vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX Dear Sir or Madam, This letter is in reference to my student loan with XXXX XXXX. The account number is # XXXX My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with Chase Auto Loans, and my goal is to maintain the relationship weve built over the last number years. Recently I was even given a new Chase auto loan for my XXXX XXXX XXXX which like my first auto loan with Chase was paid off early. I recently pulled my credit report and discovered I had a late payment that was reported on XXXX & XX/XX/XXXX for my auto loan for the XXXX XXXX account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time loan payment those months. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation and ensured it didnt happen after those months. Up until my the medical emergency, I had an on-time payment history and also after. The loan was also paid off earlier than the term date. 

Based on my otherwise spotless payment history, the date of the late payment as well as the account age almost 7 years, along with the history of my new Chase auto loan that was paid on time as well as paid off early. I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, Thank you for providing this service. I am unable to get Equifax to unfreeze my credit report that I froze on XX/XX/XXXX. 

I tried to have to the freeze removed on XX/XX/XXXX, but the request was not fulfilled. 

I tried again by raising a CFPB complaint on XX/XX/XXXX. I attached documentation including my electric bill, drivers license front and back, letter confirming my residency from my apartment manager, the credit freeze reference number provided by Equifax when I froze the report. However, not only was the freeze not removed, but there was no clear indication why. 

I can only assume that Equifax wants more information. In my new complaint, I have included : my electric bill, drivers license front and back, letter confirming my residency from my apartment manager, the credit freeze reference number, plus my social security card and a bank statement from my new checking account. 

I successfully removed the credit freezes I placed on my Trans-union and Experian accounts by providing the freeze references on XX/XX/XXXX. 

" God grant me the serenity to accept the things I can not change ; courage to change the things I can ; and wisdom to know the difference. '' Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts do not belong to me. I was a victim of identity theft. The accounts are XXXX XXXX XXXX. The collection amount is {$1700.00} and it's from XXXX XXXX  with a collection date of XX/XX/XXXX. The next fraud account is also from the XXXX XXXX XXXX for the amount of {$890.00} with a collection date of XX/XX/XXXX. This is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account does not belong to me. I was a victim of identity theft. The account has no original creditor nor does it have a collection company. The amount is {$1100.00} and it went to collection on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX. XXXX I tried to access my checking account through the mobil app only for it to say were sorry this service is unavailable at this time I figured maybe since they transferred to a new company that it was just an error and it would be fixed within 24 hours. Not the case. I then tried every day up until today XX/XX/XXXX when I was so frustrated that I called and was on hold for over 2 hours only for the lady to say it was a password issue which I tried to explain that wasnt the issue, she then sent a new temporary password to my email and at that time she mysteriously disconnected our call, so I proceeded to try to access by using the reset password with what she had sent before we were disconnected which didnt work! I have tried to access my account through the app, on my mobile web safari AND through a laptop/desktop computer all with the same issue. I have not been able to access my account and I am unable to visit the nearest branch because the closest one to me is over 4 hours away ( due to me moving ) however I get automatic deposits each month into this account. I need access to my account this is unacceptable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax by mail, fax, and phone and they refuse to honor this official document from the credit bureau since XXXX XXXX form the original bank stating the inquiries should be removed due to inaccurate reporting and now Equifax should be held liable for refusing to remove these 2 inquiries on my credit report after almost two years of disputes. This is ludicrous and the representatives within the company are not great for judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of identity theft. These two inquiries are not mine. They are National credit card cos on XX/XX/XXXX and XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: DISCOVER BANK
State: NY

Complaint narrative:
Hello, hope youre doing well. I want to file a complaint against my discover credit card. I have been trying to get help with a dispute for a few months now and even tho i have uploaded proof that I returned the merchandise I bought, they still are saying that they arent siding with me. 

On XX/XX/2021 I bought 18 packs of a certain XXXX trading card set. The total came out to {$1100.00}. However when I received the cards they werent the same ones that were pictured on the original listing. I contacted XXXX and at the time they werent excepting returns on the XXXX cards, so I contacted discover and opened a dispute. Discover gave me a temporary credit until the matter was resolved. A few weeks later after I filed the dispute, XXXX changed their return policy on the XXXX cards and let me return all 18 boxes for a full refund. I have the chat log that states so, including the prepaid shipping label they sent me as well as a statement that they received the items I sent them and that they processed the refund on Monday XXXX XXXX. However i still have yet to get the refund. 

XXXX stated since i opened a chargeback id have to work with my bank to get it fixed. It was around XXXX where discover stated the transaction was valid and reversed the charge. I then proceeded to show them the proof that i returned the merchandise, and that XXXX themselves stated they had received the items and that I was processed a refund. However just this evening I got another email saying the charge is valid and my proof is insuffecient. I dont understand how my proof of return including label and statement from an XXXX representative is insufficient. I asked for a review of the case on XX/XX/XXXX and it took them this long to get back to me even though they stated theyd take XXXX days for a supervisor to reach out to me. 

I can not reach a supervisor about my case and this is my last hope to get my money back because now i dont have the items anymore and Im also stuck with the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Easier Funding, LLC
State: WA

Complaint narrative:
60 day credit repair said if they dont get my credit score up XXXX points in 60 days I would not have to pay them {$150.00} a month for the whole 12 months they made me start paying on day 1 so Ive paid {$450.00} dollars they had me sign a so called contract thur email I signed it quickly the guy on the phone sent it and stayed on hold said I could read it later. The 90 day came I never heard from them at all in the 90 days, I did text them about a company that put I owed them money on my report that I paid In full 6 month before I was told to call them and talk to them, the Girl told me they couldnt help me, I said what am I paying for? No reply, she emailed me to call her at 90 days I did she told me they got it up XXXX points they said they got 4 things taking off my report, I dont believe I said well I have got my report up XXXX points she told me I still have to pay because I opened a new credit card. I told her no she said she would have XXXX the owner call me, they also had me sign up for a company XXXX monitoring {$20.00} a month I have tried to cancel and they say I cant due to 90 day credit repair, I posted a XXXX review that has my picture on my account they replied to my review and have posted my personal information I also asked to cancel there services 6 weeks before 90 days was told I cant do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I submitted a complaint on the cfpb website stating that shellpoint  is in violation of the cares act. The cares act is meant to protect consumers from having their credit score hurt XXXX XXXX who works for shellpoint hasn't addressed any of my complaints. The XXXX  XXXX  website promises consumers that id they choose to go into the covid forbearance plan... It will not affect their credit scores and the WILL be able to refinance in the future if they make 3 successful payments once out of forbearance My rights are being violated. 

XXXX ... Where is your heart? 
I was sick with XXXX  in the XXXX. 
I'm an honest consumer who never had a late payment ever since 2015 What is shellpoint gaining by braeking the law and reporting me 120 days past due when I have made 5 consecutive payments in a row? 

Do you like to torture your customers? 

Does it give you please when an honest hard working man needs to have a low credit score and pay higher interest on credit cards when he was promised that forbearance wouldn't hurt his credit score? 

Do you enjoy breaking the law and causing me not to be able to refinance since I'm marked as 120 days past due? 

You surely have heard of goodwill credit report deletion? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have completely complied with all payments since exiting forbearance ... I am asking you as a goodwill gesture to stop damaging my credit as the US law ensures that those exiting forbearance will not be negatively affected and will be able to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
XXXX, is a company that The finances good theres a negative account on my credit report that I dont believe is mine Ive done business with this company before and I have paid everything in full and I have a negative account on my credit report from the same company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with fair credit reporting Act XXXX XXXX XXXXXXXX XXXX with account number XXXX has violated my right to privacy. 15USC 1681 Section 602A State that I have a right to privacy. 15USC 1681 Section 604A Section 2. Also state a person or consumer reporting agency can not furnish an account without a written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27 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: FL

Complaint narrative:
I submitted a complaint on the cfpb website stating that XXXX is in violation of the cares act. The cares act is meant to protect consumers from having their credit score hurt XXXX XXXX who works for XXXX hasn't addressed any of my complaints. The Fannie Mae website promises consumers that id they choose to go into the covid forbearance plan... It will not affect their credit scores and the WILL be able to refinance in the future if they make 3 successful payments once out of forbearance My rights are being violated. 

XXXX ... Where is your heart? 
I was sick with XXXX in the hospital. 
I'm an honest consumer who never had a late payment ever since 2015 What is XXXX gaining by braeking the law and reporting me 120 days past due when I have made 5 consecutive payments in a row? 

Do you like to torture your customers? 

Does it give you please when an honest hard working man needs to have a low credit score and pay higher interest on credit cards when he was promised that forbearance wouldn't hurt his credit score? 

Do you enjoy breaking the law and causing me not to be able to refinance since I'm marked as 120 days past due? 

You surely have heard of goodwill credit report deletion? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have completely complied with all payments since exiting forbearance ... I am asking you as a goodwill gesture to stop damaging my credit as the US law ensures that those exiting forbearance will not be negatively affected and will be able to refinance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27 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: FL

Complaint narrative:
I submitted a complaint on the cfpb website stating thaXXXX XXXXt is in violation of the cares act. The cares act is meant to protect consumers from having their credit score hurt XXXX XXXX who works for XXXX  hasn't addressed any of my complaints. The Fannie Mae website promises consumers that id they choose to go into the covid forbearance plan... It will not affect their credit scores and the WILL be able to refinance in the future if they make 3 successful payments once out of forbearance My rights are being violated. 

XXXX ... Where is your heart? 
I was sick with covid in the hospital. 
I'm an honest consumer who never had a late payment ever since 2015 What is XXXX gaining by braeking the law and reporting me 120 days past due when I have made 5 consecutive payments in a row? 

Do you like to torture your customers? 

Does it give you please when an honest hard working man needs to have a low credit score and pay higher interest on credit cards when he was promised that forbearance wouldn't hurt his credit score? 

Do you enjoy breaking the law and causing me not to be able to refinance since I'm marked as 120 days past due? 

You surely have heard of goodwill credit report deletion? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have completely complied with all payments since exiting forbearance ... I am asking you as a goodwill gesture to stop damaging my credit as the US law ensures that those exiting forbearance will not be negatively affected and will be able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called Ally the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant Ally Auto XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX0 Im waiting til Ally corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by Ally

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX at XXXX. Received 1st email from Wells Fargo, sent to my personal email " XXXX ''. Email was addressed to XXXX XXXX ( my maiden name ) saying " We have received your application ''. At XXXX I received a email from Wells Fargo XXXX` Access your deposit account documents electronically ''. At XXXX another email from XXXX " Please complete your Wells Fargo Online enrollment ''. At XXXX another email from XXXX " Next Steps for Your Application ''. Access code in email : " XXXX XXXXXXXX ''. An email at XXXX from XXXX, " Your Wells Fargo contact information has been updated ''. Showing the new email as : XXXX. Then at XXXX I received another email from XXXX saying my application for a new Wells Fargo account has been approved. ( I have pictures of these emails ) At XXXX I spoke with multiple employees at Wells Fargo ( XXXX ). They stated they will freeze the account, and have it set up for cancellation. They set up a fraud case ( Wells Fargo Fraud Case ID # XXXX ) and will be mailing me information and confirmation in 30-45 days. Through my own research, I was able to located the application documents for the account. ( I have copies of these documents ) It shows the account number ( was ) # XXXX. The name on the application was " XXXX XXXX '', their phone number ( and I assume this is the perpetrator ) # XXXX ( not mine ). The address on the application showed my previous address, " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX ''. The Drivers License showed as " # XXXX EXP XX/XX/XXXX '' ( again not my DL # ). They were using my social security number. I have now frozen my credit, and am having to do many things to safeguard my identity. I am very very scared that they will use my identity further, and I wont be able to stop it again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I paid my XXXX balance in full before the cycle period but was still charged an interest fee. I was told its because I have to pay my card in full for for 2 months. If my acct cycles with a zero bal then what am I being charged for? Also I made my payment at XXXX on XXXX XXXX and I was charged a late fee. They claim its because I missed the cut off but Im also a bank customer and their cut off is XXXX ET not XXXXET. Thats an honest mistake and I believe I should be credited for thats

Company response to consumer: Closed with monetary relief