vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: WI

Complaint narrative:
I have a Self credit card. Well over a month ago, I asked them to close out the card. The card is a credit builder, where you put money into the card. There is a {$400.00} amount on my card that is supposed to be refunded to me. I have been trying to get the {$400.00} for over a month and the company keeps stalling. The {$400.00} is due to me. They need to refund it to me. 

'Self ' credit card is shady and has NOT refunded my {$400.00}. This needs to be rectified. I paid the amount onto the card in good faith. They are stalling and not paying the {$400.00} I have coming. 

Warning : I would advise against this card. They do NOT practice what they preach. If they do not refund my money I am going to continue with a LAWSUIT which will include all of the time I have spent trying to get my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NY

Complaint narrative:
Experian is reporting balances on the credit report that are incorrect and outdated long after other agencies have removed or updated them. I had to go in and submit disputes on multiple accounts in order to have the correct information updated and then wait 2-3 months until they get processed, which left me unable to apply for credit. Other agencies displayed the correct information, which tells me that the creditors do report the information timely. 

In particular, Experian is still reporting a balance from XXXX in the amount of {$8200.00} I have disputed this item as it has been paid per agreement with XXXX. Experian claims they resolved the dispute, but have not removed the balance. I tried to submit a second dispute, but they refuse to process it. 

Additionally, they are reporting another balance on a previously held joint account with XXXX for {$820.00}. I contacted XXXX and learned that the balance was paid in full by the joint owner nearly one year ago. Yet it is still being reported on my report. I submitted a dispute and it has been in process for over 1 month. 

However, they are consistently 2-3 months late in reporting positive updates, such as decreased balances. 

Of the 3 credit bureaus, I've had the most issues with Experian.

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 2021-05-25 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am not able to retrieve my credit report or credit score due to wrong personal information being reported.

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 2021-05-25 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: TX

Complaint narrative:
I have reached out to XXXX, TransUnion and XXXX well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report. The accuracy of the data reported is inaccurate. If they received the same information from the same company/data furnisher then why is there different information showing for all three credit bureaus. All information must be the same not misleading and falsely reporting. All information must be accurate or it must be immediately removed from my credit 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 explanation
Consumer complaint received 2021-05-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am not able to retrieve my credit report or credit score due to wrong personal information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I'm writing to raise what I think is an important issue. Small business lenders are refusing to refinance their clients ' debts now that rates are low. Small businesses could desperately use the lower monthly loan payments, especially in this post-COVID time, to help make up for their losses during COVID and simply because they should be able to refinance to the current rate. The reason for banks ' refusal to refinance has nothing to do with credit history or with being within a lock-in period. They refuse specifically because businesses did not make enough money the prior year. This is problematic because it means struggling businesses are punished with higher rates and higher monthly payments precisely because they need the money while businesses that managed to make above the bank 's threshold get to enjoy lower rates and lower monthly payments. 

When small businesses decide to take their business elsewhere to find a lender who would refinance, they are hit with a contractual prepayment penalty imposed by the original lender who refused to refinance their loan. 

I have already submitted a complaint to the FDIC against my lender, Bank of America, and received a letter saying that I need to file a complaint with the CFPB.

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 2021-05-25 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX and the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX and the bureaus to remove these lates however, I have not been successful.

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 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I went to the BB & T branch at XXXX XXXX XXXX # XXXX in XXXX, NC on XX/XX/2021 to close my checking account. The banker told me that she had closed my account. She also gave me {$55.00} in cash ( the remaining funds in the account ). Since then, BB & T has continued to charge me account fees, which led to a negative balance and several overdraft fees. My negative balance is now {$130.00}.

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 2021-05-25 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: CO

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CHARLES SCHWAB CORPORATION, THE
State: AL

Complaint narrative:
Me XXXX XXXX XXXX have been banking with Schwab bank for almost a year they restricted my account for a XXXX dollar XXXX purchase i have stocks and bonds money I use to earn a living they completely blocked all access to all six of my accounts I verified my identity I sent my drivers license proof of address answer personal question from third parties I have lost shares in my stocks I have lost penalties have lost finances I am seeking legal action for discrimination XXXX motivated my investments have been ruined my money is declining I recently faxed documents to verify address and identity I was told I would be contacted in two days its been a week and this is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity Bank is the holder for my XXXX  card and they recently increased my credit line from XXXX to XXXX. On XX/XX/24 I received a notification that it was reported that I was over the limit and that my limit is XXXX. That is in fact incorrect. With this error, I loss points on my credit report that I worked so hard to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: MI

Complaint narrative:
XXXX XXXX is the holder for my XXXX card and they recently increased my credit line from XXXX to XXXX. On XX/XX/24 I received a notification that it was reported that I was over the limit and that my limit is XXXX. That is in fact incorrect. With this error, I loss points on my credit report that I worked so hard to get.

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 2021-05-25 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: MI

Complaint narrative:
XXXX XXXX is the holder for my Torrid card and they recently increased my credit line from XXXX to XXXX. On XX/XX/24 I received a notification that it was reported that I was over the limit and that my limit is XXXX. That is in fact incorrect. With this error, I loss points on my credit report that I worked so hard to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am late on rent and all my bills because I cant access my money on my bluebird card. They informed me I reached a limit and was no longer to withdraw any of my money and had to wait till the beginning of next month to access my funds. This is the card I use for direct deposit. I have all of my checks deposited onto this card. I am now facing eviction because I can not access the money I work 12 hour days for 5 days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NC

Complaint narrative:
I was repeatedly harassed by Discover Card. They called me day and night, every day of the week and even holidays. They called my inlaws and family members and threatened to take me to court. I really want to complain about them and also XXXX XXXX XXXX ran by XXXX XXXX. I had sought them out to settle my credit card debts and instead they took all of my money and never settled my debt. Discover card people were incredibly cruel and harassing in the process. I did not answer phone calls of theirs, because I was advised by XXXX XXXX and his team not to. I blame them for my turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Loan Care PMI Removal. 

Based upon my BPO my new value is XXXX I owe XXXX my LTV is 77 % and they are supposed to remove it at 80 %. They are saying they wont remove it till my LTV is 75 %.

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 2021-05-25 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to Equifax, XXXX and XXXX well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report. The accuracy of the data reported is inaccurate. If they received the same information from the same company/data furnisher then why is there different information showing for all three credit bureaus. All information must be the same not misleading and falsely reporting. All information must be accurate or it must be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to XXXX, XXXX and Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report. The accuracy of the data reported is inaccurate. If they received the same information from the same company/data furnisher then why is there different information showing for all three credit bureaus. All information must be the same not misleading and falsely reporting. All information must be accurate or it must be immediately removed from my credit 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 explanation