vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2022-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
We never had XXXX account. 

They call us, vey bad manners and ask for payment right the way. 

They start collect XXXX dls, later XXXX and now they send a bill for {$26.00} that we never owned. 
They harassed us to many times. 

now the company EOS CCA is a debt collector. 
The website is not working, don't allow to dispute the charge and they don't answer the phone also. 

Please care this manner. 

The best regards. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: FL

Complaint narrative:
I opened a credit builder loan with XXXX XXXX Bank in XXXX of XXXX. My payments were set up to come out of my bank account by ACH. My account was being reported as accurate until I received notification from XXXX XXXX on XX/XX/XXXX that I had missed a {$10.00} payment. XXXX does not provide a phone number to contact them with an issue or question. Everything is directed through their email. I emailed them about the missed payment as I had not been notified. They claimed that they had emailed and texted me as my first payment had not processed yet they reported that it was on time to the credit reporting agencies. At that point I decided to close my account due to failure to report and inaccurate reporting of information. I received {$30.00} of my payments as the credit builder account doesnt provide any monies upfront therefore I did not owe any money for the loan as I had not received anything. I discovered that XXXX had not closed my account as requested and is still reporting the balance of the loan as {$410.00} when it should be zero. Again, I received no part of the actual loan monies. They have also reported the one late payment as different months for all three of the credit reporting agencies. XXXX had reported the late payment for XXXX and XX/XX/XXXX and currently as XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I have all of my email communications to prove their response to their inaccurate reporting and I provided them with my credit report showing it is still reported as being open in XX/XX/XXXX. I have disputed this account 3-4 times with every credit reporting company yet XXXX continues to state the information is accurate. This is harming my credit as it brings up my credit utilization percentage and dropped my credit score based on their failure to notify me about a potential ACH issue with my bank. I have considered hiring an attorney to sue this company as I am not getting any resolution from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion : This letter is in response to your recent claim that XXXX XXXX ( XXXX ) verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2022-03-06 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: PA

Complaint narrative:
Experian and XXXX has been reporting 0 income for the last month and Ive been getting denied for GUARANTEED APPROVAL CREDIT LINES. Its Hurting me And my businesses. Theyve been Fixing the problem for months!!! The dispute was not resolved.

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 2022-03-06 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: TX

Complaint narrative:
Equifax : This letter is in response to your claim that XXXX XXXX ( XXXX ) verified that thepayment history that they are reporting is accurate. Equifax has allowed XXXX XXXX to report a 60 day late for XX/XX/2016 which is inaccurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
We have received a gift card for {$150.00} for birthday from friends and when we tried to use it, it has XXXX  balance, The card is issued by Vanilla, in a sealed packet, and we have activated prior to going to the store, but it already was activated by some one and all balance is used up. 

Following are the details : Vanilla VISA Gift Card Cust service no : XXXX XXXX XXXX Purchased at XXXX  Store Card number : XXXX Expiry date : XX/XX/29 Cvv XXXX Name, address, ph no Case # opened by calling customer service number : XXXX Rep name XXXX XXXX Email info : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
This is a 2nd complaint because I just read the letter Loancare responded. The information was incorrect regarding the property taxes. The Loancare made a double payment as stated in the previous email and compliant due to an error by the company. We just purchased the home XX/XX/2021. The previous owners were in arrears in their property taxes, NOT US, the county applied the wrong amount to the wrong account. We did not find out about it until we got the taxes in XX/XX/2021. I've called and explained this to the company. I've tried to resolve this issue with the county. I've tried to resolve it with the closing attorney. The mortgage company received all but {$800.00} that I'm still trying to recover from the previous homeowner and closing attorney. They made an analysis on the mortgage prior to receiving the refund of {$5100.00} from the county. My mortgage should not have ever been {$3400.00} it was made in error. My XXXX mortgage should not be {$3400.00}. I am seeking for help and we are not getting it. The information is based off of inaccurate information. I am pleading for help. This issue should not be closed.

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 2022-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was pitched the JetBlue credit card on a flight recently and was told the XXXX bonus miles offer was the best that JetBlue ever offered. I assumed that was true, and so I applied for the card. Now, barely one week after having the card, I see on jetblue.com that if I apply through their website that they are offering XXXX bonus miles for the card that I just applied for. It seems the marketing pitch on board was misleading.

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 2022-03-06 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: TX

Complaint narrative:
Experian : This letter is in response to your claim that XXXX XXXX verified that the account that they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2022-03-06 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: PA

Complaint narrative:
XXXX and EQUIFAX has been reporting 0 income for the last month and Ive been getting denied for GUARANTEED APPROVAL CREDIT LINES. Its Hurting me And my businesses. Theyve been Fixing the problem for months!!! The dispute was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I am facing financial hardship due to the Covid 19 lost my job due to lack of work and been paying on my car but late and have asked ally if they can take into consideration my financial hardship due to Covid 19 and remove my late payments as it is affecting me tremendously and it was a law that was bypass for companies to help this affected. Instead they keep reporting me as 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 2022-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2022 Complaint to Consumer Financial Protection Bureau I took out a loan with XXXX and they were supposed to pay my Chase Freedom credit card in full : {$3200.00}. Unbeknownst to me, apparently their system will only accept " round figures '' and I was not told to round the amount up to the nearest dollar. Therefore, they only paid {$3200.00}. When I got a bill for {$.00} from Chase, I paid it, thereby giving the account a {$0.00} balance. However, when I got the next statement, I learned they are charging me {$37.00} for that {$.00} error. The CSR I spoke with refused to remove the excessive interest, stating it is based on the ADB. I do not feel I should be required to pay interest on an account that was ( technically ) paid in fully on XX/XX/2022, before the due date of XX/XX/2022, with the exception of the {$.00}, which was paid by me on XX/XX/2022, long before the due date of XX/XX/2022. If a loan is generated to pay off a certain amount, that exact amount should be paid, not " rounded up or down ''. Apparently banks and credit cards will do anything to get that interest. 

When I spoke to a CSR at XXXX XXXX, she told me several times about the " rounding up '' policy and when I asked to speak with a supervisor, she put me on hold, eventually disconnecting the call. 

Chase is doing the same thing on a second credit card account I have with them, Chase Slate, which has also been paid in full but the payment is not showing in my payment records. I paid {$1700.00} on XX/XX/2022, again before the due date. The account does not show my payment as of today, XX/XX/2022, but is showing a payment due on XX/XX/2022 of {$44.00}. My bank statement indicates that payment in full was posted to my checking account on XX/XX/2022. There should be NO interest charged. 

The resolution I request is that ALL interest charges be refunded and my accounts showing a {$0.00} balance. If and when I pay an account in full before the due date, there should be NO interest charges applied. If I close those accounts, which I would like to do, then my credit bureau score takes a nose-dive. Its a Catch 22.

I also find the interest rates these companies are being allowed to charge are more like loan shark and/or usery rates. No wonder people have to file bankruptcy just to make ends meet! 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I was not aware of these debts. Did not have anything to do with any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased several gift cards from Kohls Department store on XX/XX/2022. After purchase I was told allow 24 hrs before use. It was also printed on the receipt. What I don't understand is how are they able to sell gift cards and place a hold on them?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ECMC GROUP, INC.
State: OH

Complaint narrative:
ECMC is reporting negative information on all 3 credit bureaus. I have not made a payment in over 20 years and they will not remove themselves from my report resulting in me being turned down for mortgage and car loans. They put false information saying i made a payment in order to keep the information on my reports. There is a statute of limitations for reporting and after 7 years they are required to remove that information. I have disputed with all 3 bureaus only to receive a report back that ECMC claims all information is correct and it is not. I want them removed from reports immediately. I am prepared to hire an attorney.

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 2022-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank not reporting my mortgage payment history to credit bureaus even though I am making monthly Pmts on time this has caused damage to my credit score! And has been going on for years! This mortgage was not included in XXXX bankruptcy the mortgage was reinstated! I have been making on time pmts since but this is not being reported to major credit bureaus 1972 fcra act started this incorrect and inaccurate and must be corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are 3 XXXX accounts reporting on my credit report all 3 opened XX/XX/XXXX Club XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX ONE SAYS STATUS CLOSED XX/XX/XXXX THE OTHERS REPORTING OPENED AND RUINING MY CREDIT I RECENTLY PAID THE 3RD PARTY CREDITOR OVER {$4000.00} TO BRING MY ACCOUNT UP TO DATE BUT ITS STILL REPORTING NEGATIVE. I DONT KNOW WHY IF IT WAS CLOSED AND PAID XXXX WHY ARE THEY STILL COMING AFTER ME. 
ALSO DIFFERENT NAMES AND ADDRESS AND FRAUDULENT ACCOUNTS ON MY 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 2022-03-06 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I sent ComenityXXXX credit card company a Goodwill letter after being advised to do so by customer service. When I spoke to customer service I explained exactly what happened and she said that she could see exactly what I was talking about and that I definitely should dispute the report of the 30 day late payment on my credit report. She recommended I write a letter saying it was my fault and I was truly sorry for the mistake. She said I would have better luck pleading for forgiveness than challenging them. She said If I had any way to remove it myself, I would. I can see how unfair this is to you. I did what she said to do and wrote the letter. ( Although I had already filed disputes with all 3 credit bureaus with the actual facts and mistakes they made. Those disputes were denied. She said it was because I challenged them. So, I tried her way. It was still denied. I am unable to speak directly to anyone who has authority to make corrections on my account. I feel as if every customer service representative I speak with looks at the information and clearly sees the mistake, but theyre unable to change anything. Only the people who hide behind letters without any conversation with me are able to correct the mistake? They just deny my dispute with a generic letter. It is the one and only late payment on my credit report, ever. It is unfair. Ive put so much of my time into this, just for the sake of fairness. I doubt it hurts my credit score, but the point is that its that they made the mistake, not me. Its wrong. I feel very helpless and alone going up against a large company. I feel unheard, as if I dont matter. Ive filed multiple disputes over the years, they dont care.

Company response to consumer: Closed with non-monetary relief