vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/2021 I closed the balance to my XXXX XXXX credit card on presumption the account would be closed XX/XX/2021 The still open account makes a purchase. I can neither give you the exact date or what the purchase was nor the amount of the purchase. Both XXXX XXXX and US Bank refuse to give me a statement because neither of them have access XX/XX/2021 XXXX XXXX sold the account to US Bank.

XX/XX/2021-Present day XX/XX/2021 US Bank charges late fees with no attempt to contact. 

XXXX XXXX I check my credit score to see that US Bank has reported late fees. I contact both XXXX XXXX and US Bank. They both say I can not dispute charges because they dont have the statements. They have to request a statement to be mailed to me. 

XXXX XXXX I received my first statement and bill. There is not information on the disputed purchases, just interest and late fees. 

XXXX XXXX I received my first voicemail contacting me to pay. I call and they tell me I need to put in another request for the disputed charges. All the while they keep charging late fees/interest and ruining my credit 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 monetary relief
Consumer complaint received 2021-10-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In 2017 I was the subject of identity theft. A credit card was opened with XXXX XXXX XXXX in my name with a false address and thousands of dollars were charged. I filed a police report, contacted XXXX, XXXX and XXXX and the matter was resolved and my credit report cleared. I placed credit freezes and fraud alerts with all of the credit reporting agencies at that time. Recently, I discovered that Transunion was still reporting the amount in default and that it was open for collection, which adversely affected my credit score. I filed a complaint online with Transunion on XX/XX/XXXX but received no response. I contacted Transunion on XX/XX/XXXX and was told that they received the dispute and I would hear shortly. I heard nothing and contacted them again today and to my shock I was told that they have a record that a dispute was filed but that the documents I submitted in support of the dispute were not received due to " technical issues '' and that they also could not process the dispute. I spent hours dealing with this and they told me to now submit it again, which I just did. This is outrageous and Transunion should be held accountable for failing to remove the derogatory comment on my credit report and for failing to properly handle the dispute. I have copies of the Chats with the Transunion reps from XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: NJ

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 2021-10-06 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: CA

Complaint narrative:
im filing this complaint because XXXX and Equifax are not holding up their end when investigating the inaccuracies on MY CREDIT REPORT. the account that I am needing removal or adjustment to is XXXX XXXX from XX/XX/XXXX. I have verification that XXXX XXXX was paid In full on XX/XX/XXXX so that means that EQUIFAX AND XXXX have not done their proper procedures to make sure this account is reporting CORRECTLY!!! they are definitely willfully and noncompliant and I need this account removed immediately or adjusted to a positive TRADELINE as it is showing NEGATIVE!! I have submitted the CFPB COMPLAINT FROM XXXX XXXX VERIFYING that XXXX AND EQUIFAX are not doing proper investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: NJ

Complaint narrative:
I disputed inaccurate unverified information on my credit report. XXXX and Experian stated upon investigation verification by XXXX. XXXX verified the disputed Information was unverified and deleted yet XXXX is still stating XXXX verified the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: CA

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 2021-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: OK

Complaint narrative:
My husband recently retired from the military and received a 100 % XXXX rating from the VA. In our state, this entitles us to no longer have to pay property tax. Our mortgage company is refusing to apply this to our account because our county won't provide a " tax bill '' showing a XXXX balance. Our county has issued us a letter stating that we are no longer required to pay the tax and are exempt for 2021 and going forward. However this is not good enough for the mortgage company, which is ridiculous, because a bill is not going to be any different than a letter. They refuse to talk to us on the phone about the issue, won't call our county to verify and basically just want us to keep paying the property tax amount which is going into our escrow account and won't be used. They have not provided any way other than a XXXX balance tax bill to resolve this issue, but our county has told us that they don't even generate bills for those who don't owe property tax, so there will never be a way to provide the information they are requesting. I am so frustrated trying to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
My PMI was not automatically canceled from my mortgage, despite being up to date on all payments and at 68 % of the principal balance. I called Dovenmuehle have it removed and it was done promptly. However, I then asked to have the premiums returned to me as the PMI should have been automatically canceled at 78 % and was not. I sent an email to the company, Dovenmuehle, who responded by saying that they were only responsible for removing the PMI once I requested it and not before and thus owed me no premiums. No mention was made of the fact that they were required to automatically cancel at 78 % and had not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: OK

Complaint narrative:
XX/XX/XXXX I was suppose to receive the card and Ive called and called to get a tracking number and havent received a tracking number and I even expedited the card and still nothing. They continually ask for my social but no tracking number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: FL

Complaint narrative:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTATION REGARDING THE CANCELLATION OF DEED ON XX/XX/XXXXPERTAINING TO XXXX XXXX XXXX XXXX, XXXX GA XXXX. THIS IS NOT A DUPLICATE REQUEST, PREVIOUS CANCELLATION UPLOADED HAS A DATE OF XXXX, PLEASE NOTE BOTH AS ASSOCIATED WITH FRADULUENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Any time I apply for any type of credit card I am always told I have insufficient activity and I am denied So their for I have never been able to get one When looking at purchasing a home with my husband of 25 plus years they said I had no history, but I purchased a vehicle, and to apply with card company that helps to establish credit, I WAS DENIED BY 5 card companies and still havent received any reason as to why

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I took out a loan with Wells Fargo for debt consolidation. The fees being charged do not add up over the life of the loan my total interest paid should be {$1500.00}. 
I have paid more than this in interest and fees I asked them for additional information and research into this with no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: FL

Complaint narrative:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Deceptive business partnership practice with an XXXX XXXX program featuring 12 no interest payments for XXXX equipment. I have been billed for the purchase and the equipment is not even in production at factory. I have requested a refund for the purchase because the financing terms were deceptive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I applied for an American Express XXXX rewards card, having been solicited by mail for an offer of XXXX XXXX XXXX points after spending {$3000.00} on the card within 3 months. 

Before agreeing to the terms and conditions of the card, I explicitly asked the sales representative if I qualified for this promotion, since I have participated in others in the past and want to be sure I will still get my points after reaching the spend target within the first 3 months of opening the card. 

I was told, over the phone, that I DID qualify for this promotion, and so depending on this assertion by the sales representative, I agreed to sign-up for the card. 

A few months later, I was told that, under the T & C 's of the card, I DO NOT qualify for the XXXX XXXX XXXX points. 

AmEx should tighten-up their training of agents and improve their internal reporting tools. If this was not a training or reporting system issue, then their agents are deliberately mis-informing prospects about the qualification for promotions, and this should be sanctioned by the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CarMax, Inc.
State: FL

Complaint narrative:
I have an account with Carmax that is not showing on my XXXX credit report. I have contacted Carmax with no results. The account shows on XXXX and XXXX, but not XXXX. I also contacted XXXX but they report what is given to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: NY

Complaint narrative:
I initially sent letters to XXXX, XXXX, and TransUnion on XX/XX/2021 to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XX/XX/2021 with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests. Please help me to resolve this matter. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: TX

Complaint narrative:
This is for the XXXX XXXX account on my report that has been paid in full please review verify and delete the account from my report. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
We have been harassed by a company -- XXXX XXXX of XXXX  of Maryland who might be located at XXXX XXXX XXXX XXXX XXXX, CO XXXX. They are demanding payment for money we do not owe. They allege that the debt was incurred with XXXX XXXX. Please have them cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an alert from Equifax that my XXXX credit score dropped from XXXX ( excellent ) to XXXX ( very good ). I reviewed my credit report and found no errors -- all balances went down, there are no inquiries, past due payments or any other adverse information. I have established a credit file more than 35 years ago. How can a credit score go down 33 points for absolutely no reason? I tried calling Equifax, spoke to 3 people and no one could give me an answer. There is no way to dispute a credit score with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
We have been harassed by a company -- XXXX XXXX XXXX XXXX  of Maryland who might be located at XXXX XXXX XXXX XXXX XXXX, CO XXXX. They are demanding payment for money we do not owe. They allege that the debt was incurred with Best Buy. Please have them cease and desist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: NY

Complaint narrative:
I initially sent letters to XXXX, Equifax, and XXXX on XX/XX/2021 to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XX/XX/2021 with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests. Please help me to resolve this matter. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
Received a number of annoying calls. Never tried fixing the problem, I usually just ignore them or pick up phone and then hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: MD

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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lakeside Receivables LLC
State: PA

Complaint narrative:
A debt collector ( named " XXXX XXXX with phone # XXXX from Lakesie Receivables LLC ) is contacting me at my home and work and my family ( wife and daugher ) repeatedly looking for my NEPHEW who owes a debt. The debt is NOT my debt and is for a nephew we have not seen in years. I have told the debt collector we do not see, and have not seen, my nephew and do not know where he is but they keep calling and do not stop. Again, I have nothing to do with this debt or my nephew who supposedly has a debt with them.

Company response to consumer: Closed with explanation