vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I applied for a refinance with my existing lender Mr. Cooper. From XXXX to XXXX, Mr. Cooper became unresponsive and would not respond to my inquiries via email or telephone. I did not go forward with them, as I realized that they are a horrible company. However, I paid for an appraisal that came in low. I applied for a refinance with my original local lender and we were set to close XX/XX/21, but Mr. Cooper has refused to send the .xml version of the appraisal or the receipt that I paid for the appraisal to my new lender. The FHA requires the use of any appraisal taken within the last 6 months. I can not get this resolved and I can not close on my refinance without these documents. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: SC

Complaint narrative:
On, XX/XX/2021 I started disputing A ambulance bill that was reported on my credit file. I have never road in a ambulance. They have hospital bill on my credit that should not be there. I want to see the original documents of these incorrect accounts on my credit file. I have asked for these documents since XXXX. I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On, XX/XX/2021 I started disputing A ambulance bill that was reported on my credit file. I have never road in a ambulance. They have hospital bill on my credit that should not be there. I want to see the original documents of these incorrect accounts on my credit file. I have asked for these documents since XXXX. I have not received.

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 2021-09-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On, XX/XX/2021 I started disputing A ambulance bill that was reported on my credit file. I have never road in a ambulance. They have hospital bill on my credit that should not be there. I want to see the original documents of these incorrect accounts on my credit file. I have asked for these documents since XXXX. I have not received.

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 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
All three credit bureaus are erroneously giving mortgage loan comings inaccurate fico credit scores on me. 

I'm thinking this is retaliation for turning them in before and also discrimination.

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 2021-09-23 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: CO

Complaint narrative:
All three credit bureaus are erroneously giving mortgage loan comings inaccurate fico credit scores on me. 

I'm thinking this is retaliation for turning them in before and also discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CO

Complaint narrative:
All three credit bureaus are erroneously giving mortgage loan comings inaccurate fico credit scores on me. 

I'm thinking this is retaliation for turning them in before and also discrimination.

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 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
CHASE. CC XXXX 1. Violation- Card Act SEC . 106. RULES REGARDING PERIODIC STATEMENTS. 

ISSUE : Billing Statement with a billing cycle schedule closure date of XXXX XXXX actually closed on XX/XX/XXXX and incorrectly reflects a closure date of XX/XX/XXXX ( DECEPTIVE TRADE PRACTICE ), This specifically resulted in consumer incurring an additional finance charge, increased card balance and negative impact on credit score because scheduled payment on XX/XX/XXXX of {$150.00} was not applied to consumer credit card account. 

2. Violation of CARD Act SEC. 104. 164. Prompt and fair crediting of payments. 

ISSUE : Chase failed to apply payment of {$150.00} on XXXX XXXX and did not provide warning/prevent at time of scheduling payment that payment could/ would not post on XXXX XXXX but until Monday XXXX XXXX XXXX. This resulted in consumer incurring an additional finance charge, increased card balance and negative impact on credit score because scheduled payment on XX/XX/XXXX of {$150.00} was not applied to consumer credit card account. 

First Chase contact date : On XX/XX/XXXX. I contacted Chase and Chase supervisor indicated that my pending payment XX/XX/XXXX for {$150.00} could be applied against my current statement balance. The balance could be reduced by the pending amount. 

Second Chase Contact Date : On or about XX/XX/XXXX, contacted Chase Chase supervisor indicated that my payment XX/XX/XXXX for {$150.00} applied on XXXX XXXX was correctly applied and billing statement that closed on XX/XX/XXXX and reflects closure date XX/XX/XXXX was valid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
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 3 Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
LVNV FUNDING LLC XXXX Balance {$580.00} LVNV FUNDING LLC XXXX Balance {$600.00} LVNV FUNDING LLC XXXX Balance {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: MI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter to TransUnion regarding a public record appearing on my consumer credit report. TransUnion has violated the FCRA and is willfully noncompliant. XXXX supplies information on consumers to TransUnion without abiding by the laws as a data furnisher. XXXX has been the subject of legal action as a result of this illegal reporting.

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 2021-09-23 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2021-09-23 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 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by 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 2021-09-23 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: KS

Complaint narrative:
COMPLAINT ON ALL CREDIT BUREAU 'S REQUESTING why my credit score dropped 47 to 51 pts in a few days after paying off one debt ( XXXX XXXX XXXX, XXXX, KS ). 
I ALSO want to know why our accounts are still on my credit report that were listed on my bankruptcy back in XX/XX/2021 Ch XXXX. I understand our bankruptcy is noted that we filed and stays on our credit report for 10 years. But, the debts listed on the bankruptcy should be WIPED CLEAN from our credit report since the bankruptcy is listed. 
SINCE our bankruptcy and building our credit, ALL debts have been paid on time, paid off, and no collections which makes our CREDIT SCORE higher and should be in the 700 's, I would think. 
I ALSO have a question about CREDIT BUREAU 'S being able to up credit scores by joining CREDIT BUREAU 'S web sight program and get a higher score. There is something wrong with that type of program, having to pay each month to be in their program and to get a higher score.

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 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: LA

Complaint narrative:
After going over my credit report and documents sent in by collection agency the balance thats being stated owed was XXXX and now is XXXX in which the supposedly original balance was XXXX I would like to see the original contract which prohibits you to collect interest on this debt, also the open date is stating XX/XX/2020 in which I highly doubt that was the date first delinquent and would also like to request documentation representing that because according to FCRA rules and Regulations it is illegal to report information to my report that is inaccurate, I demand appropriate documentation to prove this in fact is my account and the information that you are reporting to my report is accurate you sent in a print out of charges that are not validating what you have reported on my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: IL

Complaint narrative:
I HAVE LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACCOUNT THAT SAYS CHARGE OFF THAT IS IN ACCURATE, SEE LETTER OF EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I closed my Chase Sapphire Preferred card out on XX/XX/XXXX. When closing the card I was not informed that their policy states that points on the account must be used within 30 days. I went to book travel with my wife last week and discovered that my points balance was at XXXX. I had a total of XXXX points accumulated. This is completely unacceptable and in my opinion, is theft. 

I called to resolve this matter on XX/XX/XXXX and they told me that they were escalating the issue their marketing department. Followed back up today, XX/XX/XXXX. and they informed me that my points were gone forever and they had no responsibility to tell me that they expired in 30 days. I even offered to have them transfer my points to my wife 's account that is still open. Again, they deflected and said that wasn't an option. How easy would a points transfer be? I have been a customer of Chase for 10 years and this is how they treat their loyal customers. Please assist me with getting my points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Central States Recovery called me this morning regarding outstanding medical bills. I asked for the date of services and whether they had been submitted to insurance. She replied she didn't know if they were submitted to insurance and that I would need to contact the client. She said she had mailed the debts to me but I had never received them. I advised her that I was in an active Chapter XXXX bankruptcy and she would need to contact my attorney. She told me know it was not their job to contact my attorney and they did not need to contact them. I got pretty upset because I knew she was violating my rights and said a few choice words.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a collection in my reports XXXX XXXX and XXXX shows original creditor as XXXX XXXX XXXX which was not authorized by me the contract is not signed by myself authorizing this account which is an FCRA violation!! Second this account has been re-aged as the account has been closed since 2016 which is another FCRA violation in the state of Texas. Third I have never jointly signed with XXXX XXXX on any account as stated on my report.This account is clearly inaccurate and or fraudulent and needs to be removed.

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 2021-09-23 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I WAS VICTIM OF ID THEFT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I WAS VICTIM OF ID THEFT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Nelnet, Inc.
State: NY

Complaint narrative:
please help me against my consumer rights being violated as the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: GA

Complaint narrative:
Credit Bureau fails to provide method of verification. On ( XX/XX/XXXX ) I requested an investigation because I felt the item is not being reported legally according to the fcra. I sent a letter of verification on XX/XX/XXXX. Credit Bureau continues to update with consumer disagrees without addressing the request at hand.

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