vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: OR

Complaint narrative:
In XXXX I contacted XXXX to help enroll me into the Financial Relief Program. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about XXXX times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on XXXX 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by XXXX. I always let XXXX know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. XXXX has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need XXXX to remove the info as agreed.

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: NY

Complaint narrative:
Please help me with this. My consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I received a letter from Dovenmuehle Mortgage XXXX XXXX on XX/XX/XXXX. The letter was mailed on XX/XX/XXXX and stated that an unclaimed property amount of {$480.00} is due to me and must have contacted them at XXXX or fax at XXXX within XXXX business days from due date of XX/XX/XXXX. The letter stated within XXXX business days of contact a new check will be issued. I faxed and signed a letter claiming my check on XX/XX/XXXX, once I opened letter and realized they had my money since XX/XX/XXXX. I received a letter back from them on XX/XX/XXXX stating they would resolve this issue promptly. On XX/XX/XXXX I called and spoke with XXXX for updates and she stated that the check was not processed but with me calling that would get the check in a stage to be sent out. No check received. Called back again on XX/XX/XXXX with another rep, unknown name, stating check is still being held and to follow-up if not received in 30 days by law. No check received. On XX/XX/XXXX spoke with another rep and asked for XXXX. Spoke with XXXX, XXXX, Supv and she promised she would send yet another message to claims/unclaimed dept, stating that lawfully they have up to 90 business days for check to be mailed out. I informed her that is not what the letter said and she stated she would send another message to claims/unclaimed money dept for rush. She stated within that time I would hear back from her within 2 business days, no later than Friday XX/XX/XXXX. She never called back. I called on XX/XX/XXXX and spoke with rep that gave me to XXXX, Supv. I asked for her ID and she did not give it to me. I inquired about how the unclaimed check services work and she stated they have a certain number of days by law to send out check once everything is verified. She did not say how many days. She informed me that she will send another letter because nothing is showing in system that check has been released, and call back in 48 hours. I wanted to file a complaint. She told me to email to XXXX I went there and it brought me to a link that you have to register online for. I felt like I have gotten nothing but the run-around. I turned in my information within a timely manner and they claim to still have the check but it has not been released, The company sent me a confirmation letter that I still have along with original letter. I am asking for this to be reported because I do not recall getting an original letter from them after 3 years of them holding money that is owed to me. So now I am reaching out for help.

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 CFPB FAIR resolution

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 with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have been checking my credit report for months now trying to refinance my house. 
Everything was okay with my XXXX Credit Report but when my bank pulled my XXXX Credit Report they found a credit card with CITI XXXX XXXX XXXX. 
This card was opened in XX/XX/XXXX by a man I lived with for 4 months and put me down as an authorized user on this card without my knowledge. I consider this fraud because I never gave him permission to put me on the card. I want my name removed from this Citi Card and taken off my Credit Report. If I have to file charges then I will do so. I have been working on my credit report for over a year now and this happens. Help me get this off my credit report. I don't understand how someone can just call up and get a person on a credit card without their permission. I called the Citi Credit Card Company and they are telling me that he has to call and take me off the account. What are you kidding me!!! 
He has filed bankruptcy on this card and it is closed. This does not make any sense.

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: TN

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive recently tried several times to receive my credit report. 
Every time i'm asked question about accounts and car purchases .I have never applied for a car loan or home loan. 
My credit isn't bad and for the last three years it hasn't increased. 
I would like to get the information of the person or persons involved in this. The credit reporting agency is not giving the information or a view of my credit report or assistance. The information on my credit report i haven't viewed due these verification and questions i know nothing about.

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: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Some years ago, Suntrust Bank reorganized their mortgage billing process. I was instructed to dispose of the current billing in lieu of the new billing being sent. It is an XX/XX/XXXX loan and the 80 % billing part of the loan came as normal, but the 10 % billing part did not, so I decided to use the old payment stubs to pay that month. Due to the fact that the 10 % billing statemnt of the mortgage arrives with a week or less to pay it, I have continued the " use last month 's stub '' process for 2 years or more to pay both the 80 % and 10 % mortgages. 

When I called to Suntrust and asked to have the 10 % billing sent earlier, I was told that could not happen. All billing was automatic and that I would have to use their grace period. I was also told they can not control the XXXX XXXX XXXX XXXX and they could not guarantee when my bill would arrive. I asked the customer service representative if he was sure he could not change the date, he assured me that it could not be done. When I look at the 10 % billing statement date of XX/XX/XXXX and it does not arrive at my home until XXXX XXXX on XX/XX/XXXX, it makes me wonder where the stall in the process is. The postal service is usually faster than 10 days. What makes this questionable is that the 80 % billing statement was run on XX/XX/XXXX. So maybe the 10 % billing statement could be run earlier?

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 2021-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Good afternoon, On XX/XX/XXXX I realized that my savings account with Chase Bank had been compromised via XXXX. Someone had gotten access to my savings account information and attached it to a XXXX account, fraudulently used my name, but not my social security number, address, email or phone number. They did not have to provide any type of verification that they were who they said they were and Chase allowed them to steal over {$6200.00} worth of my hard earned money. I am a single mom trying to raise a daughter in California and for this to happen to me is devastating to say the least. I have since closed my account with Chase. 

The transactions started on XX/XX/XXXX XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XXXX = {$790.00} XX/XX/XXXX - {$190.00} XXXX = {$790.00} XX/XX/XXXX - {$420.00} XXXX - {$490.00} XXXX - {$990.00} XXXX - {$1900.00} XXXX- {$6200.00} Don't we put our money in a bank to protect it? They refunded me only {$990.00} to then send me a letter on XX/XX/XXXX asking for that money back! They know this is fraudulent activity and XXXX has verified this as well with the countless calls I have made to them, but never has anyone sent me any correspondence regarding how this has happened or why. I can't get anyone to give me a clear answer and I'm disgusted. This is my last hope. Please help me get back what is mine.

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: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WSFS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is reporting that I am 90 days late on XXXX account that previously never reported me late at all. This is a huge mistake and is a violation of the FCRA. I am formerly asking Experian to remove this account as it is inaccurate.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts are affecting my credit report. Please remove them so this does not happen.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is a recurring problem with Experian, one of the three credit reporting agencies form which I am entitled to get a free credit report ( now weekly -- at least theoretically ) rather than annually through annualcreditreport.com. 

I've tried repeatedly to get a free credit report from Experian and keep getting the same vague ( totally worthless ) message telling me a " situation exists '' that does not allow me to get my credit report. But no information as to WHY. Completely unhelpful and just hitting a brick wall. NO resource except to complain to you, and wait 60-90 days. For a company that rakes in billions in profits each year ( much of it by selling my personal information to others without my authorization ), you would think they would invest better in technology that would enable them to be compliant with Federal law. Perhaps they think most people will just get frustrated and give up. 

I DO NOT want the company to send me a form requesting my personal information. I want Experian to FIX THE PROBLEM THAT IS PREVENTING ME FROM GETTING MY CREDIT REPORT ONLINE UPON REQUEST.

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 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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted Transunion regarding this inacccurate information on my credit report and they have yet to remove this inaccurate info. In addition I have contacted the source in which they claim to have verified the information and that stated, in writing that they have no record of any information and no idea why Trans Union is reporting this lie. I have called them and they have given me nothing but the run around. I need help because this is adversely effecting 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
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth Third has become notoriously corrupt and financially RUINING ME in the last year -I closed a credit card account a ) this account became completely inaccessible, couldnt see anything about it, make payments anything. THIS is NOTHING about how the rest of the c XXXX lenders in THE ENTIRE WORLD. Ive had a credit card with EVERY MAJOR creditor in XXXX XXXX and XXXX XXXX ) After my prior CFPB complaint to make said credit card open online, they only made it PARTIALLY VIEWABLE. All I could see was the balance and really weird draconian way to barely figure out how to make payments. Nothing else. 
C ) I made a future payment of {$1000.00} D ) I paid the card off completely prior to the future payment ( A WHOLE MONTH PRIOR ) E ) I contacted the bank NO LESS THAN 5 TIMES PRIOR TO THE FUTURE PAYMENT TO CANCEL SAID FUTURE PAYMENT WHICH THEY PROMISED EVERY TIME IT WAS CANCELED, AND LIED CAUSE I HAD NO ACCESS AND THE PAYMENT WENT THROUGH F ) I lost {$1000.00} because of THEIR NEGLIGENCE for A FULL WEEK G ) I call in, and company AGAIN through malfeasance of negligence decides to not train anyone. I tell Credit department to reverse payment, they say they cant and send me to debit, who tells me I cant, they send me to internet services, who says they cant and sends me back to credit who says in 5 business days I can see it again My money they negligently TOOK. It takes 6 days to see it reflected.That process of them putting me through the ringer took over 3 hours H ) 5/3 LIES IN CFPB REPORT IN ORDER TO CLOSE COMPLAINT that everything is taken care of with this -Fifth third lies on MULTIPLE occasions about FEES A ) 5/3 PROMISES on DAY 1 of contractual agreement about checking account that they will waive fees for international purchases, ATM, and Checking accounts for my wife and I as Teachers. 
B ) 3-4 years later they change policy, WITH NO WARNING to us, and fees for all of the above are instituted. Been dealing with the lies for OVER 5 years now about the fees and have been feed nearly weekly -Fifth Third decides to block my account COMPLETELY,2 seperate checking accounts, 2 credit, and a savings account A ) 5/3 aggressively spent days blocking me from communicating with them the need to figure out my finances. I CANT ACCESS ANY OF MY 5 ACCOUNTS WITH THEM FOR NO REASON B ) I called they told me there was an internet error and to call back if it persists later C ) I call back after AN HOUR ON HOLD and the lady hangs up on me purposefully D ) I HAVE MAJOR NEEDS TO BE ABLE TO ACCESS THIS MONEY AND ACCOUNT AND THEY ARE PURPOSEFULLY BLOCKING IT ALL E ) The blockage for NO REASON of my accounts COMPLETELY COINCIDES with them LYING in CFPB solution AND MY NEGATIVE XXXX, and XXXX XXXX REVIEWS

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: Lending Club Corp
State: CT

Complaint narrative:
I am not aware of this account and it is affecting my credit report, please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments were posted but no successful resolution. There was definitely an error on their part. Please report the payment status positive and update all late from reporting on this account.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have contacted XXXX regarding this inacccurate information on my credit report and they have yet to remove this inaccurate info. In addition I have contacted the source in which they claim to have verified the information and that stated, in writing that they have no record of any information and no idea why XXXX XXXX is reporting this lie. I have called them and they have given me nothing but the run around. I need help because this is adversely effecting 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
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 — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
I have contacted XXXX regarding this inacccurate information on my credit report and they have yet to remove this inaccurate info. In addition I have contacted the source in which they claim to have verified the information and that stated, in writing that they have no record of any information and no idea why XXXX XXXX is reporting this lie. I have called them and they have given me nothing but the run around. I need help because this is adversely effecting 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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I found out that I lost money from my account

Company response to consumer: Closed with explanation