vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 converge to account : XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TX

Complaint narrative:
XXXX, Eqifax, XXXX  credit Completed multiple disputes for incorrrct information listed on my credit file and no validation ever sent just showed it was validated on report without any proof. I also requested review and deletion of late payments and negative collections disputed. I sent multiple letters by mail, disputed online. 
Late payments, self lender, XXXX  XXXX. 

XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX, experian credit Completed multiple disputes for incorrrct information listed on my credit file and no validation ever sent just showed it was validated on report without any proof. I also requested review and deletion of late payments and negative collections disputed. I sent multiple letters by mail, disputed online. 
Late payments, self lender, XXXX XXXXXXXX. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
As part of the CARES act we deferred payments on our mortgage for six months from XX/XX/XXXX - XX/XX/XXXX and opted to move the payments to the end of the loan. We received paperwork dated XX/XX/XXXX ( due XX/XX/XXXX ) to resume payments which we returned on time. In XX/XX/XXXX, after realizing our autopay for XXXX was not taken out of our account, we called customer service and were told we had to make payments via phone and that we were unable to use autopay while the paperwork was being finalized. We were then given a 90 day timeframe for completion for Truist to have our loan modified. In XX/XX/XXXX, after months of paying by phone and one month where Truist pulled our mortgage payment twice without authorization, we received another set of Loan Modification paperwork in the mail stating Truist made several errors, that they were increasing our monthly payment, and asked that we re-execute the paperwork. We did so, on time, and were told that the 90 day window for Truist to complete our Loan Modification would start again and would presumably be finalized by XX/XX/XXXX. 

In the months since starting this process and paying our mortgage by phone, we have received 4+ sets of paperwork telling us our mortgage was increasing, with different amounts each time, and that we had an increasing escrow shortage. While looking further into this matter, we discovered that all of our mortgage payments from the past 8 months are being held by Truist and have not been applied to our loan which is showing a forbearance status as of almost XX/XX/XXXX. We have been calling repeatedly over the past 8 months only to be on hold for 60+ minutes, we have been hung up on several times, and each time we are assured that the staff member assigned to our mortgage would reach out to us, which she has never done. We then emailed the Truist staff member, and those attempts at communication were also ignored. 

This was a six-month payment deferral started in XXXX that is now a never ending forbearance in XXXX. Truist has been holding on to our payments without applying them to the loan and will not take our mortgage off the forbearance status. It is impacting our credit and ability to relocate. We have missed out on lower interest rates on a new mortgage because they are reporting us as being on forbearance, they will not apply our funds to our mortgage or escrow account, will not return our calls or emails, they have not serviced our loan since XXXX, and will not bring the account current.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I reached out to XXXX/COMENITY/VICTORIA in regards to missed payments from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX till XX/XX/XXXX at the time I was confused due to a representative telling me my account was paid in full on XX/XX/XXXX upon speaking with a representative in XX/XX/XXXX I paid my account in full I was told my missed payments would be removed because of the fact that I never had access to my online account I never even got a card and the representative in XXXX told me my account was paid in full. When I noticed the payments still hadnt been updated as agreed upon I reach back out to the company letting them know I would reach out the https : XXXX in regards to starting a complaint my account was shut down. In XX/XX/XXXX this is the second time the company shut down the account with no warning and perfect XXXX history the first time was in XXXX and I had to call multiple times to get my account information reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with Fair Credit Reporting act convergent accounts : XXXX XXXX Vacations, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-24 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: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. This negative account is preventing me from obtaining credit and obtaining a mortgage.

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 2022-03-24 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX member selling puppies, its a scam. XXXX dollars were sent to the person and the person never showed up for the transaction. Didnt answer any callls or replies afterwards. I also reported it to XXXX and they said they cant do anything about or close that account because they didnt see anything wrong with it. 

Call my bank since I use XXXX to send the money I explain what happen. They said they could help me out that it was voluntary. I told them nuts its a scam. They said it didnt matter. 

Bank of America is my bank. 
Scam happen XX/XX/22 in the amount of XXXX dollars

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for an Amazon Store Card which is a line of credit to be used exclusively on Amazon.com through Synchrony Bank. A few months later on XX/XX/XXXX when applying for a mortgage I was asked to explain credit inquiries made within the last XXXX days and noticed XXXX credit pulls on that date. XXXX for " SYNCB/AMAZON '' and another for " SYNCB/AMAZON XXXX ''. I only applied for a single line of credit but they had pulled my credit an additional time without authorization. After a search online I found others had similar problems with Synchrony doing similar unauthorized pulls and were unable to resolve the issue with Synchrony so I decided the best course of action was to go straight to CFPB to dispute this extra credit pull.

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 2022-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent notarized letters via certified mail to the companies in question. I have proof of acceptance from all three companies. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states, a consumer reporting agency can not furnish an account without my written instructions. 

My letters have essentially been ignored by Experian, XXXX XXXX, and 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 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
My identity was stolen and I need help getting this removed from my name and credit report. I've attempted to contact Caine & Weiner and haven't heard back from them yet. I need this resolve ASAP. This is starting to affect my life very negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I OPENED THE ACCOUNT IN FALL OF 2021 AND USED THE CARD TO MAKE A PURCHASE. THE BILL CAME AND I PAID IT IN FULL ON TIME, JUST LIKE ALL OF MY OTHER CREDIT CARDS. DUE TO THE XXXX HOLIDAY, MAIL IN XXXX WAS RUNNING LATE AND MY PAYMENT WAS RECEIVED LATE. I WAS CHARGED INTEREST/LATE FEE/PENALTY. I CALLED TO COMPLAIN AND GET A ONE TIME COURTESY REMOVAL OF INTEREST/LATE FEE/PENALTY. THEY SAID THEY WOULD TAKE CARE OF IT. HOWEVER, ON MY NEXT STATEMENT, NONE OF IT WAS REMOVED AND I WAS CHARGED EVEN MORE FEES/PENALTY/INTEREST. I CALLED TO COMPLAIN AGAIN AND ALSO CANCELED THE CARD. AGAIN I WAS TOLD EVERYTHING WOULD BE ZEROED OUT. AGAIN, ON THE NEXT STATEMENT IT WASN'T. NOW THEY REPORTED ON MY CREDIT REPORT! PLEASE HELP!! I PROMISED TO NEVER SHOP THERE AGAIN!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was scammed on a used vehicle listing for XXXX. I tried contacting Chase ( my bank ) and XXXX XXXX  ( recipient bank ) on XX/XX/2022 a few hours after the wire transfer. My bank had no one available to help and said they couldnt get back to me till the morning because its a back end issue, so Im waiting to hear back, but this is a time sensitive issue. XXXX  XXXX  had no one to speak to cause apparently they were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX dealers company access or share my credit report multiple times without my authorization with more than 5 agencies at the same time and same date. To my understanding when you purchase a house or vehicle during a period of days only one hard inquiry goes to the credit reports. In my case XXXX inquiries to XXXX, XXXX to XXXX and XXXX to Transunion. All done the same date.

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 2022-03-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I disputed the accuracy of an account reporting on Experian Consumer Report beginning XX/XX/2020 until present and Experian will not update or remove the inaccurate information which is causing me unnecessary financial hardships by the way of higher interest rates. I have called and submitted proof that what Experian is reporting is inaccurate with no positive results or removal from my consumer 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
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I am a victim of identity theft. I contacted the credit reporting agencies with all of my identity theft reports ( police report and FTC report ) and they removed this fraudulent account from my reports shortly after receipt. Then this company waited a few months and put the account back on my credit report by acting like its a new account. I need this fraudulent account removed. I've attached the conditional acceptance my XXXX XXXX law firm told me to send in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, Transunion and XXXX is not complying with their own policies in a timley manner

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 2022-03-24 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: FL

Complaint narrative:
This is my 4th attempt at trying to rectify this matter with Experian. Either the credit bureau disputes specialists are blantanly disregarding the irrefutable facts of the inaccuracies on my credit report or thier E-Oscar system is auto denying my disputes in regards to this account. 

Someone from the CFPB please take a look at this screenshot from Experians webiste from today XXXX and as you can see this is grounds for deletion. 

How is the original balance owed {$1500.00}, but the balance being reported is {$1500.00}? 

This is INACCURATE REPORTING. This is 100 % irrefutable grounds for deletion. Factual reported data straight from Experian.com. 

Ive already contacted XXXX XXXX at my state attorneys general office to assist in this matter as well as Experian 's business ethics are in question at this point.

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 2022-03-24 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. This negative account is preventing me from obtaining credit and obtaining a mortgage.

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 2022-03-24 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 letters were sent requesting validation of certain accounts included on my credit report. Not only has the investigation taken over 30 days, I have also not received any update regarding the information that has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital Quicksilver One Credit Card is a fraud. The company lied on the phone about payments and then they charge internet fees. They told me to send information to a credit number and it was not correct. They proceeded to charge me interest despite paying my balance in full. They charged me fees multiple times and when I asked them why, they said fees are charged daily even though I paid it off. Upon closing my account, their system was conveniently down and they didnt issue my rewards. They said they would send me a check and that did not happen due to technical difficulties on their end. The same difficulties that led to over {$300.00} in fees. They are stealing consumer money. The calls are recorded and their foreign employees are giving wrong information on payments then theyre refusing to fix the error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX and XXXX is not complying with their own policies in a timley manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They wont make available my check deposit they forgot to mention that on the day i deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: OH

Complaint narrative:
I recently submitted a complaint regarding the reporting of some late payments reported by XXXX. According to the SCRA some issues were fixed associated with the account, but the late payments have not been corrected. I have late payments being reported for XXXX, XXXX, XXXX. My Military XXXX  started in XXXX, I had no access to internet, my personal finances or anything. I think it is completely inaccruate and unjust for a credit card company to report late payments against a service member who had no access to his finances at the time. I have highlighted in the previous reponse the issues that needs to be fixed.

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