vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 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: TN

Complaint narrative:
XXXX XXXX  continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: TN

Complaint narrative:
XXXX XXXX  continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Please remove/block/delete this account. 


This letter is a follow up to my original letter regarding an inaccuracy on my credit reporting, regarding the entry being reported ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH  XXXX ( account # as it is listed on my credit report XXXX ) please remove/block/delete this account. 


You may have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH  XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in Wenger vs. TransUnion Corp No 95-6445 ( C.D. Cal. Nov 14, 1995 ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act. 
CC : Consumer Financial Protection Bureau CC :  Federal Trade Commission XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have two accounts reporting incorrect on my credit report, I have contacted the bureau by letter on XX/XX/2020. It is now 30days later and there has been no answer, according to the FRCA they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I started receiving calls from XXXX XXXX in 2018. In XXXX 2018, I sent them a cease and desist letter indicating that they were to contact me via mail only. I have received a couple of calls from this year but always pushed them to voicemail. Picked up my line today to advise that they are not to call me. The collector on the other end of the phone repeatedly talked over and advised that I owe them money. I advised to send all notices and correspondence via writing and he continued to talk over me telling me that I owe them money and how do intend to resolve this matter. Their collectors are poorly trained and don't care that they are violating the FDRPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
We applied for the SBA PPP on the first day that the PNC system was accepting applications and was somewhat stable but not functioning 100 %. We spent approximately 4 hours on the phone with PNC tech support to get the application submitted on XX/XX/2020. The email confirmation we received stated that there was no way for customers to inquire as to status. Rather an email would be sent if any additional information was needed. We have received no emails requesting further information. PNC has now provided online access to loan status. Much to our surprise our SBA PPP loan is still " under review '' within PNC and has not been submitted to the SBA. We have an established banking relationship with PNC, yet PNC never submitted our application to the SBA for processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
DATE XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX NC XXXX Previous address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Wyoming Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have included proof of my current address, and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I had an account with XXXX that went to collections with seqium assets solutions. I called to settle the debt and the collector was very helpful. She said that if I did a payment plan with them that they would credit the account and the account would show settled in full for less than the full balance. My final payment was in XXXX. XXXX is still reporting that I owe XXXX dollars on the account and is refusing to work with me. They told me to call seqium, which I have, multiple times. They have stated that they have no idea why XXXX would report this way and that theres nothing they can do, that XXXX authorized the settlement. This is completely unfair and I have been given the runaround.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In mid-XXXX, I applied for the Amazon Chase credit card from an offer on the Amazon website. Within 10 days or so, I had the card in hand. 

I opened the envelope in early XXXX to activate the card and noticed that I was issued only a {$500.00} credit limit despite my FICO being XXXX with an annual income ( base only ) of $ XXXX which I included on my application. 

I submitted an initial secured message to Chase as I couldn't get through by phone to question this and have had many exchanges since through secure message. They basically assert that I have to go through the full credit limit increase process which results in more credit bureau hits. Yet, they have every piece of information required, as provided in the application process, to support the request. They refuse to do so and they also indicate they can't elevate the issue. 

I'm questioning both the credit model applied here to could possibly result in someone with a XXXX FICO and ample income to receive such a low credit line AND being forced to have yet another credit bureau hit within a few weeks of being decisioned when the data already exists for them to make such a decision. Something is amiss on both fronts, including their business process ( not to mention their poor service ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Due to unexpected expenses, attempting to manage a tax bill that was beyond my means, I began to miss payments on my credit cards in XXXX. In this case, my MACYS credit card, I missed XXXX, XXXX and XXXX payments. This caused ensuing fees as well as a rising minimum balance. I informed the bank of my inability to pay and the reasons during this time. I did not avail myself of the ability to close the account. I wanted to make the payments and restore my credit. I started paying in XXXX. XXXX paid XXXX. XXXX paid XXXX. XXXX scheduled to pay {$150.00}. Because of the current COVID crisis I could not pay on my due date which was XX/XX/XXXX. I asked if I could have eleven days extension and maybe waive late fees. And pay by the XXXX. They said there was no extensions, no waiving of fees. I would just have to miss payment deadline with all the resulting consequences. I scheduled the payment anyway. In the interim my account was closed after the closing date. Because despite my previous payments I was still considered 4 months past due. 
When I called to discuss the closing of my account and I reiterated the issues over the last few months and I referred back to my conversation regarding XXXX 's payment AND they were aware of my upcoming XXXX payment. They said my account was still closed because I was overdue. All of my other credit card banks have worked with me, with even larger debt and I am slowly becoming current on their balances. MACYS/Citibank did nothing to help me during my own financial crisis except tell me pay or close your account or you become more delinquent. Even in face of the many financial challenges of the COVID crisis they weren't willing to suspend action on my account for 11 days when my {$150.00} would have put me less than 4 months past due. I had a spotless payment record prior to XXXX. A record that every other bank recognized in understanding my current crisis. I received no regard from MACYS/Citibank. So I want to bring attention to their total lack of assistance or empathy or even regard for my previous business in dealing with my financial struggle. Lastly, I will say I had no intention of closing my account or remaining in delinquency. I planned on returning to solvency and continuing my business with MACYS/Citibank. They had no interest in that. They just wanted their payments regardless of my situation.

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 2020-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
( Related to XXXX with CapitalOne ) CapitalOne yet again changes course on coming up with creative ways to refuse the use of card. 
Now it will ( 1 ) disable the card from being reissued via app/website but only via representative, ( 2 ) replace the card without sending/mailing the card, ( 3 ) refuse to answer calls or disconnect. 

COMPLAINTNAT does understand that call centers can be busy, however, strange patterns are seen where call wait times vary strangely as well as calls are dropped frequnetly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
DATE XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX NC XXXX Previous address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Wyoming Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have included proof of my current address, and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance.

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 2020-04-16 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: AR

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$110.00} XXXX XXXX XXXX  XXXX {$500.00} XXXX  XXXX {$300.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: SC

Complaint narrative:
my pay off statement loan is XXXX and my refinance loan statement is XXXX. 
I was requested for explanations and answers. They said it is all correct and needed to close with attorney and later we can talk- After the closing as per attorney  no changes can be made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I saw on my credit report that Quicken Loans had made a hard inquiry on my credit on XX/XX/XXXX. I called to contest this because my husband had just passed away on XX/XX/XXXX and there is NO way I was inquiring about a loan at that time. The resolution advocate told me the name of the agent and said that all of my personal info was given to her on that date and I supposedly gave approval to pull my credit. Again I explained my current situation and strongly denied her account of this matter. I also admitted that I DID speak with this agent, and I did give her all my personal info and consent to pull my credit BUT not in XXXX of XXXX, but in XXXX or XXXX of XXXX. I have followed up with several emails ( I have all of them ) on the last one I requested proof with either my signature or voice recorded approval of mine. Her response to me was " We don't have to provide any proof to you, this is proprietary info to Quicken Loans, If you feel this was fraudulent, you can file a police report! Don't I have any rights? Isn't my credit info proprietary to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$110.00} XXXX XXXX XXXX  XXXX {$500.00} XXXX  XXXX {$300.00} XXXX XXXX {$1000.00}

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 2020-04-16 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: AR

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$110.00} XXXX XXXX XXXX  XXXX {$500.00} XXXX  XXXX {$300.00} XXXX XXXX {$1000.00}

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 2020-04-16 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: AR

Complaint narrative:
I was trying to trade my vehicle for a 2020, due to the fact that I have an old car and it it soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get an explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site, pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been opened. These accounts are not mine, I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX  XXXX {$200.00} XXXX  XXXX  XXXX {$850.00} XXXX  XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I've sent numerous certified mailed letters asking for debt verification and never received a response. I just received a letter from the company stating I owed {$130.00}. I tried to log onto the website listed on the letter to verify account information and it appears the account has a balance of {$0.00}. I don't understand why they don't remove this and stop reporting it. 

I was able to get this taken care of with XXXX  credit and they successfully removed this from my credit report. I don't understand why XXXX  and XXXX  have failed to do so. It is my understanding that if I mail a certified letter they have only a certain amount of time to reply. If they don't, then the debt is invalid. Again, XXXX  gladly adhered to this and went above and beyond to assist me and correct the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resource Management Group
State: PA

Complaint narrative:
For the past several months i've been getting calls from a company representing themselves as a debt collector for an old account that was held by XXXX XXXX XXXX, now defunct. I have no record of this debt, it also is not listed on my credit report as past due, in collections, charged off, etc. I have looked at XXXX, XXXX, and XXXX. When i contacted the collector, i was told the last date of activity was XX/XX/2014, which is within the 7 yr period for accounts to age off of my credit report if they had negative comments. Due to the age of the debt, i personally no longer have documentation of this account, although i am making attempts to find it. I am fairly certain however, the account was either, paid in full, or paid in settlement. The person i spoke with was named XXXX, and despite asking several times for the license number of RMG, since they are a debt collector, as suggested by the PA  attorney General 's office, i was told she didn't have it. The amount owed in question is XXXX.

Company response to consumer: Untimely response