vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is the most unprofessional Bank covid-19 crisis I miss one payment and it decrease me down to {$300.00} Citibank cancel my account and I would never go back on and I would never trade with any retailer credit cards y'all have I want the world to see this y'all stay away from Exxon Mobil credit card

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 2020-05-06 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.

Complaint narrative:
Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX  XXXX XXXX-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 3 ) XXXX XXXX-Inquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX  XXXX XXXX- Inquiry date : XX/XX/XXXX 9 ) XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 14 ) XXXX-Inquiry date : XX/XX/XXXX 15 ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX 18 ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXX XXXX Inquiry date : XX/XX/XXXX 22 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/XXXX Please find attached documents, in case if you did not receive attachments below is the link to download them. 


Below is the link to documents for confirming my identity : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX I purchased several items online from XXXX using my TD Cash Card. One of these items was on backorder and didn't ship until XX/XX/XXXX, which was posted on my XX/XX/XXXX statement. This was for {$9.00}. Since I was not using this card and since I had electronic statements I neglected to pay this amount on time. Once I realized this mistake I promptly paid this amount in full on XX/XX/XXXX. However there were late fees charged to the account so on XX/XX/XXXX I call TD Card Services and they agreed to waive a number of the late fees and we agreed that if I sent them an additional {$9.00} this would settle the account. Again, I have not used this card since XXXX, XXXX. I promptly sent them {$9.00} via electronic check which credited my account on XX/XX/XXXX. 

Today, XX/XX/XXXX I received a notice that my account balance is now {$130.00}, all late fees and interest in late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06 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: CITIBANK, N.A.
State: KY

Complaint narrative:
I tried to make a purchase at Best Buy on XXXX XXXX. I was told my credit card that my husband had with me as an authorized user had been closed. I called my husband and my husband told this employee that his information was incorrect because he just made a purchase in the store a few days prior. Employee at Best Buy assured my husband he would help look into this issue. I was asked to enter a 6 digit number into this computer base. I did so because the employee assured me he was double checking with the credit card company. He acted nervous and finally handed me a 800 number with a pamphlet and told me to call to get this matter fixed. I found out by calling that this guy tried to set up another credit card which I did Not want or need. I contacted the store manager and got no help but sorry it's not under his control.I immediately contacted Citibank by phone and was told it was an XXXX  issue. I contacted XXXX and made several complaints. I still the hard inquiry is on my credit. 
I strongly feel this was fraud. I also immediately put a freeze on my accounts.the latest call to XXXX was on XXXX XXXX and made another dispute. 
The confirmation number from this latest call is XXXX. The last letter I received from XXXX  was XX/XX/2020 stating that my initial fraud alert has been placed with the XX/XX/XXXXfor 1 year. I have Not gotten anything in the mail from XX/XX/XXXXregarding this issue. They have failed to rectify the problem.

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 2020-05-06 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: QUALITY ACCEPTANCE LLC
State: AZ

Complaint narrative:
I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( quality acceptance ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX XXXX Which is more than the original purchase price. As of today we owe approximately 14,000 and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
In early XXXX I received the copy of my yearly escrow account balance with a refund check of approximately {$2700.00} and notice that my monthly payment would decrease by {$350.00}. After review of the document it was clear that they made a mistake by the company saying my property taxes were scheduled to fall from $ XXXX/year to $ XXXX/year. I called the company and spoke with a representative. She indicated she would refer the case back to the escrow account department and thatd I hear back. I never heard back so a month later in early XXXX I called back. I spoke to another representative and she agreed they messed up the calculation. She said she could tell that they used the wrong county to calculate my property tax rate and thats why it was showing a much lower amount. She said they would be updating the new monthly payment amount before my XXXX payment was due. She also advised I should deposit the original check into my checking account and then repay Penny Mac that amount back into the escrow account. By XXXX the monthly payment did not update and I have heard nothing further from the company if they will actually be updating my monthly payment info. In the meantime I am having to withhold an extra $ XXXX/month because I know they are grossly under collecting for my taxes and I do not want to be billed for {$4000.00} next year when they realize they messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AZ

Complaint narrative:
I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( XXXX XXXX ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX . Which is more than the original purchase price. As of today we owe approximately XXXX and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California

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 2020-05-06 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: AZ

Complaint narrative:
I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( XXXX XXXX ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX . Which is more than the original purchase price. As of today we owe approximately 14,000 and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( XXXX XXXX  ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX . Which is more than the original purchase price. As of today we owe approximately XXXX and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is XXXX XXXX  based out of XXXX XXXX California

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 2020-05-06 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: KY

Complaint narrative:
I tried to make a purchase at XXXX XXXX on XXXX XXXX. I was told my credit card that my husband had with me as an authorized user had been closed. I called my husband and my husband told this employee that his information was incorrect because he just made a purchase in the store a few days prior. Employee at XXXX XXXX assured my husband he would help look into this issue. I was asked to enter a 6 digit number into this computer base. I did so because the employee assured me he was double checking with the credit card company. He acted nervous and finally handed me a 800 number with a pamphlet and told me to call to get this matter fixed. I found out by calling that this guy tried to set up another credit card which I did Not want or need. I contacted the store manager and got no help but sorry it's not under his control.I immediately contacted XXXX by phone and was told it was an Equifax issue. I contacted Equifax and made several complaints. I still the hard inquiry is on my credit. 
I strongly feel this was fraud. I also immediately put a freeze on my accounts.the latest call to Equifax was on XX/XX/2020 and made another dispute. 
The confirmation number from this latest call is XXXX. The last letter I received from Equifax was XX/XX/2020 stating that my initial fraud alert has been placed with the Equifax for 1 year. I have Not gotten anything in the mail from Equifax regarding this issue. They have failed to rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had numerous problems with Experian. IM going to list two. 
I paid a automobile loan off. The bank did not show the account was settled after 1 month, I filed a dispute with experian through their website. Showing proof it was paid off. A letter and invoice from the Bank that is was paid off. They still refused to mark it paid on my report. I disputed it again. again they refused to mark it paid off. Meanwhile. I applied for a another car loan. Since it showed I already had a loan. I was refused a auto loan from numerous banks. Causing me to take the only one that offered with a high interest rate. They have no way of calling or emailing anyone at Experian either. IF you try to call, your put on hold for hours then your they cut your call. My credit has issues in the past. I have not been late on one bill in the last 3 years.

MY second, I have 3 credit cards. ON Experian site, they lowered my score because my credit card balance went over 40 % of available credit. Fine, Since I pay my balance off every month. The next month I didnt charge anything. They lowered my score saying because I dont use available credit it hurts your score. The next month I charged less than 30 %. they again lowered my score saying I should stay under 8 % of available credit on my credit cards. So they do not have a set rule, or make them up as they go. 
I am also in the market for a mortgage. I feel they are purposely lowering my credit, causing me to pay a higher interest with the banks. I also paid of another loan. A different credit agency lowered my score, claiming I had to many open accounts. So I paid one off. Experian lowered my score because I paid off an account causing my others one to appear as new accounts. Do you see the problem with this? There is no help, no way to challenge this..

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 2020-05-06 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have a car loan from CHRYSLER CAPITAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHRYSLER CAPITAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CHRYSLER CAPITAL with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: CA

Complaint narrative:
I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2020-05-06 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: CA

Complaint narrative:
I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2020-05-06 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I don't late remarks on this account but in Payment status says I am 90 Days late which is not true. 
JPMCB HOME -- 90 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation