complaint narrative:
Received a letter on XX/XX/21 claiming to be collecting a debt from XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. It is fraud. I do not owe or have accounts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I was charged a {$33.00} fee for an ACH transfer fail on XX/XX/2021. The fee is completely new that was implemented on XX/XX/2021 with no notification. I don't understand why the fee is so high when a return check is only {$12.00}. It's the first time it has happened and when asked for a courtesy refund the bank refused.

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 2021-10-27 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: PA

Complaint narrative:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the multiple FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer. I XXXX XXXX am making this complaint, last time you guys tried to say I was a third party. Please remove these accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lima One Capital, LLC
State: IL

Complaint narrative:
They gave me a loan for {$100000.00}. They kept {$46000.00} in escrow. They are taking me to court for for {$100000.00}. When it was all said and done I only received {$12000.00}. They are trying to foreclose on my house when they never gave me the the full loan. In short, they still owe me {$46000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SYNCHRONY BANK CREDIT CARD -- CHEVRON/TEXACO GAS CARD ACCOUNT XXXX ONCE AGAIN SYNCHRONY BANK HAS REPORTED INCORRECT INFORMANTION TO THE CREDIT BUREAUS ... ... .IN ADDITION TO I HAVE MADE PAYMENTS ON MY CREDIT ACCOUNT WHICH ARE NOT SHOWING UP .... 

****MAY BALANCE IS INCORRECT***** THERE SEEMS TO BE A CONSTANT DISHONEST APPROACH TO THE WAY SYNCHRONY BANK DOES BUSINESS. 

I HAVE HAD CHARGES PENDING FOR 3 WEEKS AND ALL OF SUDDEN THEY WILL APPEAR AND THEN I AM OVER THE LIMIT .... 

ITS SEEMS AS THOUGH THEY ARE FINDING WAYS TO CHARGE CUSTOMERS EXTRA MONEY AND INTEREST .....

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 2021-10-27 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:
I've submitted many complaints against the credit bureaus. THey have not been sticking to the 60 day investigation time-frame investigation put fourth by the CFPB. Each complaint they respond that they will notify me in 60 days, to this date i have received no results into the 9 complaints I have filed. I am filling again. I have attached both my 609 letter disputing the inaccuracies. as well as my demand to comply letter written by my attorney. We will be filing a lawsuit against all 3 companies, if the results of this complaint are not satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NC

Complaint narrative:
Someone has attempted to gain access to credit lines with my identify. I reached out to all three credit bureaus and advised them that there was inquiries on my report that I did not recognize and or authorize and that I wanted dispute them because they were fraudulent but I was met with push back. I further explained that I called the creditors whom weren't able to give any information other than to call the credit bureaus. I also explained that I have a fraud alert on my report, and that the creditors never called or anything and I was told the fraud alert protects me against this. I was told there is nothing that they can do to assist me and that I would need to file a police report. 
Since then I've attempted to file a police report because that's what XXXX, XXXX, AND EXQUIFAX advised me I had to do to get these fraudulent inquires off. After attempting to file a police report with my city police department I was told that a report could not be taken because the thief was not successful in actually opening a credit account with my name or other information therefore it is not identity theft and they would not proceed with a report. I'm beyond frustrated with this matter. Below are the inquires that are fraudulent. 

XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Someone has attempted to gain access to credit lines with my identify. I reached out to all three credit bureaus and advised them that there was inquiries on my report that I did not recognize and or authorize and that I wanted dispute them because they were fraudulent but I was met with push back. I further explained that I called the creditors whom weren't able to give any information other than to call the credit bureaus. I also explained that I have a fraud alert on my report, and that the creditors never called or anything and I was told the fraud alert protects me against this. I was told there is nothing that they can do to assist me and that I would need to file a police report. 
Since then I've attempted to file a police report because that's what XXXX, EXPERIAN, AND XXXX advised me I had to do to get these fraudulent inquires off. After attempting to file a police report with my city police department I was told that a report could not be taken because the thief was not successful in actually opening a credit account with my name or other information therefore it is not identity theft and they would not proceed with a report. I'm beyond frustrated with this matter. Below are the inquires that are fraudulent. 

XX/XX/XXXX- XXXX - CARD SERVICES XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/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 2021-10-27 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: NJ

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: IN

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EXECUTIVE FINANCIAL GROUP
State: CA

Complaint narrative:
we are processing escrow for our client and client has XXXXXXXX XXXX XXXXXXXX as his lender. the Loan originator ( executive financial group ) insisted on charging {$350.00} for notary fee when our estimate and CD disclosed notary fee to be {$250.00}. per their lender instruction, us as settlement agent have all the right to handle loan documents. we accommodated them when they insisted on using notary that loan originator assigned to get notary fee. When we sent our master settlement statement, the loan originator emailed telling the funder to not fund until the notary fee is in the estimate as {$350.00}. we had to change the fee as we did not want to slow down funding process over this ridiculous violation of on their part. We have email thread with them as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: MD

Complaint narrative:
I tried reaching out to US Dept of Ed after my mortgage loan advisor told me that my account is showing past due. It appears that Equifax is mistakenly reporting the account as past due when really all of my accounts are current. US Dept of ed is stating that they dont see the error on their side so i need assistance having this updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Infiniti Financial Services took {$410.00} ( recurring payment ) out of of my account after my car had been paid off. This was on XX/XX/2021. They then said it would be returned 21 days later. It still hasn't been returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
*THIS IS NOT A DUPLICATE* Please refer to my previous complaints ; XXXX XXXX XXXX XXXX Bank of America continues to be negligent in researching and correcting the issue with the VISA card I have through them. 

The approximate total amount in question is {$6100.00} in fraudulent charges made by an online gaming company. 

Every time Bank of America has been contacted, numerous times directly through me, and now 4 times through CFPB, they have supplied contact information for their department that handles these disputes though the number and extension number never lead to direct contact to the person dedicated to my issue and they never call back after leaving my contact number. 

I no longer have faith that any contact with Bank of America will lead to a correct conclusion to my complaint. Therefore, I want to know to whom should I direct my inquiry to institute a formal 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 2021-10-27 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: Nelnet, Inc.
State: MD

Complaint narrative:
I tried reaching out to US Dept of Ed after my mortgage loan advisor told me that my account is showing past due. It appears that XXXX is mistakenly reporting the account as past due when really all of my accounts are current. US Dept of ed is stating that they dont see the error on their side so i need assistance having this updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular SYNCB/OLD NAVY account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Someone Impersonated my Identity and took {$9500.00} cashiers check at Chase branch. I filed a claim in chase claim department, and chase are denying it. I do have a police report and I sent the actual police report to the claim department. at this point. Im really frustrated about the way chase is not handling a situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: OK

Complaint narrative:
My XXXX Bankruptcy was dismissed in XXXX, XXXX. And, it was deleted from my credit file but my credit score wasn't updated to reflect the bankruptcy being deleted. 

I can't dispute it since it isn't on my credit bureau report. I contacted Equifax on XX/XX/XXXX and spoke with XXXX, who informed me that the only thing that she could do was to provide me with an updated credit report. This doesn't reflect the update of my credit score when the Bankruptcy was deleted in XXXX. I explained this several times and ways and couldn't get it through to XXXX. I asked for a supervisor but none were available and would tell me the same information, per XXXX. 

I am reaching out for assistance with this matter.

Company response to consumer: Closed with explanation