vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am a natural person/consumer. I extended my credit to Synchrony Bank on XX/XX/2022, in good faith pursuant to 15USC1691 ( 3 ) while at the XXXX  store in XXXX XXXX. I entered my credit card number pursuant to 15USC1602 ( l ), and we entered into a Consumer Credit Transaction ; however, I never received a benefit from said transaction which is a direct violation of 15USC1602 ( p ). Instead of receiving evidence with a security instrument that my open-end credit is active, I was given the GAP  Rewards Visa Brochure and told to expect something in the mail. 

I left the store being very embarrassed, confused and XXXX I know that I can not be denied credit unless involving insurance or employment. I also know that my rights were violated pursuant to 15USC1691 ( d ) ( 6 ). There was no reason for this adverse action to have taken place ; something is very fishy. 

On XX/XX/2022, I received communication from Synchrony Bank via mail with adverse action, stating my application for a credit product with XXXX was denied. This adverse action is unlawful and a direct violation of my rights.

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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: OH

Complaint narrative:
Around the last week of XX/XX/XXXX, I tried to refinance my mortgage loan with a local company that is in my town, Guild Mortgage. ( Conventional-30 year-no escrow and cash out ). I sent everything to them they requested. ( check stubs, past tax information, etc ) They ran a credit report on me and said everything was good and could move forward. By then we were into XXXX, XXXX and was told everything might be wrapped up by end of XXXX. That did not happen because it took them about 2 weeks to get someone to come to house and do an appraisal. By then it was the last week of XXXX. I received the results of the appraisal on XX/XX/XXXX. There were some discrepancies in the appraisal which made the loan short for getting the cash out I had requested. This company was suppose to contact the appraiser to get this fixed and I am not even sure that was done. On XXXX the loan XXXX we had been working with sent a text and said he was sorry but the 30 year loan could not be done it had to be 20 year. They were informed that this is not what I had requested since the beginning of this in XXXX and why wait so long to tell me?? Then a couple days after that they changed back saying they could do the 30 year but no cash out!! This was very discouraging since I had waited about 6 1/2 weeks to get this done and had my credit report hit with this! I am beginning to feel like this was age discrimination or they just didn't want to refinance since it was a manufactured double wide. They should not have waited and carried this out so long and said something from the beginning. I hope other people do not have this issue when refinancing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My XXXX XXXX Mortgage was sold to Carrington Mortgage. The Last Last Report Date from XXXX XXXX to the Credit Bureaus was XXXX XXXX. Carrington reported to the Credit Bureaus on XX/XX/XXXX, showing that I was Currently 120 Days Past Due, and my last late payment was XX/XX/XXXX. This information is incorrect. The Loan is not past due. The Information that Carrington is reporting as current is the information as of XX/XX/XXXX. I am unable to apply for a Mortgage Loan due to the reporting of inaccurate information from Carrington Mortgage. 


**NOTE : I am one of 2 borrowers on this Loan. One Borrower filed Bankruptcy. That Borrower included this Mortgage Loan in his Bankruptcy Filing. I did not file Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
In late 2021 I noticed that Portfolio Recovery Associates was appearing on my credit report as a debtor however I did not recognize this company. Upon submitting a dispute they advised that they were acting on behalf of another company that I previously did business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
At this time, I will ALSO INFORM YOU THAT if your OFFICES have REPORTED any INVALIDATED INFORMATION, to any of the 3 MAJOR CREDIT BUREAUS ( Experian, XXXX and XXXX ). This action may CONSTITUTE FRAUD under federal and state LAWS! Due to this fact, if any NEGATIVE MARKS is found on any of my CREDIT REPORTS by your COMPANY, or the COMPANY you REPRESENT. I will not HESITATE in bringing LEGAL ACTION against you and your CLIENT, for the following : VIOLATING THE FCRA! Violating the FDCPA and defamation OF CHARACTER! 

If your offices is able to provide the PROPER DOCUMENTATION as REQUESTED in the original DECLARATION. I will REQUIRE at least 30 days to INVESTIGATE this INFORMATION. During which time all COLLECTION ACTIVITIES shall CEASE AND DESIST! Also during the VALIDATION period if any action is taken that could be CONSIDERED DETRIMENTAL to any of my CREDIT REPORTS. I will then consult with my LEGAL COUNSEL FOR SUIT! This included any LISTING of INFORMATION to a CREDIT REPORTING repository, that could be INACCURATE or INVALIDATED! 

15 U.S. Code 1692g - Validation of debts 15 U.S.C 1681b ( a ) ( 2 ) Permissible purposes of consumer reports Direct Violation of 611 ( c ) ( e ) of the FCRA b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2022-03-21 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: FL

Complaint narrative:
It shows my account is delinquent but it is up to date. 
I have paid everything on time.

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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: MA

Complaint narrative:
I have a conventional mortgage with Cross Country Mortgage. XXXX services the mortgage. My mortgage payment jumped {$400.00} a month. Cross Country informed me it was because of increased property taxes. The city I live in assesses taxes twice a year. Cross Country has been ( over ) paying 4 times a year. I have spoken maybe half a dozen times now with Cross Country and XXXX and they are unable to tell me what they paid out of escrow and why. They assigned a " resolution specialist '' who promised to get me an answer by XX/XX/XXXX, but he has, as of XX/XX/XXXX, provided no response and is unreachable. Essentially, they are cutting checks from my escrow account for taxes that are not owed and can not account to me for what happened to the checks/money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " 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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Hi, I was in a relationship for 15 years with the father of my children. He was a XXXX XXXX. He has died. I never knew that he had ahold of my social security number and he had many different friends that I believe someone may have opened this card in my name. He would steal from me on a regular basis but I never knew how deep it really was. I hadn't wanted to deal with this because there are alot of different scenarios of why. It also brings up lots of emotions. I have XXXX children and am a XXXX XXXX XXXX XXXX who has credit and pays my bills on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX the consumer I am writing this statement and no other. I sent a dispute to Transunion using the FCRA 1681b not giving Transunion any consent to furnish or report anything on my consumer report. This is in reference to XXXX XXXX XXXX account They sent me a letter stating that this is from a 3rd party and it wasn't from me as the consumer. I am here to file a complaint against Transunion for non compliance. I have attached the letter sent to them on XX/XX/XXXX and received on XX/XX/XXXX tracking number XXXX I have attached what was sent to them and 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 non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MO

Complaint narrative:
on XX/XX/XXXX Fedloans notified me that on XX/XX/XXXX they changed my loan status to deferred based on information provided by XXXX XXXX XXXX XXXX XXXX where I am a clinical fellow. I am not a full-time student. I do not believe that I qualify for deferment nor would I choose to be in deferment if it was offered. 

They indicated that deferment would not end until XX/XX/XXXX I do not know what this is based on as my fellowship will end on XX/XX/XXXX. 

I have attempted to contact them by phone however when I have chosen the option to have them return the phone call they have not. Additionally, they have no option on their recording to speak with a representative. I had to XXXX what to press to wait for a representative as their phone tree does not provide options that are pertinent to my issue. 

Overall it feels as if Fedloans is taking actions regarding my loan status that I do not want to be taken and only informing me months after the action has been taken. They are then making it difficult or impossible for me to correct the issues they have caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XX/XX/2022 I became a victim of fraud. I was contacted, by what was perceived to be a call from XXXX XXXX Police Administration for a failure to appear to jury duty and for contempt of court charges, which really did not exist. I was lied to, humiliated, threatened, and had {$1200.00} scammed from me. I have been with my bank for greater than 7 years. I have made numerous complaints to the bank since last week in reference to my claim and was told, " 99.9 % for XXXX claims get denied because you authorized it. '' Other comments were made also, all enclosed in my letter. This is unacceptable for a bank that is expected to support their customers 100 % in a time like this. I have filed a police report. Attached, is all of the information from the claim. 

Any help is this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I made an complaint about several inaccuracies on my credit report and have yet to receive any response or results and it has been well over 45days. i have not been cintacted i have also provided proof

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Both youre agency and XXXX XXXX are in violation of the US laws listed above and are grounds for me to seek legal action. Furthermore, this account charged off XX/XX/2017 and was immediately satisfied. I have also attached a letter from my county attorneys general in which it states according to the FCRA any satisfied charged off account can only report on any individuals credit report for 5 years in the state of New York, which means youre agency is also in violation of the law. I feel like im being taken advantage of and I demand this account be removed from my report 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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX i disputed an unauthorised bank transfer and today wells fargo closed the case without returning the money to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation